Updated: November 26, 2024
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In Santa Rosa, California, Farmers is the best and cheapest home insurance company overall. However, if customer service is your priority, Chubb is the top option.
These companies cater to different needs, so choose a provider based on what matters to you, like price, coverage or service quality.
Best HomeInsuranceSanta Rosa, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Santa Rosa.
Home insurance premiums in Santa Rosa mirror the most competitive estimates as of September 2024.
Farmers is the best home insurance option for 100K dwelling coverage in Santa Rosa, CA, with a MoneyGeek score of 85 out of 100.
Home insurance companies in Santa Rosa have scores ranging from 49 to 85, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Farmers | 85 | $299 |
| Allstate | 82 | $306 |
| Travelers | 81 | $381 |
| Chubb | 67 | $591 |
| Nationwide | 56 | $614 |
| State Farm | 55 | $631 |
| Capital Insurance Group | 49 | $491 |
Farmers is the best home insurance company in Santa Rosa, CA, for $100K dwelling coverage due to its affordability and high customer satisfaction. The overall top providers are:
While cost is crucial, consider other factors like customer service and claims processes, which are important when making claims.
Farmers stands out for its high affordability and customer satisfaction scores. Discounts, like the nonsmoker discount for households smoke-free for two years, help reduce premiums.
Farmers offers comprehensive home insurance with add-ons like matching siding coverage and a waiver of deductibles for glass damage. Key coverages include backup of sewer or drain, which covers water damage repairs, guaranteed replacement cost for exceeding policy limits, and cyber event/ID theft, which reimburses identity restoration expenses.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Santa Rosa, CA. The top providers in this category are:
Chubb excels with high customer satisfaction and competitive annual costs, offering reliable service at a great price. Exceptional home insurance service means prompt support and effective problem-solving.
Chubb scores highly on MoneyGeek for its strong customer satisfaction and coverages. It provides comprehensive home insurance, including guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated codes. Cash settlement offers a payout option if you choose not to rebuild after a total loss.
Protective device and new home discounts help reduce premiums. Installing security systems or owning a newer home makes you eligible for these savings.
Farmers is the best cheap home insurance company in Santa Rosa, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
Choosing the cheapest homeowner insurance may save money but often comes with lower coverage, potentially leaving you underinsured after an accident. The best cheap insurance providers, like Farmers, balance cost with excellent customer service.
Farmers is the best cheap option due to its affordability and customer satisfaction. Nonsmoker and affinity discounts help lower premiums; the former applies if your household is smoke-free for two years.
Farmers offers comprehensive coverage, including scheduled personal property and backup of sewer or drain. Key options include guaranteed replacement cost for extra repair expenses, cyber event/ID theft for identity restoration, and matching siding coverage to ensure repairs match your home's look.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
In Santa Rosa, many factors influence homeowners insurance, with location as a key one. Comparing different companies' rates saves money, though it might take over an hour since each takes about 15 minutes. Use MoneyGeek's home insurance calculator to save time by targeting crucial factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and more for a rate estimate.
Farmers offers the lowest home insurance rates in Santa Rosa, CA. Here are the cheapest overall providers:
A critical factor in home insurance premiums is the dwelling coverage selected. Farmers is the most affordable option for $100K coverage. However, Allstate offers the most cost-effective options for $250K and $500K coverages. While Farmers has a higher MoneyGeek score overall, Allstate provides better value for higher coverage amounts.
Opting for cheapest homeowners insurance in California can assist with financial planning.
| Farmers | $299 |
| Allstate | $306 |
| Travelers | $381 |
| Capital Insurance Group | $490 |
| Chubb | $591 |
| Nationwide | $614 |
| State Farm | $631 |
Allstate is the cheapest option for high-value home insurance in Santa Rosa, CA. Properties that cost more to replace need high dwelling coverage, which raises home insurance costs.
While Allstate is the cheapest, it might not be the best choice based on criteria other than cost.
| Allstate | $1,532 |
| Travelers | $1,794 |
| Capital Insurance Group | $2,058 |
| Farmers | $2,526 |
| Nationwide | $3,046 |
| State Farm | $3,084 |
| Chubb | $3,319 |
Farmers offers the cheapest insurance in Santa Rosa, CA, for new homes needing $100K and $250K in dwelling coverages.
While Farmers is the most affordable, it may not rank highest on other criteria compared to competitors. Ensure that you're adequately covered for any unforeseen events that affect your home.
| Farmers | $143 |
| Travelers | $208 |
| Allstate | $240 |
| Nationwide | $262 |
| State Farm | $315 |
| Capital Insurance Group | $320 |
| Chubb | $484 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To figure out how much home insurance coverage you need, consider your home's rebuilding costs, your personal property value and your liability needs.
Look for insurance companies operating in Santa Rosa, CA. Prioritize those with strong financial stability, positive customer reviews and a history of quality service.
Once you know your coverage needs, compare home insurance quotes. In Santa Rosa, CA, average annual premiums for $100K dwelling coverage range from $299 to $631.
Inquire with each provider about discounts. These might include savings for bundling policies, installing safety devices or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can manage if you need to file a claim.
Strengthening your home's security with systems and sturdy locks can lower its risk profile, possibly reducing your insurance costs.
Keep a solid credit score, as it can influence your rates. Pay bills promptly and minimize outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance, to take advantage of discounts and save money.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Santa Rosa, CA.
The average annual home insurance cost in Santa Rosa, California, is $376.
The cheapest home insurance company in Santa Rosa, California, is Farmers, with an annual premium of $299.
Farmers provides the best home insurance in California for Santa Rosa residents, with a MoneyGeek score of 85 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.
