Learn how to find affordable homeowners insurance in Sacramento.
Sacramento is California’s capital and home to 183,106 households. Its cost of living is 16 percent lower than the state’s average and a stunning 33 percent lower than neighboring San Francisco. From Old Sacramento to Midtown to Fairytale town, it’s an enchanting place to lay down roots.
With all its parks and open space, Sacramento homeowners need insurance that can keep up with their wildfire, flooding, and earthquake risks. Learn how to save money on California home insurance and make sure you’re protected from the unexpected.
On average, Sacramento home insurance costs $644 a year with Kin. That’s 19 percent cheaper than Allstate and about 5 percent cheaper than Travelers. You can see how we compare in the chart below.
Keep in mind that your home insurance costs may vary based on where you live, your home’s construction, the discounts you’re eligible for, your claims history, and more. To get an accurate estimate of your home insurance costs, get a quote! It only takes minutes and doesn’t stay on your credit report.
You can also add on more coverage (called endorsements) to customize your policy.
A standard policy covers damage from fire, vandalism, windstorms, vandalism, and theft (worth noting: Sacramento has one of the highest crime rates in the nation). But how does your homeowners insurance respond to major disasters? It depends on the event.
The National Wildfire Risk Report ranks Sacramento fourth for highest number of homes at risk of a wildfire in the US. More than 68,000 homes with replacement costs exceeding $27 billion are at risk.
Sacramento homeowners may have a harder time finding insurance companies willing to cover their homes, but don’t give up hope! Get a quote from us first. All our policies include wildfire insurance to make sure you can rebuild and repair your home if a wildfire strikes.
Sacramento’s streams and rivers, including the confluence of the Sacramento and American rivers, means the area is prone to flooding. While homeowners insurance covers water damage from burst pipes and leaking appliances, it doesn’t cover damage from rising water or storm surges. Sacramento homeowners need flood insurance for that. Ask us about it!
All of California has earthquake risk, but Sacramento is one of the safest metropolitan areas in that regard – it doesn’t sit on any major fault line.
Just because it’s lower risk doesn’t mean earthquake insurance isn’t a smart move. You never know what the future holds, and this is the only coverage that will pay for damage caused by earthquakes. Your standard homeowners insurance doesn’t cover it.
Ask us for an earthquake coverage quote. It takes seconds to add it to your policy.
You can keep your Sacramento home insurance costs even lower with our discounts for:
You also get a discount for having a claims-free history. And you can adjust your deductible and see how it affects your premium in real time. A higher deductible means lower rates, but just remember not to take on a deductible so high it effectively prevents you from making non-catastrophe claims when you need to.
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