Roseville, CA Homeowners Insurance

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.

What is the average insurance rate in Roseville? 

Homeowners insurance rates: Roseville Vs. State Vs. National average

Roseville Annual AverageCalifornia AverageUnited States Average
$500$1,868$1,548

Companies Offering The Most Affordable Home Insurance In Roseville, CA

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.

Best home insurance company in Roseville, CA

Insurance companyAverage annual rate
Grange$498
Century National$578
Amica Mutual$630
Liberty Mutuals$640
AIG Prop Cas$969

Homeowners insurance coverage level in Roseville

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. 

Coverage level and average insurance premium in Roseville 

Dwelling Coverage levelAverage annual premium
$100,000 $301
$200,000 $631
$300,000$667
$500,000$857

Areas with the cheapest Insurance in Roseville, CA

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.

Homeowners insurance rate in Roseville, CA by zip code

Names of AreasZipcodes of areasAverage annual bundle insurance rate
Niles Avenue95678$606
Sharon Way95677$607
Tanya Way95661$614
Wemberly District95676$623
Spahn Ranch Road95661$625
Woodgrove way95461$670

Deductible Level and the annual insurance rates in Roseville, CA

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. 

Average annual home insurance rates in Roseville, CA by deductible

DeductibleAverage Annual Rates
$2500 Deductible$704
$2000 Deductible$742
$1500 Deductible$837
$1000 Deductible$917
$500 Deductible$1,019

What Are The Types Of Home Insurance In Roseville

There are different homeowners insurance options available to homeowners in Roseville. They are;

Roseville Home Insurance types and Coverage 

Homeowners insuranceWhat is covered
HO-1 (Basic Plan)
  • This is the basic insurance coverage available in Roseville
  • The basic plan covers natural disasters like storms, wind, volcanic, lightning, and fire.
  • Theft of property is covered.
  • Damage to properties from a vehicular collision is covered
  • Damage from any Explosion and civil unrest
HO-2 (Broad Plan)
  • The broad plan covers damage to personal properties and the structure of the house.
  • It covers damage from falling objects, snow, or sleet.
  • It covers pipes damage caused by freezing
  • Damage to household systems due to electrical currents generated artificially
HO-3 (Special Plan)
  • It is the most common choice in Roseville
  • HO-3 covers all damages apart from the ones excluded in the policy coverage
HO-4 (Tenant’s Plan) 
  • This policy is for renters
  • The tenant plan covers personal property as HO-2 and liability but not the structures of the building
  • It may include loss of use coverage
HO-5 (Comprehensive Plan) 
  • This is the best homeowner insurance available for homeowners
  • HO-5 covers the total cost of repairs; this is unlike HO-3 that only covers the cost of damaged properties
  • HO-5 offers more comprehensive personal property coverage.
HO-6 (Condo Plan)
  • This condo owner’s plan covers ceilings, floors, and the walls only.
  • This policy also covers personal property and liabilities
HO-7 (Mobile home Plan)
  • A mobile home plan is for mobile homeowners
  • It covers the mobile home only when it is stationary; you have to get additional coverage if you intend to move the home
  • It has the same Coverage as HO-3
HO-8 (Older home Plan)
  • This plan is for old houses deemed as landmarks or registered as historical homes
  • This policy offers the same Coverage as HO-1
  • The owner is not allowed to upgrade electricity or any other system that will make the house eligible for HO-3

Best Home Insurance companies in Roseville

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. 

Best insurance company in Roseville based on the AM rating and JD power ranking. 

Home insurance companyAverage annual rate for $250K dwellingJ.D. Power customer satisfaction scoreAM Best Rating
The Hartford$1,215843/1000A+ 
CSAA Insurance Group$807832/1,000
Allstate$1,233838/1000A+ 
State Farm$802837/1000A++ 
USAA$671898/1000A++ 

Major Natural disaster risks for homeowners in Roseville

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: 

  • Wildfire 
  • Flooding
  • Earthquake

Who are the top Home Insurance Agents Near Roseville, CA

Home Insurance Companies in Roseville, CAHomeowners Insurance Agents Near Roseville, CAAddress of Agents
Liberty Mutual IndependentAbram Interstate Ins Svcs Inc2211 PLAZA DR STE 100, ROCKLIN, CA, 95765
State FarmBrian Clark2331 El Camino Ave, Sacramento, CA, 95821-5600
FarmersDavid Israel4815 LAGUNA PARK DR STE A, Elk Grove, CA, 95758
FarmersDiana Hart1111 High St Ste B, Auburn, CA, 95603
AllstateNick Bullard8146 Greenback Ln Ste 101, Fair Oaks, CA, 95628

Companies in Roseville, CA with the Best Bundling Packages: Save cost by choosing bundling

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.

Best bundle rates in areas in Roseville, CA per annum

CompanyAverage Bundle premium
Foothills Farms$888
Citrus Height$900
Antelope CDP$900

Special resources for Homeowners in Roseville, CA

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Roseville, CA Homeowners Insurance FAQs

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.

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