Updated: November 24, 2024
Advertising & Editorial Disclosure
In Roseville, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Selecting the best cheap home insurance depends on individual needs, like cost, customer service, and specific coverage options.
Best HomeInsuranceRoseville, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Roseville, relying on data and industry standards for our picks.
Home insurance rates in Roseville mirror the most competitive quotes as of September 2024.
MoneyGeek found that Allstate is the best option for home insurance in Roseville, California, with a MoneyGeek score of 83 for 100K dwelling coverage. The scores for home insurance companies in Roseville, California, range from 45 to 83. These scores reflect MoneyGeek's system, where your score may change based on your credit history or the age of your home, among other factors.
| Allstate | 83 | $348 |
| Travelers | 79 | $484 |
| Chubb | 78 | $612 |
| Farmers | 77 | $447 |
| State Farm | 66 | $676 |
| Nationwide | 54 | $812 |
| Capital Insurance Group | 45 | $657 |
MoneyGeek found that Allstate is the best option in Roseville, California, for $100K dwelling coverage. The two best overall home insurance companies in Roseville for $100K dwelling coverage are:
Allstate stands out as the best home insurance provider because it combines affordability with other major factors like customer satisfaction and coverage score. In Roseville, California, various companies offer different costs and service experiences. While cost is important, factors like customer satisfaction and coverage options are crucial, especially when you need to make claims, highlighting the importance of considering more than just price.
Allstate scores high on affordability and satisfaction, earning it a top MoneyGeek score. It offers comprehensive home insurance with coverages like home rental and yard and garden. Discounts such as responsible payment and continuously insured help policyholders save. Paying on time can qualify you for the responsible payment discount.
Allstate provides useful coverages like home rental, which protects belongings when renting out your home, and yard and garden, which covers landscaping costs. These options add value for homeowners. With its strong scores and coverage options, Allstate is a great choice for home insurance.
MoneyGeek found that Chubb is the best option in Roseville, California for homeowners looking for the best customer service in home insurance with $100K dwelling coverage. Below are the top two providers for this coverage:
Chubb stands out as the best because they offer excellent customer service, which boosts their overall score. High satisfaction levels are key factors, and their policies cover a broad range of protections that meet customer needs. Choosing Chubb means having a reliable partner who listens and responds well to your insurance needs.
Chubb stands out for its high MoneyGeek score, thanks to its great customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. 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's coverage includes cash settlement, which lets you choose not to rebuild after a loss. Building ordinance or law helps bring your home up to code. Guaranteed replacement cost covers rebuilding costs, even if they exceed your policy limit.
MoneyGeek found that Allstate is the best cheap home insurance company in Roseville, California, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When it comes to the average cost of home insurance in California, Allstate stands out due to its excellent affordability and consistent customer satisfaction. Cheap home insurance often means opting for lower coverage, which can save money but might not be enough if an accident happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. The best cheap home insurance considers both price and service quality, not just the lowest price.
Allstate is the best cheap company with a high MoneyGeek score due to its affordability and customer satisfaction. It offers cyber event / ID theft and back-up of sewer or drain coverages, providing comprehensive home insurance. You can save with discounts like responsible payment for good payment history and early payment for signing up early. Allstate's high scores make it a great option 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 10, 2024
Several factors affect homeowners insurance in Roseville, including the location. Comparing homeowners insurance rates in Roseville is the best way to save. However, this can take as much as 15 minutes per company, requiring over an hour for three or more. MoneyGeek's home insurance calculator helps save time. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and more for a rate estimate.
MoneyGeek found that Allstate is the best option in Roseville, California, for affordable home insurance. Understanding that a vital element affecting home insurance rates is the dwelling coverage you choose, we've identified the cheapest providers for various levels of coverage.
Allstate stands out for its excellent price and high customer satisfaction. It's not only the cheapest homeowners insurance in California but also scores highest, making it the top choice in Roseville, California. Opting for the cheapest homeowners insurance in California can help balance your budget and manage finances wisely.
| Allstate | $348 |
| Farmers | $447 |
| Travelers | $484 |
| Chubb | $612 |
| Capital Insurance Group | $657 |
| State Farm | $676 |
| Nationwide | $812 |
Allstate is the most affordable option for high-value homes in Roseville, California. High dwelling coverage is crucial for homes that cost more to replace, and home insurance costs typically increase to match the home's value.
Allstate stands out in Roseville for its competitive pricing in the homeowners insurance market. According to MoneyGeek, while it offers the lowest price, its score suggests it might not be considered the highest in other areas.
| Allstate | $1,863 |
| Travelers | $2,501 |
| Capital Insurance Group | $2,754 |
| State Farm | $3,298 |
| Chubb | $3,491 |
| Nationwide | $4,123 |
| Farmers | $4,810 |
Farmers is the best option for home insurance for new homes in Roseville, {{state}}.
Farmers offers the cheapest home insurance in Roseville simply based on cost. Although it's the most affordable, it may not be the best choice per other scoring factors.
When selecting homeowners insurance, make sure you are adequately covered.
| Farmers | $211 |
| Travelers | $256 |
| Allstate | $261 |
| Nationwide | $334 |
| State Farm | $337 |
| Capital Insurance Group | $428 |
| Chubb | $501 |
Affordable homeowners insurance providers balance quality and cost, offering great service and coverage with reasonable premiums. The best cheap homeowners insurance in Roseville depends on your needs. Consider factors like coverage options, deductibles, and provider reputation. Follow these steps to get the best cheap home insurance.
In Roseville, California, determining how much home insurance coverage you need involves assessing your home’s rebuilding costs, personal property value, and potential liabilities.
Look into insurance companies in Roseville, California. Choose those with solid financial stability, positive customer feedback, and a history of reliable service.
After identifying your coverage requirements, compare home insurance quotes. In Roseville, CA, premiums for $100K dwelling coverage range from $348 to $657 annually.
Inquire with each provider about potential discounts, such as those for bundling, installing safety devices, or maintaining a claims-free history.
Opting for a higher home insurance deductible can decrease your premium, but ensure it’s an amount you can readily pay if needed.
Enhancing your home’s security with systems and sturdy locks can lower the risk profile and potentially reduce insurance costs.
In Roseville, California, maintaining a strong credit score can influence your insurance rates. Ensure timely bill payments and minimize outstanding debts.
Consider combining your homeowners insurance with other policies, like auto insurance, to achieve possible discounts and savings.
The best cheap home insurance provider for you in Roseville depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about best cheap insurance rates in Roseville, California.
The average cost of home insurance in Roseville, California, is $453.
The cheapest home insurance company in Roseville, California, is Allstate with an annual premium of $348.
The best home insurance in California for Roseville 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.
