Home insurance in Sacramento tends to be lower than in many other California cities. The average annual cost for $300,000 in dwelling coverage with a $1,000 deductible is $1,162 in Sacramento and $1,965 in California.

Sacramento homeowners may benefit from lower average premiums because the city is more inland than other major cities in the state and doesn’t have the same coastal flooding risk. The city also has a lower risk of wildfire than some other California cities.

Here’s what you need to know to find the best home insurance in Sacramento.

Best home insurance companies in Sacramento

You have a number of home insurance companies to choose from in the Sacramento area. The best home insurance company for your property will depend on your unique needs and budget as a homeowner.

Best company for low premiums: Allstate

Best company for customer service: Chubb

Best company for military members and their families: USAA

Cheapest home insurance companies in Sacramento

Allstate is the cheapest home insurance company in Sacramento, with average premiums that are hundreds of dollars less than other insurers. Mercury, Armed Forces Insurance, and CSE also offer among the city’s lowest premiums.

Below, you can see average home insurance premiums from companies in Sacramento.

How much is home insurance in Sacramento?

Home insurance premiums vary by ZIP code and other factors, like your credit history, how much coverage you choose, your deductible, and more.

The average Sacramento homeowner pays $1,662 annually for a $300,000 policy with a $1,000 deductible. Homeowners with a lower deductible of $500 pay $1,733 per year for home insurance.

Cost of home insurance by dwelling coverage in California

The more insurance coverage you need for your home, the more your policy is going to cost you. Your mortgage lender will typically require you to insure your home for at least its full replacement cost. You may need additional coverages depending on your unique home.

See below for how average premiums break down by dwelling coverage amount.

Cost of homeowners insurance by deductible amount

Home insurance policies have a deductible, which is the portion of a claim you’re responsible for before your insurer will step in and pay the rest. Policies with higher deductibles typically come with lower premiums, while low-deductible policies have higher premiums.

Below, you can see how premiums vary by deductible amount.

Average cost of home insurance in other cities in California

Different cities, neighborhoods, and ZIP codes have varying levels of risk. For example, one may have a higher crime rate than another, or certain ZIP codes may have higher wildfire or earthquake risk. This causes home insurance premiums to vary by location, too.

Fortunately, Sacramento has pretty affordable insurance rates compared to other California cities. Compare average rates by California cities below. The average annual premiums reflect costs for home insurance policies with $300,000 in dwelling coverage and a $1,000 deductible.

What to know about owning a home in Sacramento

Homeownership is a little different everywhere. Sacramento has a high average home value, at around $530,400, and a fairly elevated risk of earthquakes.2 This can make insuring a home riskier for companies and increase premiums.

Remember that standard homeowners policies typically exclude perils like floods, earthquakes, and wildfires. You may want to buy additional coverage to protect your home from these events.3

For earthquake coverage, you can get a California Earthquake Authority policy through approved insurance companies. Similarly, you can buy a flood insurance policy through the National Flood Insurance Program with an approved insurer. Some private insurance companies provide flood coverage as well. You may want to compare insurance quotes from both to ensure you’re getting the most coverage at the lowest cost.

Sacramento home insurance FAQs