The Cheapest and Best Homeowners Insurance in Santa Rosa
The Cheapest Home Insurance Companies in Santa Rosa
When looking for the best homeowners insurance in Santa Rosa, the cost is a vital factor to consider since plenty of companies offer the same core coverages.
The companies offering the average cheapest homeowners insurance in Santa Rosa with a baseline dwelling coverage of $500,000 are:
- ASI: $984 per year
- Universal North America: $1,082 per year
The companies providing the average cheapest home insurance policies in Santa Rosa for expensive homes with dwelling coverage of $2 million are:
- ASI: $2,712 per year
- AAA: $4,001 per year
Your dwelling coverage limits can affect the cost of your home insurance in Santa Rosa — the table below shows how prices change when you adjust dwelling coverage.
The Cheapest Home Insurance in Santa Rosa, Ranked
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The personal property limit of MoneyGeek’s sample policy with an initial baseline dwelling coverage of $500,000 is $200,000. Meanwhile, the policy with a dwelling coverage of $2,000,000 has personal property limits of $800,000. Regardless of dwelling coverage limits, all policies have $100,000 in liability coverage.
If you live in another city or may be moving soon, you can look up California home insurance rates.
The Average Cost of Homeowners Insurance in Santa Rosa for 2022
In Santa Rosa, the average cost of homeowners insurance is $1,551 per year. That is around $451 less than the California average of $2,002 per year and roughly $552 less than the national average of $2,103 per year.
Calculate the Cost of Home Insurance in Santa Rosa
Aside from your location, other factors have a significant impact on homeowners insurance costs in Santa Rosa. These include your dwelling coverage and personal property coverage limits. Take advantage of MoneyGeek’s home insurance calculator to compare quotes in California to find the cheapest homeowners insurance.
Home Insurance Calculator
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Santa Rosa
Besides affordability, you should consider the customer service and financial stability of an insurance provider when looking for home insurance. You’ll most likely make a claim during a stressful time, so you need to make sure your insurer can pay you quickly and fairly.
In Santa Rosa, the best companies for homeowners insurance are:
- Best Overall: USAA (only serves current and former military members)
- Runner-up: Travelers
MoneyGeek ranked home insurance companies in the city based on affordability, user satisfaction and financial stability.
USAA is the best overall home insurer in Santa Rosa; it ranked well across every category and scored perfectly for customer service and stability. However, only those with a military background are eligible for its policies.
For policyholders who rent out a room or their home, USAA offers add-on home-sharing coverage to cover any costs associated with being a landlord. Active duty members may also get coverage for the loss of their uniforms with no deductible.Read MoneyGeek's USAA home Insurance Review
Travelers is the next best and most accessible home insurance company in Santa Rosa, ranking high for affordability and perfect for stability. It provides extra protection to repair damages to a home with green materials.
Travelers lets policyholders add identity fraud expense coverage up to $25,000 to cover identity restoration. You can also get additional replacement costs, meaning that if the cost to replace your home is higher than your dwelling coverage, you remain covered.Read MoneyGeek's Travelers home Insurance Review
Cheapest Home Insurance Companies in Santa Rosa for Newly Constructed Homes
In Santa Rosa, newly constructed homes could be cheaper to insure. That’s because they have modern materials that are more resistant to damage and are easier for insurance providers to replace. Newer homes in the city cost an annual average of $1,217 to insure, while a home built in 2000 costs $1,551 per year on average.
The companies offering the average cheapest homeowners insurance in Santa Rosa for new homes with $500,000 in dwelling coverage are:
- ASI: $683 per year
- Travelers: $741 per year
The Cheapest Home Insurance in Santa Rosa for New Homes, Ranked
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Cheapest Home Insurance Companies in Santa Rosa if You Have a Lot of Personal Property
Home insurance covers the personal property you keep in your home. Keep in mind that the higher the personal property coverage you want, the higher your premium. In Santa Rosa, a standard home insurance policy with personal property limits of $250,000 costs around $1,807 annually. On the other hand, a policy with $100,000 in personal property limits costs an average of $1,551 per year.
The cheapest home insurance companies in Santa Rosa for homeowners with a high personal property limit are:
- ASI: $1,064 per year on average
- Travelers: $1,229 per year on average
Cheap Companies in Santa Rosa for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Santa Rosa for High Deductibles
The deductible plays a significant role in the cost of homeowners insurance in Santa Rosa. Having a higher deductible means you spend more money out-of-pocket when you make a claim, but you pay less yearly.
On average, the annual cost of home insurance in Santa Rosa with a $2,000 deductible is $1,348. In comparison, a policy with a deductible of $1,000 has an average annual cost of $1,551.
The cheapest home insurance in Santa Rosa for a policy with a $2,000 deductible is with:
- Travelers: $876 per year on average
- ASI: $907 per year on average
The Cheapest Companies in Santa Rosa for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Santa Rosa if You Have Poor Credit
California state regulations forbid insurers from charging higher rates to people with poor credit. That means insurance companies don’t take into account your credit score when calculating your home insurance premium in Santa Rosa.
Getting Online Homeowners Insurance Quotes in Santa Rosa
If you want to get a quote for homeowners insurance in Santa Rosa online, you need to prepare the following information.
- The replacement cost of your home: That is the amount it takes to rebuild a home if it gets damaged. Your home’s replacement cost determines your dwelling coverage limits. You should hire a building contractor or construction professional to get an accurate estimate.
- The value of your personal property: The value of your personal items determines personal property coverage limits.
- Personal information: You must submit personal information, such as your address, the number of people in your household and your insurance history.
- Home specifications: Insurers do ask for information about your home, including when it was built, how big it is and any installed safety devices.
Homeowners Insurance in Santa Rosa Analysis: Methodology
MoneyGeek analyzed home insurance premiums from 13 companies in Santa Rosa. Data used was provided in partnership with Quadrant. Meanwhile, quotes were collected for a home with varying coverage levels to calculate affordability scores, and the customer satisfaction ratings were drawn from J.D. Power surveys.
The base profile used was an average homeowner in Santa Rosa with a 2,500-square-foot home built in 2000, dwelling coverage of $500,000, personal property coverage of $200,000 and liability coverage of $100,000. All policies have a deductible of $1,000.
Quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage and higher deductibles.
About Mark Fitzpatrick