Updated: November 26, 2024
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In Stockton, California, Allstate 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 location, property value and preferred coverage.
Best HomeInsuranceStockton, 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 Stockton.
Home insurance rates in Stockton represent the most competitive quotations as of September 2024.
Allstate is the best home insurance option for 100K dwelling coverage in Stockton, CA, with a MoneyGeek score of 83 out of 100.
Home insurance companies in Stockton have scores ranging from 48 to 83, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Allstate | 83 | $335 |
| Chubb | 79 | $554 |
| Travelers | 69 | $566 |
| State Farm | 66 | $623 |
| Nationwide | 63 | $639 |
| Capital Insurance Group | 48 | $582 |
| Farmers | 48 | $745 |
Allstate is the best home insurance company in Stockton, 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 service and claims handling, which can impact your overall experience when making a claim.
Allstate stands out for its affordability and customer satisfaction. Homeowners can save with bundle and responsible payment discounts, which reward a good payment history.
It offers comprehensive coverage, including cyber event/ID theft, which helps recover lost data and covers legal fees in case of identity theft, and backup of sewer or drain, which covers water damage from drain issues. Home business property coverage increases limits for business items at home.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Stockton, CA. The top providers in this category are:
Chubb has a balance of customer satisfaction and comprehensive coverage. Excellent service in home insurance involves attentive support and clear communication with policyholders.
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.
You can save with discounts like new home (for properties 10 years or less) and home renovation (for renovations within the last six years).
Allstate is the best cheap home insurance company in Stockton, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
Opting for cheap home insurance often means reduced coverage, which can save money but might not suffice in case of mishaps. If saving on premiums is your goal, explore the cheapest homeowner insurance companies.
The best cheap providers, like Allstate, balance affordability with quality service, unlike the most affordable options that may focus solely on price.
Allstate is the best cheap company with high affordability and satisfaction scores. You can save with discounts like bundle (up to 25% by combining home and auto policies) and responsible payment.
Allstate offers coverages for protecting your home and belongings, such as cyber event/ID theft, which helps pay for recovery costs if your identity is stolen, and backup of sewer or drain, which covers water damage from drains.
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
Many factors affect homeowners insurance in Stockton, and location is one of them. Comparing rates is the best way to save, but it can take over an hour to check three or more companies, each taking about 15 minutes. MoneyGeek's home insurance calculator helps you save time by focusing on critical factors. Enter age, coverage, credit score, deductible and more for a rate estimate.
Allstate offers the lowest home insurance rates in Stockton, CA. Here are the cheapest overall providers:
The primary factor affecting home insurance costs is the dwelling coverage you select. Allstate is the most affordable for $100K, $250K and $500K coverages in Stockton, offering great value with a MoneyGeek score of 91 out of 100.
Explore the cheapest homeowners insurance in California for an easier way to keep your home protected without breaking the bank.
| Allstate | $335 |
| Chubb | $554 |
| Travelers | $566 |
| Capital Insurance Group | $582 |
| State Farm | $623 |
| Nationwide | $639 |
| Farmers | $745 |
Allstate is the cheapest option for high-value home insurance in Stockton, CA. High dwelling coverage is needed for homes costing more to replace, impacting home insurance costs.
While Allstate is the cheapest, it might not necessarily be the top-rated in other aspects.
| Allstate | $1,646 |
| Capital Insurance Group | $2,438 |
| Travelers | $2,772 |
| State Farm | $3,033 |
| Chubb | $3,068 |
| Nationwide | $3,219 |
| Farmers | $6,338 |
Allstate offers the cheapest insurance in Stockton, CA, for new homes needing $100K and $500K in dwelling coverages.
Although Allstate is the cheapest, it may not offer the best homeowner experience. Ensure that you're adequately covered for any unforeseen events that affect your home.
| Allstate | $265 |
| Nationwide | $267 |
| Travelers | $304 |
| State Farm | $311 |
| Farmers | $350 |
| Capital Insurance Group | $379 |
| Chubb | $455 |
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 determine how much home insurance coverage you need, consider your home's rebuilding costs, your personal property value and your liability needs.
Research insurance companies in Stockton, CA. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you know what coverages you need, compare home insurance quotes. In Stockton, CA, average annual premiums for $100K dwelling coverage range from $335 to $745.
Inquire with each provider about discounts. These might include savings for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can lower your premium. However, ensure it's an amount you can afford if you need to make a claim.
Adding security systems and strong locks can lower your home's risk profile and may reduce insurance costs.
Keep a good credit score, as it can affect your insurance rates. Ensure timely bill payments and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance, to receive 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 Stockton, CA.
Stockton, California's average annual home insurance cost is $454.
The cheapest home insurance company in Stockton, California, is Allstate, with an average annual premium of $335.
Allstate has the best home insurance in California for Stockton residents, 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.
