Best and Cheapest Home Insurance in Stockton, CA (2024)


In Stockton, California, Allstate is the best and cheapest home insurance company overall. However, if customer service is your priority, Chubb is the top option.

These companies cater to different needs, so choose a provider based on location, property value and preferred coverage.

MoneyGeek Logo IconBest HomeInsuranceStockton, CA
2024

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Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Stockton.

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Home insurance rates in Stockton represent the most competitive quotations as of September 2024.

2,730,240Quotes Analyzed
 
8Companies Compared

Overview: Best Home Insurance Companies in Stockton, CA

Allstate is the best home insurance option for 100K dwelling coverage in Stockton, CA, with a MoneyGeek score of 83 out of 100.

Home insurance companies in Stockton have scores ranging from 48 to 83, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.

Data filtered by:Results filtered by:
Category:
Category:Best Overall
Coverages:
Coverages:1 - $100K Dwelling
Allstate83$335
Chubb79$554
Travelers69$566
State Farm66$623
Nationwide63$639
Capital Insurance Group48$582
Farmers48$745

Overall Best Home Insurance in Stockton, CA

Allstate is the best home insurance company in Stockton, CA, for $100K dwelling coverage due to its affordability and high customer satisfaction. The overall top providers are:

  • Allstate: MoneyGeek score of 83 out of 100 ($335 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($554 per year)

While cost is crucial, consider other factors like service and claims handling, which can impact your overall experience when making a claim.

Company logo for Allstate
Best OverallAllstate
MoneyGeek Score:
83/ of 100

Overview

Allstate stands out for its affordability and customer satisfaction. Homeowners can save with bundle and responsible payment discounts, which reward a good payment history.

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. Home business property coverage increases limits for business items at home.

Best Home Insurance for Customer Service in Stockton, CA

Chubb offers the best customer service in home insurance for $100K dwelling coverage in Stockton, CA. The top providers in this category are:

  • Chubb: MoneyGeek score of 96 out of 100 ($554 per year)
  • Nationwide: MoneyGeek score of 81 out of 100 ($639 per year)

Chubb has a balance of customer satisfaction and comprehensive coverage. Excellent service in home insurance involves attentive support and clear communication with policyholders.

Company logo for Chubb
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100

Overview

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.

You can save with discounts like new home (for properties 10 years or less) and home renovation (for renovations within the last six years).

Best Cheap Home Insurance in Stockton, CA

Allstate is the best cheap home insurance company in Stockton, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:

  • Allstate: MoneyGeek score of 91 out of 100 ($335 per year)
  • Chubb: MoneyGeek score of 73 out of 100 ($554 per year)

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.

Company logo for Allstate
Best CheapAllstate
MoneyGeek Score:
91/ of 100

Overview

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.

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Rates updated:

Dec 10, 2024

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Why You Can Trust MoneyGeek

Many factors affect homeowners insurance in Stockton, and location is one of them. Comparing rates is the best way to save, but it can take over an hour to check three or more companies, each taking about 15 minutes. MoneyGeek's home insurance calculator helps you save time by focusing on critical factors. Enter age, coverage, credit score, deductible and more for a rate estimate.

Cheapest Home Insurance in Stockton, CA

Allstate offers the lowest home insurance rates in Stockton, CA. Here are the cheapest overall providers:

  • For $100K dwelling coverage: Allstate: $335 per year
  • For $250K dwelling coverage: Allstate: $635 per year
  • For $500K dwelling coverage: Allstate: $1,128 per year

The primary factor affecting home insurance costs is the dwelling coverage you select. Allstate is the most affordable for $100K, $250K and $500K coverages in Stockton, offering great value with a MoneyGeek score of 91 out of 100.

Explore the cheapest homeowners insurance in California for an easier way to keep your home protected without breaking the bank.

Data filtered by:Results filtered by:
Coverages:
Coverages:$100K Dwelling
Allstate$335
Chubb$554
Travelers$566
Capital Insurance Group$582
State Farm$623
Nationwide$639
Farmers$745

Cheapest Home Insurance for High-Value Homes in Stockton, CA

Allstate is the cheapest option for high-value home insurance in Stockton, CA. High dwelling coverage is needed for homes costing more to replace, impacting home insurance costs.

  • Cheapest for $750K dwelling coverage: Allstate: $1,646 per year
  • Cheapest for $1M dwelling coverage: Allstate: $2,173 per year

While Allstate is the cheapest, it might not necessarily be the top-rated in other aspects.

Data filtered by:Results filtered by:
Coverages:
Coverages:1 - 750K dwelling
Allstate$1,646
Capital Insurance Group$2,438
Travelers$2,772
State Farm$3,033
Chubb$3,068
Nationwide$3,219
Farmers$6,338

Cheapest Home Insurance for New Homes in Stockton, CA

Allstate offers the cheapest insurance in Stockton, CA, for new homes needing $100K and $500K in dwelling coverages.

  • Cheapest for $100K dwelling coverage: Allstate: $265 per year
  • Cheapest for $250K dwelling coverage: Nationwide: $449 per year
  • Cheapest for $500K dwelling coverage: Allstate: $753 per year

Although Allstate is the cheapest, it may not offer the best homeowner experience. Ensure that you're adequately covered for any unforeseen events that affect your home.

Data filtered by:Results filtered by:
Coverages:
Coverages:1 - $100K Dwelling
Allstate$265
Nationwide$267
Travelers$304
State Farm$311
Farmers$350
Capital Insurance Group$379
Chubb$455

How to Find the Best Home Insurance for You in Stockton, CA

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:

  1. 1
    Evaluate your insurance needs

    To determine how much home insurance coverage you need, consider your home's rebuilding costs, your personal property value and your liability needs.

  2. 2
    Compare different providers

    Research insurance companies in Stockton, CA. Look for those with strong financial stability, positive customer reviews and a history of quality service.

  3. 3
    Compare coverage and costs

    Once you know what coverages you need, compare home insurance quotes. In Stockton, CA, average annual premiums for $100K dwelling coverage range from $335 to $745.

  4. 4
    Ask about discounts

    Inquire with each provider about discounts. These might include savings for bundling policies, installing safety features or maintaining a claims-free record.

  5. 5
    Increase your deductible

    Opting for a higher home insurance deductible can lower your premium. However, ensure it's an amount you can afford if you need to make a claim.

  6. 6
    Improve home security

    Adding security systems and strong locks can lower your home's risk profile and may reduce insurance costs.

  7. 7
    Maintain good credit

    Keep a good credit score, as it can affect your insurance rates. Ensure timely bill payments and reduce outstanding debt.

  8. 8
    Bundle policies

    Consider bundling your homeowners insurance with other policies, like auto insurance, to receive discounts and save money.

FAQ: Best Cheap Home Insurance in Stockton, CA

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 Stockton, CA.

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About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.