besthome insuranceStocktonThe Best Cheap Homeowners Insurance in Stockton, California for 2024: Quotes and Reviews
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besthome insuranceStocktonThe Cheapest and Best Homeowners Insurance in Stockton
The Cheapest Home Insurance Companies in Stockton
Cost can be an essential consideration when picking a policy, as most insurance providers in Stockton offer similar core coverages.
Based on MoneyGeek’s study, the cheapest homeowners insurance for a standard policy with $500,000 dwelling coverage limits in Stockton are:
- Allstate: $1,152 per year
- ASI: $1.370 per year
Dwelling coverage limits affect the cost of home insurance in Stockton. For policies with $2,000,000 dwelling coverage limits, the cheapest options in Stockton are:
- ASI: $3,866 per year
- AAA: $4,490 per year
Use the table below to see how prices change as you adjust the dwelling coverage limits.
The Cheapest Home Insurance in Stockton, Ranked
Dwelling Coverage:
$500,000
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The policies with the initial baseline dwelling coverage have personal property limits of $200,000 and those with dwelling coverage of $2,000,000 have personal property limits of $800,000. The liability coverage limit for all policies is $100,000.
Homeowners living outside of Stockton but within the state can look up home insurance in California.
The Average Cost of Homeowners Insurance in Stockton for 2021
Stockton$1,908
California$2,002
U.S.$2,103
Homeowners insurance in Stockton costs an average of $1,908 per year, cheaper than the state and national averages. In comparison, the city average is $49 more affordable than the state annual average of $2,003. Stockton homeowners also typically pay $195 less than the $2,103 national average cost of home insurance.
Calculate the Cost of Home Insurance in Stockton
Where you live affects the cost of your homeowner’s insurance. But insurance providers also use other determining factors, including dwelling coverage limits, personal property coverage limits and further relevant details, when calculating homeowners insurance quotes in Stockton. Use MoneyGeek’s home insurance calculator to compare quotes in your state.
Home Insurance Calculator
State
California
Dwelling Coverage
$500,000
Deductible
$500
Liability
$300,000
Personal Property
$100,000
low end
on average
high end
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Stockton
Affordability is an important factor to consider when choosing a policy. However, the best homeowners insurance in Stockton balances affordability and quality. Filing claims are made during stressful times, so choose an insurer with good customer service that can quickly and fairly process claims and is financially stable enough to pay you out when you need it.
Based on MoneyGeek’s analysis, the best home insurance in Stockton are:
- Best Overall: USAA (Only available to current and former military members and their families)
- Runner-up: Allstate
MoneyGeek’s scoring system is based on affordability, user satisfaction and financial stability.
1
USAA
Score:96
What makes USAA stand out is its unique features. For instance, even though earthquake damage is not often covered, USAA allows Stockton homeowners to add it to their home insurance policy. Additionally, the company offers various discounts to policyholders like homeowners who remain claims-free and those with protective security systems.
More About USAA
USAA is the best homeowners insurance provider in Stockton. It gained high ratings across all categories, including a perfect score in customer satisfaction. Unfortunately, USAA policies are only available to current and former military members or their families.
2
Allstate
Score:93
Allstate offers a Claim Rateguard feature. With this, policyholders can make sure their rates will not go up because of a claim. In addition, if you remain claim-free, Allstate may give you a significant discount. This also applies to those who are switching from another insurer. Every year you stay claim-free, your deductible will decline by $100 and may reach a maximum of $500 decrease.
More About Allstate
In second place is Allstate, which also got high ratings across categories. It gained a perfect score in affordability. Allstate is also the top pick for Stockton residents not qualified for USAA.
3
State Farm
Score:92
4
The Hartford
Score:90
5
Travelers
Score:90
6
Nationwide
Score:90
7
ASI
Score:88
8
MetLife
Score:85
9
AAA
Score:81
10
AIG
Score:81
11
Chubb
Score:81
12
Universal North America
Score:76
13
Farmers
Score:74
Cheapest Home Insurance Companies in Stockton for Newly Constructed Homes
Generally, newly constructed homes in Stockton are cheaper to insure. Modern materials are more resistant to damage, so homeowners are less likely to file a claim. Additionally, newer materials are easier to replace. The average rate of insurance for a newly built home in Stockton is $1,455 per year. The cost for houses built in 2000 is $1,908 on average.
The most affordable companies for Stockton homeowners with newly built houses are:
- ASI: $856 per year
- Travelers: $989 per year
The Cheapest Home Insurance in Stockton for New Homes, Ranked
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Cheapest Home Insurance Companies in Stockton if You Have a Lot of Personal Property
Damages to personal property that you keep in the insured home are also covered by home insurance in Stockton. Therefore, you can opt for higher personal property coverage limits, but you will be paying higher premiums. For a standard policy with $500,000 in personal property coverage limits, the average rate is $2,167 per year. A similar policy with only $200,000 in personal property coverage limits, in contrast, costs an average of $1,908 per year.
The most affordable home insurance in Stockton for a policy with high personal property limits are from:
- Allstate: $1,195 per year
- ASI: $1,489 per year
Cheap Companies in Stockton for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Stockton for High Deductibles
Your deductible will also affect the cost of your home insurance in Stockton. Choosing to have higher deductibles will lead to cheaper home insurance quotes in Stockton, but you will be paying more out-of-pocket if you file a claim. For example, the average cost of a standard policy with a $1,000 deductible in Stockton is $1,908 per year. A similar policy will cost an average of $1,643 per year if the deductible is $2,000.
The cheapest companies for home insurance with high deductibles in Stockton are:
- Allstate: $1,081 per year
- ASI: $1,239 per year
The Cheapest Companies in Stockton for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Stockton if You Have Poor Credit
California state regulations prohibit insurance carriers from charging higher rates for homeowners with bad credit. That means your credit score will not affect the cost of your homeowner’s insurance in Stockton.
Getting Online Homeowners Insurance Quotes in Stockton
Most insurers in Stockton allow homeowners to get insurance quotes online. But there are some pieces of information you need to have available to get a quote:
- Home Replacement Cost – This is not the same as the market value of your home. Home replacement cost refers to how much it will take to rebuild your home. It determines your dwelling coverage limits.
- Personal Property Value – This refers to personal belongings you keep at home. The value of covered items will be the basis of your property coverage limits.
- Personal Information – You need to provide personal information to the carrier. These include your address, how many people live in the house, insurance history and other relevant details.
- Details about the House – You may need to disclose information about your house, such as when it was built, how big it is and if there is a security system in place.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Homeowners Insurance in Stockton Analysis: Methodology
For this analysis, MoneyGeek evaluated home insurance premiums from 13 companies in Stockton. Data was provided in partnership with Quadrants. For the affordability scores, MoneyGeek used quotes for varying coverage levels. In addition, J.D. Power surveys were used for customer service satisfaction ratings. Quotes were also collected for Stockton homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores.
The base profile used in this study is a 2,500-square-foot home built in 2000. The insurance policy has dwelling coverage of $500,000, personal property coverage of $200,000 and liability coverage of $100,000. Deductible for these policies is $1,000.
About Mark Fitzpatrick
