Vallejo, CA Homeowners Insurance

Vallejo, CA is located in California and has a population of 121,722. The area is California’s 50th largest city and the 234th largest city in the United States. Vallejo has a rich history and was home to the Mare Island Naval Shipyard. More so, it was the first building and repair center for ships on the West Coast during WWII.

Vallejo sits in the northern region of San Pablo Bay. The waterfront location makes it a vital harbor for ferry transport, military operations, commercial shipping, and oil industry operations. The four high-speed catamaran ferries are famous for carrying passengers to and from San Francisco. 

Given the strategic location and the awe that Vallejo comes with, it is undoubtedly a fantastic city to own a home. If you want to purchase a home, this is the place to be. The city is affordable compared to other Californian cities. The average household income is $86,301. The average rental cost is about $1,532 per month, while the average house value stands at $370,000.

When you buy a home in Vallejo,CA, most realtors recommend that you buy house insurance. If you are taking a mortgage, you must buy homeowners insurance in Vallejo. Hence, it is vital to understand all about insurance to be on the safe side. If you are looking to buy homeowners insurance in Vallejo, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Vallejo

Your Vallejo homeowners insurance cost depends on various factors, including the value, location, and type of construction of your property. 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 Vallejo, the average homeowner insurance rate is $872, which is lower than the national and state average.

Vallejo Homeowners Insurance Rates Compared to State and National Averages

Vallejo Average (annual)California AverageUnited States Average
$872$1,165.99$1,478

Vallejo Homeowners Insurance Premiums by Company

The company you hire influences the price of your homeowners insurance in Vallejo. Vallejo homeowners insurance rates fluctuate significantly between companies. 

Travellers insurance company sells the most affordable homeowners insurance premium in Vallejo, CA, valued at $431. Have a look at the following table below and see the homeowners insurance rates offered by different insurance providers.

Vallejo Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Travelers$431
Farmer’s Insurance$460
Esurance$900
Nationwide$1,019
Encompass Insurance$1,390
Horace Mann Educators Corporation$1,822

Vallejo Homeowners Insurance Rates by Coverage Amount 

Dwelling coverage limit is used to pay for the replacement or repair cost of your property in case of a disaster. The cost of your housing insurance premium in Vallejo is influenced by the coverage amount. 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 Vallejo:

Homeowners Insurance Rates in Vallejo by Coverage Limits

Coverage AmountAnnual Home Insurance Cost
$100,000$377
$200,000$432
$300,000$899
$400,000$1,288
$500,000$1649
$750,000 to $1000,000$1925

Vallejo Homeowners Insurance Rates by ZIP Code

The location of your property also determines how much your insurer charges on your house insurance. The costs are based on the risks associated with each ZIP code, hence the charges vary depending on the locality. 

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

Cost of Homeowners Insurance in Vallejo by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Edwards Street94589$420
Daniels Ave94590$864
Maple Ave94591$1,428
Azuar Dr94592$2,100

Popular Home Insurance Deductibles in Vallejo

Homeowners must decide on setting a deductible limit. A deductible is the money that an insured homeowner is responsible for paying before an insurance company covers a claim. The deductible limit that you set impacts the cost of your premium.

While setting your deductible level, keep in mind that a lower deductible translates to higher premium amounts, and the opposite is true. Therefore, consider putting a higher deductible for lower insurance premiums. However, your limit should be reasonable so that you make your payments without overspending or undercutting your budget. 

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

Homeowners Insurance Cost in Vallejo based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$865
$1,000$783
$1,500$737
$2,000$669
$5,000$622

Homeowners Insurance Coverages Available in Vallejo

A standard homeowners insurance policy in Vallejo provides coverage for:

  • 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 Vallejo, CA 

 

When shopping for homeowners insurance firms, it is essential to consider the pricing. However, the cost of your Vallejo homeowners insurance premium is not the only thing that you need to consider. You must check the company’s financial strength as that determines the capability of paying up claims. 

To make your research easier, we have listed the best Vallejo homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Vallejo

CompanyJ.D. Power RankingA.M. Best RatingBBB rating
USAA5/5 starsA++ (Superior)A+
Amica5/5 starsA+(Superior)B-
State Farm3/ 5 starsA++ (Superior)A
Allstate3/5 starsA+ (Superior)A+
Auto Club3/5 starsNot RatedA+

Top Homeowners Insurance Agents in Vallejo

Homeowners Insurance Agency Near Vallejo, CAAddress

Noel P. Gallego: Allstate Insurance

4380 Sonoma Blvd Ste 142, Vallejo, CA 94589

Acceptance Insurance

3325 Sonoma Blvd #20, Vallejo, CA 94590

Vallejo Insurance Associates LLC

840 Tuolumne St, Vallejo, CA 94590

David Sikes: Allstate Insurance

3469 Tennessee St Ste 201, Vallejo, CA 94591

Alicia Cook – State Farm Insurance Agent

2002 Springs Rd, Vallejo, CA 94591

Ayxa Noble: Allstate Insurance

2501 Springs Rd, Vallejo, CA 94591

Farmers Insurance – Richard Arvin

1433 Springs Rd, Vallejo, CA 94591

Common Causes of Home Insurance Losses in Vallejo

Vallejo is highly prone to floods, earthquake damage, and wildfires, due to which, the cost of homeowners insurance in Vallejo has skyrocketed. The California Department of Insurance records that insurers suffered a loss rate of 201.17% in 2017. The rate stood at 170.08% in the following year. The most common causes of home claims are exterior wind damages, water damages caused by appliance failure, hail, and theft. 

Vallejo homeowners insurance premium does not cover the damages caused by floods, earthquakes, and wildfires. Homeowners need to get additional coverages to protect their property against these damages. If you cannot find a private insurer to cover your house against them, consider going for the California FAIR program. The Fair plan provides coverage for damages caused by fire, lightning, smoke, internal explosions, flooding, and much more at a fair rate.

Money-Saving Tips for Vallejo Homeowners Insurance

Homeowners insurance keeps your home 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 Vallejo homeowners insurance premium is bundling. By bundling your auto and home insurance, you can save up to 25% on your premium. Take a look at the table and see how bundling your home and auto insurance affects your homeowners insurance premium.

Auto & Homeowners Insurance Bundling Discounts in Vallejo, CA

Place1 Car Bundle Savings On Insurance2 Car Bundle Savings On Insurance3 Car Bundle Savings On Insurance
Crockett CDP, California$78$104$156
Benicia city, California$79$105$158
Rodeo CDP, California$76$102$153

Special Resources for Residents of Vallejo: 

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Los Angeles, CA Homeowners Insurance FAQs

Insurance costs differ depending on various factors, including the company, location, coverage level, deductible limit, and other factors. You need to get quotations when shopping for housing insurance to be sure of the prices.

Many homeowners get insurance from private companies. However, if the firms do not offer coverage for some damages such as those caused by earthquakes, you can purchase a policy from the California Earthquake Authority.

Yes, they can. The frequency of fires and natural disasters has led companies to increase the rates in affected regions. However, be on the lookout for greedy agents that might exploit you in the name of increased risks.

A majority of dwelling policies do not cover earthquake damage. However, the coverage is provided in separate earthquake policies that most insurance companies offer. You can also get premiums from the California Earth Authority for earthquake losses.

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

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