Learn how to find affordable homeowners insurance in Stockton.
Tucked in California’s Central Valley along the San Joaquin River, you’ll find Stockton, home to Californians who enjoy a quieter life. Here, you can explore the Haggin Museum to learn about the local history, wander the Oak Grove Regional Park’s trails and nature center, or check out the Micke Grove Zoo and visit the monkeys and iguanas who live there.
But residents also know living in Stockton means preparing for the chance of wildfires and floods – both of which can make it hard to find affordable California home insurance.
Stockton homeowners insurance costs $649 a year on average with Kin. That’s 16 percent cheaper than Allstate and 4 percent cheaper than Travelers.
How do we do it? We use data smarter. By crunching thousands of data points about each home, we can price your risk for you, not entire ZIP codes. The result? Hundreds in savings on average.
You can see how we compare below.
Keep in mind that the only way to know exactly what you’ll pay for coverage is to get a quote. We’ll take a look at your home’s precise location, its construction and age, and the safety features you’ve invested in. Apply for a quote today – it only takes seconds.
Not all home insurance policies are created equal. We’re proud to offer HO3 policies – the right blend of robust coverage and low price points. Each policy covers your bases with:
You can also add endorsements to customize your policy. Think of these as mini-coverages. For example, if you have dogs, you can add animal liability insurance to cover pup-related mischief, like when they chew through your neighbor’s wooden fence.
Homeowners insurance covers a lot of events, like damage from fire, windstorms, theft, vandalism, and more. But some catastrophes, like flooding and earthquakes, are excluded.
That doesn’t mean you’re out of luck! Take a look at how you can get catastrophic coverage for some of these risks with Kin.
Stockton’s proximity to nature and open space means wildfires are a real risk. As we saw in August 2020, nearby wildfires sent clouds of smoke to Stockton homes. Homeowners in wildfire zones historically struggled to find affordable home insurance, but we’re changing that.
Our policies automatically include wildfire insurance. It can cover damage to your home, other structures, and belongings caused by fire, smoke, and explosions.
In 1955, Stockton experienced massive flooding over the holidays, leaving the city under more than a foot of water. And a major flood could strike again because of Stockton’s slow-draining soil and proximity to the San Joaquin River. While homeowners insurance doesn’t include flood insurance, you can add it on to cover damage caused by rising waters and storm surges. Just ask!
Those who have lived in Stockton for a while have probably experienced the area’s tremors. If and when the major one strikes, only residents who have earthquake insurance will be covered. It’s not included in your standard homeowners insurance policy.
We’ve partnered with GeoVera to offer robust earthquake insurance that protects your home, other structures, and belongings from damage caused by earth movement. It also covers demolition and cleanup costs, both of which can be exorbitant. Just ask us for a quote!
While our Stockton insurance premiums are already super affordable, we’ll always help you find even more ways to save. When you apply for a quote, we’ll automatically check to see if you qualify for these easy discounts:
Want to save even more? Consider raising your deductible to reduce your premiums. Deductibles start at $500 but can go as high as 10 percent of your home’s replacement cost. Just don’t take on a deductible so high that it bars you from making claims when you need to.
Start Saving on Your Home Insurance