Sacramento Homeowners Insurance

Finding a policy that works for you

Written by Rene Todd Fields
Written by Rene Todd Fields

Environmental and natural resource advocate and business owner, Rene Todd Fields, has more than 10 years of experience working within both private and public sectors and enjoys helping individuals understand their options and make solid coverage decisions.


Sacramento, CA, The Big Tomato, is located in the center of the Sacramento Valley, which is rich and fertile, great for growing tomatoes. 72 miles northeast of San Francisco, the city enjoys a mild climate for most of the year. However, during the summer months, “northers” blow in from the Siskiyou Mountains, bringing in heat and pollen, which is somewhat alleviated by Sacramento's extremely low humidity and cool ocean breezes. The winters in Sacramento tend to be on the rainy side.

Thus, whether you are a lifetime citizen of Sacramento, or you moved here to take care of your parents, you would need a reliable homeowners insurance policy if you recently purchased a home. Local independent insurance agents can help you find the best and most economically priced insurance coverage for your Sacramento home. 

Find a local insurance agent near you today to learn more, and you can soon start reviewing personalized homeowners insurance quotes from a variety of extremely prized financiers.

How Much Does Homeowners Insurance Cost in Sacramento, CA?

The average cost of homeowners insurance in California is lower than the national average. However, if you compare rates, you may possibly save hundreds of dollars every year.

  • National average yearly premium: $2,305
  • CA average yearly premium: $1,166

Averages only give you a range of what you might be expected to pay. Genuine homeowners insurance rates will differ from one homeowner to another. This occurs because insurance companies calculate their expenses on a case-by-case basis according to several factors, including the following:

  • The size, age, and value of your house
  • The type of house you are insuring  
  • The number of stories in your house
  • The crime rate and weather risks in your area
  • Your credit score and claims history
  • If you are bundling your homeowners insurance coverage with another policy such as car insurance or life insurance

Pricing quotes allows you to select the best homeowners policy offering the best coverage at the most cost-effective price for you. Local independent insurance agents in Sacramento make shopping for homeowners insurance uncomplicated.

Does Sacramento Homeowners Insurance Cover against Catastrophic Events?

Your Sacramento homeowners insurance coverage is meant to cover you in case of hazards you may face as a homeowner. This includes a large range of catastrophic events such as structure fires and earthquakes.

You will want to make sure your home and contents coverage limits are great enough to help you in rebuilding or replacing in the event of a disaster.

Catastrophic events in CA:

  • Number of federally declared disasters in CA since 1953: 330
  • Most common reasons for disasters in CA: Fire, flooding, water damage, earthquakes, and severe storms
  • Average number of tornadoes per year in CA: 11
  • Average amount of property damage per year in CA: $4,158,620,000

Sacramento locals are most at risk for damage caused by fires, flooding, and severe storms. Mercifully, homeowners insurance policies cover most of these dangers. However, it is essential you realize that flood damage is not covered by homeowners insurance. This is true even if the flood is the result of a covered occurrence.

Talk to your local independent insurance agent today for aid ensuring that all of your property is suitably covered.


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Why Do Sacramento Homeowners Need Liability Insurance?

Liability lawsuits can occur to anybody, and they can be very pricey. Consequently, your homeowners insurance provides you with personal liability coverage too.

Homeowners insurance is designed to cover the many costs you may accrue if you are responsible for damage related to a covered event. A few examples of instances in which personal liability coverage may protect you include the following:

  • Your tree fell on a neighbor’s house during a storm
  • Your son blew up the garage during a science experiment
  • Your hot water heater started leaking
  • Your daughter’s babysitter fell off the couch and sprained her ankle

A local independent insurance agent in Sacramento can illustrate your homeowners liability coverage in clearer detail.

If you are looking for better liability limits than what your homeowners insurance policy allows, your local independent insurance agent can also assist with acquiring an economically priced umbrella insurance policy.

Does Sacramento Homeowners Insurance Cover against Burglaries?

The burglary rate in CA and in Sacramento in particular is much higher (86.9%) than the national average. In the last five years, Sacramento has seen a rise in violent crime and a fall in property crimes.

  • Number of burglaries per 100,000 people in the US: 376
  • Number of burglaries per 100,000 people in CA: 416
  • Number of burglaries per 100,000 people in Sacramento: 542.6

If your Sacramento home is invaded, being the target of a property crime is disturbing enough. However, you may find some comfort in knowing that your homeowners insurance policy can compensate you for your losses, as well as for any property damage the robbers may have done to your residence.

Home security systems offer the best theft deterrents, and many insurance companies offer discounts to policyholders who have anti-theft systems installed in their homes. A local independent insurance agent can help you find all the potential discounts you may qualify for.

Why Work with a Local Independent Insurance Agent in Sacramento, CA?

A local independent insurance agent will know the easiest way to find a great homeowners policy to meet your homeowners insurance needs. These agents don’t work for a specific insurance company, they go to work for you so you can be assured you are receiving dependable guidance as you shop for the coverage you need for your Sacramento home.

Independent agents in Sacramento are ready to assist you now. Contact a local independent insurance agent near you to start comparing tailored homeowners insurance quotes.

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