Modesto, CA Homeowners Insurance

Modesto is located 68 miles away from Sacramento and is situated in Stanislaus County. The city is surrounded by rich farmlands of lettuce, grapes, almonds, and other daily products. The residents enjoy close proximity to Yosemite National Park, Lake Tahoe, and other attractions of San Francisco. Modesto is home to the world’s largest winery, E & J Gallo Winery, and largest wine bottle manufacturing company, the Gallo Glass Company. 

The city is surrounded by natural beauty and has pleasant weather to enjoy outdoor activities. When you take a stroll around the city, you will notice that all the streets are lined up with tall trees, and the neighborhoods have a tranquil environment. There are many parks and waterways where people can spend quality time. Sunshine Rafting is very famous for showcasing the best of Stanislaus River while keeping everyone safe. In addition to that, you can watch live performances at the Gallo Center for the Arts. Modesto is known for its fine dining, and to find great food and entertainment, you can go to the heart of the city – downtown and just walk down to “This is Camp 4 Adults” and “Surla’s.” The city is famous for its art scenes, and there are many museums and galleries. 

Modesto is the perfect place to relax and stay away. Two hundred twelve thousand six hundred sixteen people call the city their home. The city has 72,332 housing units, with a homeownership rate of 55.1%. The median home value in Modesto is $226,699. The cost of living in the city is 9% higher than the U.S. average. Regardless of high living costs, it is the perfect time to buy a property in Modesto. Whether you are currently living in the city or are planning to purchase a house, it is always a good idea to purchase a Modesto homeowners insurance policy.   

A standard homeowners insurance policy not only offers peace of mind but also protects your home from any unforeseen financial setbacks. Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. If you are looking to buy homeowners insurance in Modesto, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies.  

Average Homeowners Insurance Cost in Modesto 

When you are looking for homeowners insurance, you need to compare rates from the best-rated companies in your area to ensure you get the best rates.

In Modesto, the average homeowner insurance rate is $680, which is lower than the national average.   

Modesto Homeowners Insurance Rates Compared to State and National Averages

Modesto Average Home Insurance Cost (annual)California AverageUnited States Average
$680$1,173$1,444

Modesto Homeowners Insurance Premiums by Company

In Modesto, different homeowners insurance companies offer competitive prices depending on the type of coverage you are looking for. All the insurance companies offer special discounts, which affects the insurance premiums. You need to find the right insurance company for your needs.  

Tokio Marine America offers the most affordable Modesto homeowners insurance, valued at just $210 per year. Take a look at the table below and see rates offered by different insurance providers in Modesto. 

Modesto Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Tokio Marine America$210
Horace Mann$406
Travelers$479
Hartford$569
Nationwide$694
State Farm$751
First American Ins$799

Modesto Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit used to pay for the replacement or repair cost of your property in case of a disaster. Generally, if your dwelling coverage selected level is high, your homeowners insurance will cost more.  

Here’s how different coverage levels affect your annual homeowners insurance cost in Modesto: 

Homeowners Insurance Rates in Modesto by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$100,000$218
$200,000$514
$300,000$698
$400,000$1,200
$500,000$1,305
$750,000 to $1000,000$2,115

Modesto Homeowners Insurance Rates by ZIP Codes

Homeowners insurance companies in Modesto use local variables to calculate potential risks and insurance costs. The location of your property is the primary factor that can make your insurance cost high or low. Even if you move from one street to another in the same city, your homeowners insurance premium may fluctuate. 

Take a look at the table below, as we have listed the homeowners insurance rates in Modesto based on different ZIP codes. 

Cost of Homeowners Insurance in Modesto by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Jantzen Road95357$396
Penridge Ct95356$579
Hackett Rd95358$583
Elmo Loop95356$1104
Kirkwood Avenue93350$3,516

Popular Home Insurance Deductibles in Modesto 

When you purchase homeowners insurance, your insurance agent would ask you to decide on a deductible amount. A deductible is a dollar amount that a homeowner is responsible for paying when filing an insurance claim. A high deductible can help you to reduce the cost of your homeowners insurance premium.  

The following table shows how Modesto homeowners insurance rates fluctuate based on different deductible amounts.     

