Antioch, CA Homeowners Insurance

Antioch’s 111,210 residents make it the 60th most populated city in California. One of the oldest cities in California, it sits proudly on the bank of the San Joaquin River. Antioch’s 28 square miles of land accommodate 34,100 households with a median household income of $71,400. Property values are on the rise in Antioch, but a median property value of $366,100 means homes are relatively affordable compared to other cities in California. 60% of the homes in the town are occupied by their owners, a close match to the national average of 63.9%. If you’re one of those homeowners, you need to consider getting Antioch homeowners insurance to protect your home. Although the crime rate isn’t high, California is known for its propensity to natural disasters, from floods to wildfires. Nonetheless, homeowners insurance can also protect you from arson, burglary, and robbery – you can never be too careful. This article details everything you need to know about securing homeowners insurance in Antioch, California.

Antioch Homeowners Insurance Average Cost

The average cost of homeowners insurance in Antioch is $874. It is significantly lower than the average homeowners’ insurance in California ($1,173), and it compares favorably with nearby states and the national average of $1,444. Actual insurance premiums vary depending on your insurance company and factors surrounding your building, actual location, and personal history with insurance claims. 

Average Antioch Homeowners Insurance Rate VS Statewide And National Average

Antioch Annual Average California Average United States Average
$874 $ 1,173 $1,444

Best Antioch Insurance Rates by Company

GEICO provides the cheapest homeowners insurance rate for Antioch residents at just $650 annually. State farm also comes cheap at only $675 per year. One of the ways to find the best cheap Antioch homeowners insurance is to compare multiple quotes in your area. Some of the Antioch homeowners insurance companies are listed here according to their rates. 

Homeowners Insurance In Antioch by Company

Company Insurance Rate
GEICO $650
State Farm $675
Allstate  $987
Mercury  $1,117
Nationwide  $1,429
Liberty Mutual $1,652
Safeco Insurance $1,923
Westfield Insurance $2,842

Antioch Homeowners Insurance Rates by Neighborhood

Apart from your history and type of building, your home’s neighborhood also affects how much your Antioch homeowners insurance premium will be. If your neighborhood has a history of filing for multiple claims, insurance companies assume they are taking on more risks and will raise your annual premium. However, in the small town of Antioch, the homeowners’ insurance quotes don’t vary greatly with ZIP codes. The table below shows some neighborhoods and ZIP codes in Antioch and the average annual homeowners’ insurance rates. 

Homeowners Insurance Rates in Antioch by Neighborhood

Neighborhood ZIP Code Average Annual Insurance Rate
4th Street, Roosevelt Ln, Gary Ave, Mission Dr. 94509 $605
Lone Tree Way, Mokelumne Drive, Mt. Hamilton Drive 94531 $615

Antioch Homeowners Insurance Rates by Deductible

It is essential to understand how deductibles work in different scenarios. This will help you make the right choice as to how much you will set as your deductibles. For instance, deductibles can either reduce or increase your Antioch homeowners insurance cost. A deductible is an amount you are willing to pay when an insured loss or damage occurs. The burden of settling an insured loss is shared between the insured and the insurer and the amount you agree to pay will influence how high or low your insurance quotes will be. A high deductible usually attracts low annual rates and vice versa. See the table below for how a high deductibles plan can save you money in the long run. 

Homeowners Insurance Rates In Antioch by Deductible

Low Deductible High Deductible
Deductible $799 $2,799
Yearly Antioch, California Homeowners Insurance Policy Example $1,799 $1,2999
Total Home Insurance Policy For 7 Years + Pocket Expense For Claim $13,392 $11,892
Net Savings To Antioch, California Homeowners From High Deductible Plan $1,500

Antioch Homeowners Insurance Coverages Available

There are different types of coverage for your Antioch homeowners insurance. This depends on what you want the homeowners’ insurance policy to cover. However, as you will discover, most of the Antioch homeowners insurance policies have similar coverage that includes the basic needs of most homeowners. Essentially, your Antioch homeowners insurance covers losses and damage resulting from burglary, theft, fire outbreak, plumbing faults, and home accidents. The coverage usually includes a resettlement plan which helps you move to a temporal place if your home is in repair. 

