Updated: November 30, 2024
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In Vallejo, CA, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best.Â
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceVallejo, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services. This helped us find the top homeowners insurance options in Vallejo.
Home insurance premiums in Vallejo showcase the most competitive rates as of September 2024.
MoneyGeek found that Allstate is the best option in Vallejo, CA, for home insurance with $100K dwelling coverage, earning a MoneyGeek score of 83 out of 100.Â
The scores for home insurance companies in Vallejo range from 47 to 83. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Allstate | 83 | $323 |
| Travelers | 79 | $453 |
| Farmers | 75 | $432 |
| Chubb | 71 | $644 |
| State Farm | 60 | $695 |
| Nationwide | 54 | $743 |
| Capital Insurance Group | 47 | $586 |
MoneyGeek found that Allstate is the best option in Vallejo, CA, for $100K dwelling coverage. The two best overall home insurance companies in Vallejo for $100K dwelling coverage are:
Allstate stands out as best home insurance provider due to its affordability and excellent customer satisfaction.Â
Vallejo, CA, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.
Allstate scores high in affordability and customer satisfaction. Discounts like bundle and responsible payment help save money. Bundling home and auto policies can save up to 25%.
Allstate's cyber event/id theft coverage helps recover lost data and covers legal fees if your identity is stolen. Back-up of sewer or drain coverage protects against water damage from drain issues. These coverages are valuable for homeowners seeking extra protection.
MoneyGeek found that Chubb offers the best customer service in home insurance in Vallejo, CA, for $100K dwelling coverage. The top two providers for this coverage are:
Chubb stands out as the best due to its high MoneyGeek score, driven by outstanding customer satisfaction. Excellent service in home insurance combines friendly customer support with effective claims handling.
Chubb is the best for service quality, with high scores in satisfaction and coverage. You can save with discounts on new homes and home renovations. For example, you get a discount if your home was renovated within the last six years.
Chubb provides useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement allows you to receive a payout if you choose not to rebuild after a total loss.
MoneyGeek found that Allstate is the best cheap choice for home insurance in Vallejo, CA, with $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out because of its high affordability and coverage scores, making it a great choice. However, cheap home insurance often means lower coverage, which can be risky if it's not enough during an accident. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.Â
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Allstate is the best cheap company with high scores in affordability and satisfaction. You can save with discounts like responsible payment, which rewards good payment history, and early payment, which saves you money when you sign up early.
It offers comprehensive home insurance with cyber event/ID theft, which helps if your identity is stolen, and back-up of sewer or drain coverages, which covers water damage from broken drains. Yard and garden increases limits for landscaping costs.
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 03, 2024
A number of factors affect homeowners insurance in Vallejo, including location. Comparing rates is the best way to save, but it can take as much as 15 minutes per company. Comparing three or more can mean over an hour of research. MoneyGeek's home insurance calculator helps you save instantly by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other details to get a rate estimate.
Allstate stands out in Vallejo, CA, as the most cost-effective option for homeowners insurance. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Allstate is recognized not only for its affordability but also for its high overall rating. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.
Finding the cheapest homeowners insurance in California can help you manage finances better by lowering monthly costs.
| Allstate | $323 |
| Farmers | $432 |
| Travelers | $453 |
| Capital Insurance Group | $586 |
| Chubb | $644 |
| State Farm | $695 |
| Nationwide | $743 |
Allstate is the best option for high-value home insurance in Vallejo, CA, offering the cheapest annual premium for $750K dwelling coverage. High dwelling coverage is needed to replace expensive homes, and home insurance costs rise with coverage.
Allstate stands out as the cheapest in Vallejo, CA, based on its low annual premium. According to MoneyGeek, while Allstate offers affordability, its overall rating may not be the highest, an important point to consider when choosing the best insurance for your needs.
| Allstate | $1,664 |
| Travelers | $2,139 |
| Capital Insurance Group | $2,458 |
| State Farm | $3,388 |
| Chubb | $3,709 |
| Nationwide | $3,746 |
| Farmers | $4,173 |
Farmers offers the cheapest home insurance for new homes in Vallejo, California.
Farmers stands out as the least expensive option due to its low premiums of $204 per year for $100K coverage, but it may not be the top choice based on overall quality according to reviews.
You also need to ensure you are adequately covered when choosing your home insurance.
| Farmers | $204 |
| Travelers | $244 |
| Allstate | $251 |
| Nationwide | $309 |
| State Farm | $347 |
| Capital Insurance Group | $382 |
| Chubb | $524 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To determine how much home insurance coverage you need, consider factors like the cost to rebuild your home in Vallejo, CA, and the value of your belongings.
Check insurance companies operating in Vallejo, CA. Focus on those with strong financial health, positive customer feedback and reliable service.
Once you've identified your coverage needs, compare home insurance quotes. In Vallejo, CA, premiums for a $100K dwelling range from $323 with Allstate to $695 with State Farm.
Inquire with each insurer about possible discounts, such as those for bundling, adding safety features or having no claims history.
Opting for a higher home insurance deductible can lower your premium, but ensure it's an amount you can manage if needed.
Enhancing your home's security with systems and sturdy locks can decrease its risk profile and potentially lower insurance premiums.
Keep a strong credit score as it can influence your insurance rates in Vallejo, CA. Pay bills promptly and minimize outstanding debts.
Consider combining your homeowners insurance with other policies, like auto insurance, to benefit from potential discounts.
The best cheap home insurance provider in Vallejo depends on your coverage needs and budget. Get answers to common questions about insurance rates in Vallejo, California.
The average cost of home insurance in Vallejo, California, is $437.
Allstate offers the cheapest home insurance in Vallejo, California, with an annual premium of $323.
The best home insurance in California for Vallejo 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.
