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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.
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 Average Home Insurance Cost (annual) | California Average | United States Average |
| $636 | $1,173 | $1,444 |
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.
| Company | Average 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 |
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 Amount | Annual 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 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.
| Neighborhood | ZIP Code | Average annual homeowners insurance rate |
| Almondwood Ln | 95210 | $549 |
| Christina Ave | 95204 | $578 |
| N Highway 99 unit 44 | 95212 | $609 |
| Jetty Dr | 95206 | $912 |
| Oro Ave | 95215 | $993 |
| Winding River Cir | 95219 | $1,549 |
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.
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $937 |
| $1,000 | $833 |
| $1,500 | $785 |
| $2,000 | $711 |
| $5,000 | $593 |
A standard homeowners insurance policy in Stockton provides the following coverages:
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
| Company | J.D. Power Ranking | A.M. Best Rating | BBB Rating |
| Farmers | 3 out of 5 stars | A+ (Superior) | A+ |
| Allstate | 3 out of 5 stars | A++ (Superior) | A+ |
| Nationwide | 3 out of 5 stars | A+ (Superior) | A+ |
| Erie | 5 out of 5 stars | A+ (Superior) | A+ |
| GEICO | 5 out of 5 stars | A++ (Superior) | A+ |
| Homeowners Insurance Agency Near Stockton | Address |
| Berbower Insurance Agency | 1330 W Robinhood Dr. Suite A-1, Stockton, CA 95207, United States |
| State Farm Insurance Agent | 1036 W Robinhood Dr. #103, Stockton, CA 95207, United States |
| State Farm Insurance Agent | 1755 W Hammer Ln #5, Stockton, CA 95209, United States |
| State Farm Insurance Agent | 5637 N Pershing Ave Ste E22, Stockton, CA 95207, United States |
| Acceptance Insurance | 2701 E Hammer Ln #108, Stockton, CA 95210, United States |
| Confidence Plus Insurance Services: Allstate Insurance | 6852 Pacific Ave Ste B, Stockton, CA 95207, United States |
Here are the top causes of homeowners insurance claims in Stockton:
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.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| Mercury | $1,194 |
| GEICO | $1,320 |
| Farmers | $1,625 |
| CSAA | $1,819 |
| Allstate | $1,901 |
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.
Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.