Coverage From Natural Disasters

As much as your Antioch homeowners insurance covers almost all you need, it does not cover natural disasters. This means that the policy does not insure your home against losses or damage resulting from the occurrence of natural disasters. Your Antioch homeowners’ insurance company will often ask you if you want to add natural disasters to the coverage. It is advisable to create additional coverage that includes natural disasters. Below are some of the natural disasters that you may need coverage from.
  • Wildfires
  • Floods
  • Earthquakes
  • Storms

Best Insurance Companies in Antioch

You’ll find many Antioch homeowners insurance companies but those with a proven history of caring for their customers will give you peace of mind. If you do not want to conduct an independent search, you can pick from our list of the city’s best homeowners insurance companies. The list of Antioch homeowners insurance companies includes ratings from trusted agencies that rank them according to various key assessments. These ratings will help you see how they perform and which is truly the best, regardless of marketing. As it stands, State Farm is the highest-rated homeowner insurance company in Antioch.

Best Companies And Their A&M Best, NAIC, BBB+ Ratings 

Company A.M Best Rating J.D Power Score Market Share 
State Farm A++ 4/5 19.55%
Allstate A+ 3/5 13.08%
Farmers Insurance  A+ 3/5 10.39%
Liberty Mutual  A 3/5 7.37%

Home Insurance Agents in Antioch

In Antioch, homeowners insurance companies have agents in different parts of the city to help them with their policyholders. You can consult with these agents and discuss what you want. Although there are some independent homeowners insurance agents, you will find those employed to work for the popular Antioch homeowners insurance companies. It is the responsibility of these agents to set you up on your Antioch homeowners insurance policy in the city and provide answers to your questions and complaints. We provide some of the best homeowners insurance agents in the city and their contact details. 

Homeowners Insurance Agents And Their Addresses

Company Name Address
GEICO 430 W Lockeford St 95240, CA
Farmers Insurance 2020 Fourth Street 94550, CA
Allstate 7493 Reese Rd Ste A 95828, CA
Nationwide 1600 Sunrise Ave 95350, CA
Finney Insurance Agency Inc. 2240 Lake Wa Blvd Ste 105 95691, CA

Antioch Homeowners Insurance Money Saving Tips

Most homeowners want to reduce the cost of their Antioch homeowners insurance in the city. If you want to save on your Antioch homeowners insurance the following tips should be helpful.
  • Ask for discounts on your Antioch homeowners insurance. There are always discounts available. 
  • Improve the physical condition of your home. Repair the plumbing fittings and upgrade the fire, security, electrical systems in the house. 
  • Go for bundling options to combine two or more insurance policies. 
  • Compare multiple quotes from different Antioch homeowners insurance companies and close neighborhoods.

Resource Links for Antioch Homeowners Insurance:

Get Antioch homeowners insurance now!

Get Cheapest Insurance Quote

Antioch, CA Homeowners Insurance FAQs

Antioch homeowners insurance companies consider many factors to state the costs of their policies. They include the neighborhood’s crime rates, the home’s physical condition, your claims history, and proximity to police and fire stations. 

Typical Antioch homeowners insurance does not cover natural disasters. you have to create additional coverage if you want to insure your home against losses and damage resulting from natural disasters. 

Antioch homeowners insurance companies offer discounts like bundling discounts, first-timer discounts, natural disasters discounts, and discounts peculiar to them only. It would be best to ask for available discounts any chance you get.

Some Antioch homeowners insurance companies include pets in their coverage. However, they will study the behavior of the pets to decide if it is safe to insure. If your pet poses a huge risk of causing harm or injury, it will be exempted from the coverage. 

Your homeowners’ insurance company handles the auto-renewal and will inform you before the due date. You can also agree with the insurer to renew the policy when due. 

Get Cheapest Insurance Quote

Call an Agent

Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.