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The issues listed mainly affect Fair Oaks, California Home Insurance Rates & getting on top of them can keep your costs really cheap.

Replacement Value of your home in Fair Oaks, CA is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Fair Oaks, CA & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Fair Oaks 2 Beds, 1 Bath, 1480 sqft $218,000 $54
Coloma 2 Beds, 1 Bath, 1,080 sqft $180,000 $26
Diamond Springs 2 Beds, 1 Bath, 1,280 sqft $323,000 $65
Rough and Ready 2 Beds, 1 Bath, 920 sqft $173,000 $34
Alta 2 Beds, 1 Bath, 960 sqft $129,000 $20
Sacramento 2 Beds, 1 Bath, 1,100 sqft $153,000 $61
Linden 3 Beds, 1 Bath, 1,970 sqft $312,000 $35
Rio Vista 2 Beds, 1 Bath, 1,240 sqft $257,000 $75
West Point 4 Beds, 3 Baths, 2,410 sqft $366,000 $68
Back County 2 Beds, 1 Bath, 1,050 sqft $251,000 $30
Vineyard 4 Beds, 3 Baths, 1,730 sqft $317,000 $55
Penn Valley 2 Beds, 1 Bath, 1,420 sqft $242,000 $37
Carmichael 3 Beds, 2 Baths, 1,730 sqft $297,000 $56
College City 3 Beds, 2 Baths, 2,380 sqft $317,000 $84
Freeport 3 Beds, 1 Bath, 2,150 sqft $482,000 $101
Shingle Springs 3 Beds, 1 Bath, 1,810 sqft $355,000 $67
Smartsville 4 Beds, 3 Baths, 3,240 sqft $517,000 $157
Penryn 4 Beds, 2 Baths, 2,310 sqft $474,000 $54
El Dorado Hills 4 Beds, 3 Baths, 2,970 sqft $476,000 $57
West Sacramento 2 Beds, 1 Bath, 1,790 sqft $344,000 $123
Cold Springs 3 Beds, 1 Bath, 1,450 sqft $287,000 $41

If your Fair Oaks, CA home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Fair Oaks:

Claim Typical Claim Amount
WIND $5,000
FIRE $59,000
VANDALISM/MALICIOUS MISCHIEF $6,000

Your Fair Oaks, CA insurance agent (see examples below) can help with your claims.

  • Nationwide: Keith Jackson Insurance Agency Inc., 1000 melody ln ste 106, Roseville, CA, 95678 (916) 742-6995
  • Liberty Mutual Independent: John O. Bronson Co. Inc., 3636 american river dr ste 200, Sacramento, CA, 95864
  • Travelers: Pullo Samba, 1555 river park dr ste 207, Sacramento, CA, 95815 916-993-8571
  • Farmers: Ryan Deshong, 3400 bradshaw rd ste c, Sacramento, CA, 95827 (916) 636-0115
  • Liberty Mutual: Kelly Garland, 2450 venture oaks way suite 200, Sacramento, CA, 95833 1-916-649-1246

Your Background Impacts Your Home Insurance Quotes

Here is a list of Fair Oaks, CA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 700-749 Credit Score No Income More than 3 Pets at home, Non-Smoker $180
Freelancer 550-599 Credit Score $50 to $75,000 No Pets, Non-Smoker $170
Retired Up to 499 Credit Score $25 to 50,000 3 Pets, Smoker $60