Sacramento, CA Homeowners Insurance

California’s capital city is a cultural, political, and economic hub of the Sacramento metropolitan area. Due to a rich agricultural diversity and vibrant history, Sacramento has been given many names over the years, such as City of Trees, the Camellia Capital, the Big Tomato, and the River City. 

Sacramento is the fastest-growing city in California, all thanks to the cultural and technological transitions. It all started from gold and transportation, but today the city is home to many technology companies, including Intel and Hewlett-Packard. Ranked as one of the most diverse cities in the US, Sacramento has a welcoming community, a wide array of landmarks, parks, farmers markets, breweries, and the country’s best weather. The city is rich in agricultural products and famous for its local produce. Still, the federal, state, and local government offers the most employment opportunities. When you are in the city, you can visit its landmark restaurant, the Kitchen, and enjoy the best meal of your life. 

As of 2021, the city has a total population of 489,650 and 570,752 housing units, with a homeownership rate of 56.4%. The median home value in Sacramento is $378,300. The cost of living in the city is 18% higher than the U.S. average. 

Best Sacramento Homeowners Insurance 

Regardless of high living costs, it is the perfect time to buy a property in Sacramento. Whether you are currently living in the city or are planning to purchase a house, it is always a good idea to purchase a Sacramento homeowners insurance policy. 

A standard homeowners insurance policy not only offers peace of mind but also protects your most significant investment – 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 Sacramento, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Sacramento Homeowners Insurance Average Cost 

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 Sacramento, the average homeowner insurance rate is $1,557, which is slightly higher than the national average.  

Sacramento Homeowners Insurance Rates Compared to State and National Averages

Sacramento Average Home Insurance Cost (annual)California AverageUnited States Average

Sacramento Homeowners Insurance Premiums by Company

In Sacramento, 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 price. You need to find the right insurance company for your needs. 

In Sacramento, Mercury offers the most affordable home insurance, valued at just $560 per year. Take a look at the table below and see rates offered by different insurance providers in Sacramento. 

Sacramento Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate





State Farm






Sacramento 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 Sacramento:

Homeowners Insurance Rates in Sacramento by Coverage Limits

Coverage AmountAnnual Home Insurance Cost
$100,000 dwelling$299
$200,000 dwelling$755
$300,000 dwelling$1,060
$400,000 dwelling$1,315
$500,000 dwelling$1,680
$750,000 to $1000,000 dwelling$1,947

Sacramento Homeowners Insurance Rates based on ZIP Codes

Homeowners insurance companies in Sacramento use local variables to calculate potential risks and insurance costs. The location of your home 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 will fluctuate. 

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

Cost of Homeowners Insurance in Sacramento by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Basler Street95811$1,776
25th Avenue95820$1,356
Oxford Street95815$2,076
Pickering Way95833$2,544
14th Street95818$2,972

Popular Home Insurance Deductibles in Sacramento 

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 Sacramento homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in Sacramento based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate

Homeowners Insurance Coverages Available in Sacramento 

A standard homeowners insurance policy in Sacramento 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 Sacramento

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 Sacramento homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Sacramento

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
GEICO5 out of 5 starsA++ (Superior)A+
Farmers  3 out of 5 starsA+ (Superior)A+
Travelers 5 out of 5 starA++ (Superior)A+
State Farm 4 out of 5 starsA++ (Superior)A
Liberty Mutuals 3 out of 5 starsAA-

Top Homeowners Insurance Agents in Sacramento

Homeowners Insurance Agency Near SacramentoAddress
Farmers Insurance 2628 El Camino Ave Ste A14, Sacramento, CA 95821
Ken Smalley Insurance Agency1851 Heritage Ln Ste 297, Sacramento, CA 95815
State Farm Insurance Agent1515 30th St Ste 200, Sacramento, CA 95816
Bolt Insurance Services1338 Howe Ave, Sacramento, CA 95825
Sky Insurance Brokers1501 El Camino Ave STE 1, Sacramento, CA 95815
Nationwide Insurance: Ham Insurance Agency, Inc.2210 Del Paso Rd E, Sacramento, CA 95834
Estrella Insurance2433 Northgate Blvd, Sacramento, CA 95833

Common Causes for Sacramento Homeowners Insurance Claims

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

  • Wildfires
  • 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 Sacramento 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 Sacramento homeowners insurance premium is bundling. By bundling your auto and home insurance, you can save up to 25% 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 Sacramento

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$2,031

Special Resources for Residents of Sacramento: 

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Sacramento, 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 items to theft or fire, your personal property coverage will pay to repair or replace those items. 

When you buy homeowners insurance, you need to consider several factors, such as:

  • Cost to rebuild your house and replace your personal property
  • Check your home features that might impact your insurance coverage
  • Check insurance provider’s customer satisfaction rates
  • Know the claim process of your insurer
  • Inquire about discounts offered by the company

Sacramento residents should consider getting additional flood insurance, especially those who live near the Sacramento Valley. The city’s location makes it highly prone to floods and heavy rainfalls, which may even cause mudflow. 

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