Roseville is located in Placer County in the Sacramento area of California. Roseville is a metropolitan city and a regional shopping destination for people living in that area. Roseville’s Westfield Galleria is the biggest shopping center in the city, and it attracts people from all over.
The city of Roseville is a place for families. Raising children in a peaceful and tranquil community away from the crime and stress of big cities. Sixty-five percent of the one hundred and thirty-five thousand people in Roseville are homeowners; this is much higher than the national average of 63.9 percent.
Roseville has a really low homeowners insurance rate. The average insurance price in Roseville is $500. This is fifty-seven percent lower than the national average.
|Roseville Annual Average||California Average||United States Average|
The insurance company you sign a homeowner’s insurance contract with determines how much premium you will pay. Grange Insurance has the best prices in Roseville homeowners insurance at a rate of $498 on a two hundred thousand dollars investment coverage.
|Insurance company||Average annual rate|
|AIG Prop Cas||$969|
Insurance rates in Roseville are greatly influenced by the coverage level. Having a $200K dwelling coverage will cost you about $301 annually, while a $400K dwelling coverage can go as high as $857 annually.
|Dwelling Coverage level||Average annual premium|
The area your property is located in Roseville determines your premium. The value of your property, fire hazards, number of residents that have filed for insurance claims in the previous year, and crime rate. We listed the cheapest areas in terms of homeowners insurance premiums below.
|Names of Areas||Zipcodes of areas||Average annual bundle insurance rate|
|Spahn Ranch Road||95661||$625|
The deductible level is another factor that affects insurance rates in Roseville, CA. The lower your deductible level, the higher your insurance rates. So, if you want your insurance rates to be lower, then you might want to consider raising your deductible level.
|Deductible||Average Annual Rates|
There are different homeowners insurance options available to homeowners in Roseville. They are;
|Homeowners insurance||What is covered|
|HO-1 (Basic Plan)|
|HO-2 (Broad Plan)|
|HO-3 (Special Plan)|
|HO-4 (Tenant’s Plan)|
|HO-5 (Comprehensive Plan)|
|HO-6 (Condo Plan)|
|HO-7 (Mobile home Plan)|
|HO-8 (Older home Plan)|
It is important you check the AM Best rating and the JD Power ranking of the company. This would help you determine the company’s financial stability and help you foretell if they would be able to pay insurance claims.
|Home insurance company||Average annual rate for $250K dwelling||J.D. Power customer satisfaction score||AM Best Rating|
|CSAA Insurance Group||$807||832/1,000||A|
The basic insurance policy would not cover losses from natural disasters like earthquakes, flooding, hurricanes, volcanic eruptions and wildfires.
Though one might not be able to completely insure their properties against all of these natural disasters. However, you can protect your properties from the common natural disasters that are most likely in Roseville. These are:
|Home Insurance Companies in Roseville, CA||Homeowners Insurance Agents Near Roseville, CA||Address of Agents|
|Liberty Mutual Independent||Abram Interstate Ins Svcs Inc||2211 PLAZA DR STE 100, ROCKLIN, CA, 95765|
|State Farm||Brian Clark||2331 El Camino Ave, Sacramento, CA, 95821-5600|
|Farmers||David Israel||4815 LAGUNA PARK DR STE A, Elk Grove, CA, 95758|
|Farmers||Diana Hart||1111 High St Ste B, Auburn, CA, 95603|
|Allstate||Nick Bullard||8146 Greenback Ln Ste 101, Fair Oaks, CA, 95628|
A good way to reduce your insurance policy is by opting for a bundle package. A bundle package covers both your home and your vehicle and is provided by the same insurance company. Bundling saves you over 17% annually.
|Company||Average Bundle premium|
Yes, your bundle deal can be your home and a bike if you do not own a vehicle. If you have a car and a bike, or multiple cars, you can bundle all of these together with your home. Speak to your insurance officer about your bundling options.
Yes, your Roseville homeowner’s insurance will cover damage to your boat while it is in your home if you have at least an HO-3 insurance policy.
Homeowners insurance is not compulsory under the state of California law. It would be best if you get insurance. Mortgage lenders require valid homeowners insurance before lending and while paying off your mortgage.
Roseville is prone to earthquakes. Typically, damages from an earthquake will not be covered by your current homeowner’s insurance. You require a special earthquake plan to be insured if damage occurs due to an earthquake.
Your new insurance will not cover the period during your lapsed insurance. Your insurance company usually gives three months’ grace before stopping your protection after your policy lapse. It is best not to let your insurance expires before renewing it.