Updated: November 29, 2024
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In Fairfield, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best.
These companies cater to different needs, so we recommend choosing a provider based on what's important to you. Factors like home location and coverage options matter when choosing the best cheap home insurance.
Best HomeInsuranceFairfield, CATable of Contents
Why Trust MoneyGeek? We used data and rates from the California Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Fairfield.
Home insurance premiums in Fairfield represent the latest available quotes as of September 2024.
MoneyGeek found that Allstate is the best option in Fairfield, California, for home insurance with 100K dwelling coverage. It has a MoneyGeek score of 83 out of 100.
The scores for home insurance companies in Fairfield, California, range from 51 to 83. These figures reflect MoneyGeek's scoring system, and insurers may receive different scores based on factors like credit history and the age of your home.
| Allstate | 83 | $333 |
| Travelers | 81 | $451 |
| Farmers | 77 | $432 |
| Chubb | 75 | $644 |
| State Farm | 62 | $728 |
| Nationwide | 54 | $811 |
| Capital Insurance Group | 51 | $580 |
MoneyGeek found that Allstate is the best option in Fairfield, California, for $100K dwelling coverage. The two best overall home insurance companies in Fairfield for $100K dwelling coverage are:
Allstate is the best home insurance provider due to its affordable rates and high customer satisfaction ratings, which contribute significantly to its MoneyGeek score.
In Fairfield, California, various companies have different costs and service experiences. While cost is a crucial factor, consider customer service and claims process efficiency, which are vital elements when making a claim.
Allstate is a top choice due to its high affordability and customer satisfaction scores. It offers comprehensive home insurance with coverages like cyber event/ID theft and back-up of sewer or drain. You can save with discounts like responsible payment, which rewards a good payment history, and early payment, which offers savings for signing up early.
Allstate's cyber event/ID theft helps if your identity is stolen. Back-up of sewer or drain covers water damage from drains or sump pumps. Home business property increases limits for business items at home. These coverages add value and protection for your home.
MoneyGeek found that Chubb offers the best customer service for home insurance in Fairfield, California, for 100K dwelling coverage. It achieves top marks while offering competitive rates and reliable coverage. For homeowners in Fairfield, the leading providers for 100K dwelling coverage are:
Chubb's high MoneyGeek score is due to its excellent customer satisfaction and comprehensive coverage options. Choosing Chubb means you get outstanding service and reliability at an affordable rate.
Excellent service in home insurance ensures quick, effective responses to claims and easy access to assistance.
Chubb is the best for service quality, with customer satisfaction boosting its MoneyGeek score. It offers guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation. A new home discount applies if your home is 10 years old or less.
Chubb offers useful coverages like cash settlement, personal property replacement cost and lock replacement. Cash settlement helps if you choose not to rebuild after a loss. Personal property replacement cost covers your belongings without depreciation. Lock replacement is handy if your keys are lost.
MoneyGeek found that Allstate is the best cheap home insurance option in Fairfield, California. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in California, Allstate stands out because of its affordability and customer satisfaction scores, which contribute significantly to its high MoneyGeek score. It's important to note that opting for cheap home insurance often means accepting lower coverage. Although this can save money, it might not cover all costs in case of a major accident. In such cases, considering the cheapest homeowner insurance companies might help.
The best cheap insurance offers a balance of cost and coverage, while the cheapest focuses only on low prices. Allstate manages to balance cost and service.
Allstate scores high in affordability and customer satisfaction, making it a great choice for cheap home insurance. It offers cyber event/ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle, which gives savings when you combine home and auto policies.
Allstate's cyber event/ID theft coverage helps if your identity is stolen. Back-up of sewer or drain covers water damage from drains. These coverages and discounts make Allstate a smart choice for homeowners.
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
In Fairfield, several factors impact homeowners insurance, including location. The best way to save is by comparing rates, though it takes around 15 minutes per company. To compare three or more, expect over an hour of research. MoneyGeek's home insurance calculator saves time by highlighting key factors like age, dwelling coverage, credit score and deductible.
Allstate offers the most affordable home insurance in Fairfield, California, with a MoneyGeek score of 91. The primary driver of home insurance costs is the dwelling coverage you choose.
Allstate is the cheapest choice in Fairfield, California, by cost and top ratings. For 250K coverage, its rate remains the most affordable while maintaining a high score. It is also the lowest in cost for 500K coverage, being the best in price and value.
Opting for the cheapest homeowners insurance in California can help keep your finances in check.
| Allstate | $333 |
| Farmers | $432 |
| Travelers | $451 |
| Capital Insurance Group | $580 |
| Chubb | $644 |
| State Farm | $728 |
| Nationwide | $811 |
Allstate offers the cheapest home insurance for high-value homes in Fairfield, California. High dwelling coverage is necessary for homes with expensive replacement costs. As home values increase, home insurance costs rise accordingly.
Allstate's lower premiums make it stand out in Fairfield, California. According to MoneyGeek, while it’s the least expensive, it may not perform best overall, with other companies scoring higher in different areas.
| Allstate | $1,743 |
| Travelers | $2,213 |
| Capital Insurance Group | $2,432 |
| State Farm | $3,552 |
| Chubb | $3,709 |
| Nationwide | $4,117 |
| Farmers | $4,173 |
Farmers is the cheapest option for new homes in Fairfield, California, offering the lowest cost for dwelling coverage of $100K.
Farmers is the least expensive choice for $100K coverage in Fairfield, but it may not always lead in all aspects according to comprehensive comparisons. Being the cheapest does not necessarily mean it ranks highest overall.
While cost is important, you need to ensure you are adequately covered.
| Farmers | $204 |
| Travelers | $240 |
| Allstate | $255 |
| Nationwide | $333 |
| State Farm | $364 |
| Capital Insurance Group | $378 |
| Chubb | $524 |
The best affordable homeowners insurance providers balance quality and cost, offering great customer service and comprehensive coverage at reasonable premiums.
The best cheap homeowners insurance in Fairfield depends on your needs. It's important to consider other factors besides premiums, like coverage options and customer service. Follow these steps to get the best cheap home insurance:
Determine how much home insurance coverage you need by considering the specifics of your property in Fairfield, California. Think about rebuilding costs, personal belongings and liability requirements.
Look into insurance companies operating in Fairfield, California. Seek those with solid financial health, positive customer feedback and a history of reliable service.
Once you know your coverage needs, compare home insurance quotes. In Fairfield, California, annual premiums for a $100K dwelling can range from $333 with Allstate to $580 with Capital Insurance Group.
Inquire with each insurer about potential discounts, such as those for combining policies, adding security systems or maintaining a claims-free record.
Opting for a higher home insurance deductible could decrease your premium, but ensure it's an amount you can manage in the event of a claim.
Enhance your home's security with alarm systems and sturdy locks to lower its risk profile and potentially reduce insurance costs.
Keep a strong credit score in Fairfield, California, as it can influence your insurance rates. Make timely payments and reduce outstanding debts.
Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to notable discounts and savings.
The best cheap home insurance provider in Fairfield depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Fairfield, California.
The average cost of home insurance in Fairfield, California, is $447.
Allstate offers the cheapest home insurance in Fairfield, California, with an annual premium of $333.
The best home insurance in California for Fairfield residents is provided by Allstate, 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.
