Updated: November 27, 2024
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In Elk Grove, California, Allstate is the best and cheapest home insurance company overall. However, if customer service is your priority, Chubb is the top choice.
These companies cater to different needs, so choose a provider based on what matters to you, like price, coverage, or service quality.
Best HomeInsuranceElk Grove, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Elk Grove.
Elk Grove homeowners insurance quotes reflect the most favorable rates as of September 2024.
Allstate is the best home insurance option for $100K dwelling coverage in Elk Grove, CA, with a MoneyGeek score of 83 out of 100.
Home insurance companies in Elk Grove have scores ranging from 44 to 83, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Allstate | 83 | $341 |
| Chubb | 79 | $553 |
| Travelers | 78 | $470 |
| Farmers | 72 | $481 |
| State Farm | 55 | $731 |
| Nationwide | 54 | $723 |
| Capital Insurance Group | 44 | $619 |
Allstate is the best home insurance company in Elk Grove, CA, for $100K dwelling coverage due to its balance of affordability and customer satisfaction. The overall top providers are:
While cost is crucial, consider other aspects like customer service, especially when handling claims, for a comprehensive understanding of your options.
Allstate stands out for its affordability and customer satisfaction. Discounts like bundle (up to 25% off when combining home and auto policies) help reduce costs.
It offers comprehensive coverage, including cyber event/ID theft, which helps recover lost data and covers legal fees in case of identity theft, and backup of sewer or drain, which covers water damage from drain issues.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Elk Grove, CA. The top providers in this category are:
Chubb scores highly in customer satisfaction, reflecting excellent service quality. It's a solid option if you prioritize outstanding customer service and affordable coverage for your home. Excellent service in home insurance means being responsive, easy to contact and helpful in resolving claims quickly.
Chubb scores highly on MoneyGeek for its strong customer satisfaction and coverages. It provides comprehensive home insurance, including guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated codes. Cash settlement offers a payout option if you choose not to rebuild after a total loss.
New home and home renovation discounts, such as those for renovations completed within the past six years, can help you save.
Allstate is the best cheap home insurance company in Elk Grove, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
Opting for cheap home insurance often means reduced coverage, which can save money but might not suffice in case of mishaps. If saving on premiums is your goal, explore the cheapest homeowner insurance companies.
The best cheap providers, like Allstate, balance affordability with quality service, unlike the most affordable options that may focus solely on price.
Allstate is the best cheap company with high affordability and satisfaction scores. You can save with discounts like bundle (up to 25% by combining home and auto policies) and responsible payment.
Allstate offers coverages for protecting your home and belongings, such as cyber event/ID theft, which helps pay for recovery costs if your identity is stolen, and backup of sewer or drain, which covers water damage from drains.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 13, 2024
Homeowners insurance in Elk Grove varies due to several factors, including location. Comparing insurance rates is the best way to save, but it can take over an hour as each company may require 15 minutes. MoneyGeek's home insurance calculator helps you save time by focusing on key factors like age, dwelling coverage, credit score and deductible.
Allstate offers the lowest home insurance rates in Elk Grove, CA. Here are the cheapest overall providers:
Dwelling coverage significantly affects home insurance rates. Allstate is the most affordable for $100K, $250K and $500K coverages in Elk Grove, offering great value with a MoneyGeek score of 91 out of 100.
Choosing the cheapest homeowners insurance in California can help you manage your finances effectively.
| Allstate | $341 |
| Travelers | $470 |
| Farmers | $481 |
| Chubb | $553 |
| Capital Insurance Group | $618 |
| Nationwide | $723 |
| State Farm | $731 |
Allstate is the best option for high-value home insurance in Elk Grove, CA, offering the lowest premium of $1,807 annually for $750K dwelling coverage. Homes that are pricey to replace need higher coverage, which raises home insurance costs.
While Allstate is the cheapest, it might not necessarily be the top-rated in other aspects.
| Allstate | $1,807 |
| Travelers | $2,324 |
| Capital Insurance Group | $2,593 |
| Chubb | $3,060 |
| State Farm | $3,564 |
| Nationwide | $3,639 |
| Farmers | $5,354 |
In Elk Grove, CA, Farmers is the cheapest option for new homes requiring $100K in dwelling coverage.
Despite Farmers' cost advantage, it may not always be the best overall choice based on other factors. Ensure that you're adequately covered in any unforeseen events affecting your home.
| Farmers | $227 |
| Travelers | $254 |
| Allstate | $256 |
| Nationwide | $302 |
| State Farm | $365 |
| Capital Insurance Group | $403 |
| Chubb | $455 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, assess your home's rebuilding costs, personal property value and liability requirements.
Look into insurance companies operating in Elk Grove, CA. Focus on those with a solid financial background, positive customer feedback and a history of reliable service.
Once you understand your needs, compare home insurance quotes. In Elk Grove, CA, average annual premiums for $100K dwelling coverage range from $341 to $731.
Check with each insurance provider about discounts, such as those for policy bundling, safety installations or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Make sure it's an amount you can manage if a claim arises.
Adding security systems and strong locks can lower your home's risk profile, potentially decreasing insurance costs.
Keeping a good credit score can influence your insurance rates. Pay bills on time and minimize debt.
Consider combining your homeowners insurance with other policies, like auto insurance, for possible discounts and savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Elk Grove, CA.
The average annual home insurance cost in Elk Grove, California, is $440.
The cheapest home insurance company in Elk Grove, California, is Allstate, with an average annual premium of $341.
Allstate provides the best home insurance in California for Elk Grove residents, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