Homeowners Insurance Cost in Modesto based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$680 
$1,000$610
$1,500$575 
$2,000$520
$5,000$435

Homeowners Insurance Coverages Available in Modesto 

A standard homeowners insurance policy in Modesto provides the following coverages:

  • Dwelling Coverage – Provides coverage for any damage to the physical structure of your home. 
  • Attached Structures Coverage – Protects the monetary loss for any structure attached to your home, such as a garage or shed. 
  • Personal Property Coverage – Provides coverage to your home’s content, including clothes, furniture, appliances or equipment, and jewelry. 
  • Personal Liability Coverage – Provides coverage if someone gets injured on your property or if a resident of your home caused the injury. 
  • Medical Expenses Coverage – Covers the medical expenses if someone gets injured at your property.  
  • Additional Living Expense – Covers additional living expenses that might incur while living away from your home during an insurance claim. 

Best Home Insurance Companies in Modesto

When you are looking for a homeowners insurance policy, price is not the only thing you need to check. All the insurance companies offer competitive premium rates to allure homeowners. When you buy homeowners insurance, you must pay attention to the company’s financial background, claim process, and customer service. 

To make your research easier, we have listed the best Modesto homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Modesto 

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
GEICO5 out of 5 starsA++ (Superior)A+
Erie 5 out of 5 starsA+ (Superior)A+
Nationwide 3 out of 5 starsA+ (Superior)A+
Farmers  3 out of 5 starsA+ (Superior)A+
Travelers 5 out of 5 starA++ (Superior)A+

Top Homeowners Insurance Agents in Modesto

Homeowners Insurance Agency Near ModestoAddress
State Farm Insurance Agent1230 13th St A, Modesto, CA 95354, United States
Paul’s Insurance Agency1031 McHenry Ave Suite 9, Modesto, CA 95350, United States
Lamoure’s Insurance1367 Standiford Ave suite a, Modesto, CA 95350, United States
Golden Oak Insurance Services (Insurance Broker)3540 Oakdale Rd Suite A-1, Modesto, CA 95357, United States
Arrowhead Insurance3508 Dale Rd, Modesto, CA 95356, United States
TopFlight Insurance Services901 N Carpenter Rd #37, Modesto, CA 95351, United States
Lamoure’s Insurance1367 Standiford Ave suite a, Modesto, CA 95350, United States

Common Causes of Home Insurance Claims in Modesto

The most common reason for homeowners insurance claims in Modesto is wildfires. A standard homeowners insurance policy covers your property for damages caused by fire and smoke. Still, as Modesto is located in a high-risk zone for wildfires, the residents might find it challenging to get coverage. Here are additional causes of homeowners insurance claims in Modesto:

  • Damages caused to the exterior of the house
  • Water damages caused by appliance failure or plumbing 
  • Weather-related damages
  • Theft and burglary

Money-Saving Tips for Modesto Homeowners Insurance 

Homeowners insurance keeps your property protected, but it can be very expensive. Insurance companies offer many discounts for several factors. If your home is new, you can get a discount of up to 14%. Another way to save money is by installing alarm systems and smoke detectors at your home. 

The best way to reduce your Modesto homeowners insurance premium is bundling. By bundling your auto and home insurance, you can save up to 20% on your premium. Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums. 

Auto & Homeowners Insurance Bundling Discounts in Modesto

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,300
Mercury$1,340
Farmers$1,770
CSAA$2,015
State Farm$2,031

Special Resources for Residents of Modesto: 

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Modesto, CA Homeowners Insurance FAQs

Standard homeowners insurance protects you financially if your property gets damaged due to an unexpected incident. Buying a house is the biggest investment of anyone’s life, making it inevitable to protect it. A standard homeowners insurance will pay to repair or replace your property if it gets damaged by covered incidents. It will also provide liability protection and medical coverage in case a guest gets injured at your house. Most importantly, your lending company requires you to have homeowners insurance to safeguard their investment.

If you have a bad credit history, your insurance company may deny your homeowners insurance. If you successfully get a homeowners insurance policy, your rates will be high due to your low credit score. 

Personal property coverage protects your personal items from damages caused by any covered peril. Your personal items could be furniture, electronics, clothing, art pieces, etc. If you ever lose your personal items to theft or fire, your personal property coverage will pay to repair or replace those items. 

The actual cash value coverage means the policy will cover an item’s cost after deducting the depreciation amount. The Replacement cost coverage means the policy will pay the amount to repair or replace the damaged property. 

The modified or functional replacement cost is a new option available for the residents of Modesto. This coverage enables them to restore the home to its functional condition after being damaged by the covered perils. Under this coverage, your damaged property will be replaced by something that serves the same purpose but is not the same.

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