Updated: November 29, 2024
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In Modesto, California, Allstate is the overall best and most affordable home insurance provider. If you prioritize customer service, Chubb is a good option.
These companies cater to different needs, so we recommend choosing a provider based on what is important to you. Selecting the best cheap home insurance depends on factors like cost, coverage and customer service.
Best HomeInsuranceModesto, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services. This helps us find the best homeowners insurance in Modesto.
As of September 2024, the rates for home insurance in Modesto represent the most competitive quotes available.
Allstate is the best option in Modesto, California, for home insurance with 100K dwelling coverage, achieving a MoneyGeek score of 83 out of 100. The scores for home insurance companies in Modesto, California, range from 44 to 83. These figures reflect MoneyGeek's scoring system, where different factors like credit history and the age of your home can affect ratings.
| Allstate | 83 | $311 |
| Chubb | 76 | $585 |
| Travelers | 74 | $502 |
| Farmers | 74 | $434 |
| State Farm | 62 | $677 |
| Nationwide | 54 | $751 |
| Capital Insurance Group | 44 | $618 |
Allstate is the best option in Modesto, California, for 100K dwelling coverage. The two best overall home insurance companies in Modesto for $100K dwelling coverage are:
Allstate stands out as the best home insurance provider for affordability and a strong customer satisfaction record. Although affordability plays a major role, factors like response time and customer service also matter when you need to make claims. Factors such as service quality and customer support can make a significant difference in your insurance experience.
Allstate scores high on affordability and coverage, making it a top choice for home insurance. It offers comprehensive coverage with options like cyber event protection and back-up of sewer or drain. You can save with discounts like bundle, which offers up to 25% off when you combine home and auto policies.
Allstate provides useful coverages for homeowners. Cyber event protection helps if your identity is stolen. Back-up of sewer or drain covers water damage from broken pumps. Home business property increases limits for business items at home. These coverages offer peace of mind for various situations.
Chubb is the best option for home insurance in Modesto, California, with the best customer service for 100K dwelling coverage. Here are the top two providers for $100K dwelling coverage:
Chubb stands out because of its high customer satisfaction and comprehensive coverage score. These factors contribute significantly to its top MoneyGeek score. Excellent service in home insurance means promptly addressing claims and providing clear assistance when you need it.
Chubb is known for its high MoneyGeek Score, thanks to its great customer satisfaction and coverage. It offers comprehensive home insurance with Guaranteed Replacement Cost and Building Ordinance or Law coverages. You can also save with discounts like protective device and new home. For example, you get a discount if your home is 10 years old or less.
Chubb offers useful coverages like Guaranteed Replacement Cost, which helps rebuild your home even if costs exceed your policy limit. Building Ordinance or Law coverage pays to bring damaged areas up to current codes. Cash Settlement allows you to receive a cash payout if you choose not to rebuild after a total loss.
Allstate is the best cheap home insurance provider in Modesto, California, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out due to its high scores in customer satisfaction and affordability. Opting for cheap home insurance often means choosing lower coverage limits. While this is gentle on your budget, it might not be enough in a serious situation. In situations where saving on premiums is crucial, exploring the cheapest homeowner insurance companies can be helpful.
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 scores high in affordability and customer satisfaction, making it a top choice for home insurance. It offers rare coverages like cyber event/ID theft and home business property. You can save with discounts like bundle and responsible payment. Bundle lets you save by combining home and auto insurance.
Allstate provides useful coverages like back-up of sewer or drain, which helps if your drain backs up. The energy efficiency upgrade coverage helps replace damaged items with energy-efficient ones. Yard and garden coverage increases limits for items like trees and landscaping. These options make Allstate a smart choice for homeowners.
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Rates updated:
Dec 23, 2024
Homeowners insurance in Modesto is influenced by several factors, with location being a key one. Comparing insurance rates is a great way to save, but it could take over an hour to compare three or more companies. Use MoneyGeek's home insurance calculator to save time. Enter your age, coverage, credit score, deductible, liability, and more for quick rate estimates.
Allstate is the best option for homeowners insurance in Modesto, California. The main factor affecting home insurance rates is the dwelling coverage amount you select. Here are the cheapest options:
Allstate stands out for its low cost, offering both affordability and a high score. Whether you're looking for broader coverage at 250K or 500K, Allstate remains a top choice with competitive pricing. Opting for the cheapest homeowners insurance in California can ease financial management.
| Allstate | $311 |
| Farmers | $434 |
| Travelers | $502 |
| Chubb | $585 |
| Capital Insurance Group | $618 |
| State Farm | $677 |
| Nationwide | $751 |
Allstate is the best option in Modesto, CA for high value homes with a dwelling coverage of $750K at $1,527 annually. High dwelling coverage is important because it covers homes that cost more to replace, and home insurance costs tend to increase as the coverage amount rises.
Allstate offers the most affordable rates in Modesto. It may be the best or not depending on various factors.
| Allstate | $1,527 |
| Travelers | $2,391 |
| Capital Insurance Group | $2,592 |
| State Farm | $3,302 |
| Chubb | $3,304 |
| Nationwide | $3,789 |
| Farmers | $3,806 |
Farmers is the cheapest option for new homes in Modesto, California, for a $100K dwelling coverage.
Farmers stands out as the most affordable choice for new homes based on cost in Modesto, California. While it is not the highest-ranked company, its low cost may appeal to those seeking budget options.
| Farmers | $205 |
| Allstate | $246 |
| Travelers | $285 |
| Nationwide | $312 |
| State Farm | $338 |
| Capital Insurance Group | $402 |
| Chubb | $480 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in Modesto for you depends on your needs. Consider factors like coverage options and provider reputation. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider the specifics of your property in Modesto, California. Take into account rebuilding costs, personal property value and liability coverage.
Research insurance providers serving Modesto, California. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you understand your coverage needs, compare home insurance quotes. In Modesto, California, premiums for $100K dwelling coverage can range from $311 to $677 annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features or maintaining a claims-free record.
Choosing a higher home insurance deductible can lower your premium, but ensure it's an amount you can afford in case of a claim.
Installing security systems and strong locks can reduce your home's risk profile and potentially decrease insurance costs.
Keep a good credit score as it can affect your insurance rates in Modesto, California. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance. This can lead to substantial discounts and savings.
The best cheap home insurance provider for you in Modesto depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Modesto, California.
The average cost of home insurance in Modesto, California is $438.
Allstate offers the cheapest home insurance in Modesto, California with an annual premium of $311.
The best home insurance in California for Modesto 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.
