Stockton, CA Homeowners Insurance

Stockton is located in San Joaquin County in California. It is one of the fastest-growing cities in the United States. The city is the most dynamic, ethnically rich, and culturally diverse. It is neighbored by serene natural scenes and attractions, such as the California Coast, San Francisco, Lake Tahoe, and Yosemite National Park. 

Stockton offers many recreational activities, both indoors and outdoors. The city has thousands mile long waterways, where people enjoy water sports, like water skiing, sailing, and many more. It is also famous for its educational institutions, namely the University of the Pacific, San Joaquin Delta Community College, and Humphreys University & School of Law. Stockton’s charming town has many places where people can enjoy and spend their time, including the Victory Park, Stockton Field Aviation Museum, Haggin Museum, Sorelle Winery, Louis Park, Micke Grove Zoo, and Stockton Arena. 

As of 2021, the city has a total population of 304,308 and 95,514 housing units, with a homeownership rate of 48.8%. The median home value in Stockton is $297,299. Though the cost of property is low in Stockton, you can’t avoid getting it protected against unforeseen disasters. Whether you are currently living in the city or are planning to purchase a house, it is always a good idea to purchase a Stockton homeowners insurance policy to protect the biggest investment of your life. Stockton residents are not legally required to purchase homeowners insurance; it’s still a wise idea to get one anyway. 

If you are looking to buy homeowners insurance in Stockton, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Stockton

Standard homeowner insurance protects your most valuable asset – home, your personal belongings, pays for the medical bills, and additional expenses that might occur while your house gets repaired. When you start looking for Stockton homeowners insurance policy, you must compare prices and coverages offered by different providers. 

The average homeowners insurance in Stockton is $636, which is significantly lower than the national average cost of homeowners insurance.

Stockton Homeowners Insurance Rates Compared to State and National Averages

Stockton Average Home Insurance Cost (annual)California AverageUnited States Average
$636$1,173$1,444

Stockton Homeowners Insurance Premiums by Company

When you start comparing Stockton homeowners insurance rates, you will notice that price fluctuates greatly from one company to another, even for the same coverage levels. In Stockton, Horace Mann offers the cheapest homeowners insurance for a price of $333, whereas Privilege Underwriters Exch sells the most expensive homeowners insurance at a rate of $2,024. 

Have a look at the table below and see rates offered by different providers in Stockton, CA.

Stockton Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Horace Mann$333
Mercury$632
Allstate$695
State Farm$718
USAA$795
AmTrust NGH$915
Farmers$1,222
Privilege Underwriters Exch$2,024

Stockton Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit, which is used to pay for the replacement or repair cost of your property in case of a disaster. The dwelling coverage selected by you has a direct effect on your homeowners insurance premium. If the dwelling coverage level is high, your Stockton homeowners insurance will cost more. 

Look at the table below and see how different coverage levels affect your annual homeowners insurance cost in Stockton:

Homeowners Insurance Rates in Stockton by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$100,000$230
$200,000$492
$300,000$1,074
$400,000$1,296
$500,000$1,470
$750,000 to $1000,000$1,781

Stockton Homeowners Insurance Rates by ZIP Codes

Stockton homeowners insurance is calculated after considering various factors. The location of your home is the most significant factor in determining the cost of your insurance premium. Even if you move from one street to another, you can see a drastic change in your insurance premium. 

Take a look at the table below and find out the Stockton homeowners insurance rates based on ZIP codes.

Cost of Homeowners Insurance in Stockton by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Almondwood Ln95210$549
Christina Ave95204$578
N Highway 99 unit 4495212$609
Jetty Dr95206$912
Oro Ave95215$993
Winding River Cir95219$1,549

Popular Home Insurance Deductibles in Stockton 

When you purchase homeowners insurance in Stockton, you would need to decide on a deductible amount. A homeowner insurance deductible is an amount a homeowner agrees to pay the insurance provider before they payout on a claim. Typically, if you select a low deductible amount, your homeowners insurance premium will be more. You can choose a high deductible amount to reduce the cost of your premium.

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

Homeowners Insurance Cost in Stockton based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$937
$1,000$833
$1,500$785
$2,000$711
$5,000$593

Homeowners Insurance Coverages Available in Stockton 

A standard homeowners insurance policy in Stockton 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 the injury was caused by a resident of your home. 
  • 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 Stockton

Finding the best insurance company can be hard. There are many insurance providers in Stockton who strive to provide insurance policies to the city’s residents. While shopping for homeowners insurance, you should never buy it just based on the price. The ideal insurance company should offer an affordable price, a variety of coverage options, and the best customer service.

The following table lists the best Stockton homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Stockton 

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

Top Homeowners Insurance Agents in Stockton

Homeowners Insurance Agency Near StocktonAddress
Berbower Insurance Agency1330 W Robinhood Dr. Suite A-1, Stockton, CA 95207, United States
State Farm Insurance Agent1036 W Robinhood Dr. #103, Stockton, CA 95207, United States
State Farm Insurance Agent1755 W Hammer Ln #5, Stockton, CA 95209, United States
State Farm Insurance Agent5637 N Pershing Ave Ste E22, Stockton, CA 95207, United States
Acceptance Insurance2701 E Hammer Ln #108, Stockton, CA 95210, United States
Confidence Plus Insurance Services: Allstate Insurance6852 Pacific Ave Ste B, Stockton, CA 95207, United States

Common Causes of Home Insurance Claims in Stockton 

Here are the top causes of homeowners insurance claims in Stockton:

  • Wildfires
  • Floods
  • Earthquakes
  • Damages caused to the exterior of the house
  • Water damages caused by appliance failure or plumbing
  • Hail
  • Theft and burglary

Money-Saving Tips for Stockton Homeowners Insurance 

Homeowners insurance gives you peace of mind that your home is protected. But, the premium can be very expensive. If you are looking for tips to save money on your Stockton homeowners insurance, your best solution is bundling.

Bundling your home and auto insurance will not only offer you discounts, but your insurance policies will be more manageable. Insurance companies offer different discounts based on the cost of 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 Stockton

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,194
GEICO$1,320
Farmers$1,625
CSAA$1,819
Allstate$1,901

Special Resources for Residents of Stockton: 

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Stockton, CA Homeowners Insurance FAQs

Stockton homeowners Insurance policy covers the damages caused to the physical structure of your property, damages caused to additional structures attached to the property, personal liability, medical expenses, and loss or theft of personal belongings.

You can cancel your Stockton homeowners insurance at any time, but you might have to pay some cancellation fee. Many insurance companies charge a cancellation penalty for canceling your insurance before completing the duration of the policy.

A homeowners insurance claim typically stays on your record for five to seven years. It may vary from company to company. The time also depends on the type of damage. Whenever a claim is filed, the insurance company reports it to the CLUE or A-Plus.

Whenever you buy a new homeowners insurance policy, your insurance agent will check your claim history. If you have a claim filed in the last five years, your insurance policy can be expensive. Some companies may even deny you from buying an insurance policy.

A standard homeowners insurance does not cover the damages caused by wildfires, but it does cover the damages caused by an explosion, lightning, etc. If wildfires are a common event in your area, not all insurance providers will sell a wildfires insurance policy. To provide a fair opportunity to homeowners, the Californian government enacted a law that prohibits insurance companies from denying wildfire coverage.

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