Sacramento Home Insurance

Learn how to find affordable homeowners insurance in Sacramento.

Finding Homeowners Insurance in Sacramento, California

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.

Sacramento Home Insurance Costs

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.

Average Sacramento Home Insurance Premiums by Company

Kin Allstate Travelers
$644 $767 $671

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.

What Sacramento Home Insurance Covers

Our homeowners insurance is an HO3 policy, meaning you get robust coverage that’s also affordable. This type of policy includes:

  • Replacement cost dwelling coverage: This pays for what it would cost to rebuild your home from the ground up after a major disaster.
  • Other structures coverage: This pays for covered repairs to your fence, detached garage, shed, and more.
  • Personal property coverage: This protects your belongings in your house (and when you take them on a trip!), like your clothes, furniture, electronics, appliances, and more.
  • Loss of use coverage: This covers an allowance for additional living expenses when a claim forces you to stay somewhere other than your home.
  • Personal liability coverage: If you’re sued over someone’s bodily injury or property damage, this can help pay for your legal expenses.
  • Medical payments coverage: If your visitor has a small injury at your house, this can cover their immediate medical expenses, like an ambulance ride.

You can also add on more coverage (called endorsements) to customize your policy.

Major Risks for Sacramento Homeowners

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.

Sacramento Wildfire Coverage

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 Flood Insurance

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!

Earthquake Coverage in Sacramento

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.

Tips for Lower Sacramento Home Insurance Costs

You can keep your Sacramento home insurance costs even lower with our discounts for:

  • Smart home safety and security devices.
  • Secure communities.
  • Electronic policies.
  • Ember resistant venting.
  • Annual brush removal contract.
  • LEED-certified homes.
  • New homebuyers.

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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