Homeowners in Santa Rosa pay an average of $1,995 per year for home insurance with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. This rate aligns with California’s annual average of $1,965. What sets Santa Rosa apart isn’t the cost but the risk.

The city sits on three fault lines, yet standard home insurance doesn’t cover earthquakes.1 Wildfires are another threat.2 Although homeowners insurance typically covers wildfire damage, many insurers are leaving California’s struggling insurance market.3 This makes it essential to compare insurance quotes from several companies to find the best price.

Best home insurance companies in Santa Rosa

Understanding what home insurance covers is key for Santa Rosa homeowners to find a quality insurer. Keep in mind that your ideal home insurance policy type depends on your circumstances and coverage requirements.

Best company for wildfire coverage: USAA

Best company for Santa Rosa homeowners on a budget: Allstate

Best company for excellent service: Chubb

Cheapest home insurance in Santa Rosa

Allstate is the clear winner for the cheapest homeowners insurance on average in Santa Rosa. Still, you’ll find several affordable options in the area to protect your home. 

The table below shows the average annual premium for $300,000 in dwelling coverage with a $1,000 deductible.

How much is home insurance in Santa Rosa?

Santa Rosa homeowners typically pay around $1,995 per year for a policy with $300,000 in dwelling protection and a $1,000 deductible. Your actual home insurance bill can vary depending on your home’s construction type, how close you are to a fire station, and whether your home is in a Fire Hazard Severity Zone (FHSZ).6

Cost of home insurance by dwelling coverage in California

Dwelling coverage pays to rebuild your home if a covered peril damages or destroys it, and the higher your coverage, the higher your cost. Homeowners who own a modest Montgomery Village ranch-style home typically pay much less for insurance than people who live in a sprawling custom-built home in the Mayacama foothills.

Check out the table below for the annual average premiums for different coverage limits with a $1,000 deductible.

Cost of homeowners insurance by deductible amount

Your home insurance deductible is the amount you pay out of pocket before your insurance kicks in. If you choose a $500 deductible, you’ll pay less if you file a claim, but it’ll also bump up your premium. On the other hand, choosing a $1,000 deductible could mean slightly cheaper insurance rates but higher out-of-pocket costs when filing a claim.

The table below shows the difference in price between $300,000 dwelling policies with $500 and $1,000 deductibles.

Average cost of home insurance in other cities in California

The average cost of home insurance varies. Homeowners see very different insurance rates across California’s patchwork of microclimates and risk zones. Even different ZIP codes in the same city can have higher or lower insurance costs. The price gap is due mainly to wildfire risk, earthquake history, fluctuating property values, and local crime statistics.7

See rates in the table below for different cities in California with $300,000 in dwelling coverage and a $1,000 deductible.

What to know about owning a home in Santa Rosa

Along with the perks of living in wine country, buying a home in Santa Rosa comes with distinct challenges. The threat of wildfires can’t be overstated — 81% of all Santa Rosa properties are at risk of wildfire damage. 

Because of the growing wildfire problem, many insurers have raised prices, canceled or non-renewed policies, or quit doing business in California altogether. Many homeowners have turned to coverage through the California FAIR Plan when traditional insurers have declined to offer it.8

And while standard homeowners insurance covers wildfire damage, it excludes earthquake coverage, which requires a separate policy. Many California homeowners buy protection through the California Earthquake Authority.

Compare quotes from several insurers and ask questions about your policy if you live in a wildfire-prone area. The state’s Safer from Wildfires program offers rate reductions through simple home upgrades. These include installing vents that block burning embers from entering your home and clearing brush and flammable materials around your property.