Gavop's guide to buying homeowners insurance in Butte County, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $84,000 | $80,000 | $50,000-$75,000 |
| 2 Bedroom | $225,500 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $188,500 | $170,000 | $200,000-$250,000 |
| 4 Bedroom | $348,500 | $280,000 | $400,000-$500,000 |
| 5 Bedroom | $369,500 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $586 |
| Superior Protection Discount | -$68 | $613 |
| Fire & Security Discount | -$54 | $626 |
| Hail Resistant Roof Discount | -$14 | $667 |
| Newly Constructed Home Discount | -$184 | $497 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Butte County | $2,500 | $673 | $3,173 | $489 | $2,989 | $184 |
| Butte County, CA | $700 | $673 | $1,373 | $489 | $1,189 | $184 |
| Yankee Hill, CA | $500 | $572 | $1,072 | $416 | $916 | $156 |
| Oroville, CA | $2,500 | $1,309 | $3,809 | $951 | $3,451 | $358 |
| Yuba County, CA | $200 | $633 | $833 | $460 | $660 | $173 |
| Tehama, CA | $1,500 | $587 | $2,087 | $426 | $1,926 | $160 |
| Proberta, CA | $100 | $495 | $595 | $360 | $460 | $135 |
| Nevada City, CA | $2,500 | $783 | $3,283 | $569 | $3,069 | $214 |
| Wheatland, CA | $400 | $702 | $1,102 | $510 | $910 | $192 |
| Tehama County, CA | $1,500 | $613 | $2,113 | $446 | $1,946 | $168 |
| Alta Sierra, CA | $200 | $752 | $952 | $546 | $746 | $205 |
| Home Insurance Company Butte County, CA | Homeowners Insurance Agency Butte County, CA | Address | Popularity Score | Distance from Butte County (miles) |
|---|---|---|---|---|
| State Farm | Hector Garnica | 221 Walker St, Orland, CA, 95963-1450 | 32.0 | |
| Allstate | Gary Ott | 2227 Myers St Ste C, Oroville, CA, 95966 | 11.3 | |
| Travelers | Sanchez Insurance Services Inc | 440 Palora Ave N Ste A, Yuba City, CA, 95991 | 37.1 | |
| State Farm | Chuck Hemmert | 520 Brunswick Rd, Grass Valley, CA, 95945-9392 | 42.8 | |
| State Farm | Tim Pignataro | 2760 Esplanade Ste 140, Chico, CA, 95973-1117 | 15.4 | |
| Travelers | Rhio Nelson Insurance Agency Inc | 2615 Forest Ave Ste 130, Chico, CA, 95928 | 10.8 | |
| Farmers | Mark Ristine | 1751 Oro Dam Blvd E Ste 6, Oroville, CA, 95966 | 11.5 | |
| State Farm | Bruce Karolyi | 2295 Feather Riv Blvd Ste C, Oroville, CA, 95965-5744 | 11.6 | |
| Travelers | Bill Edick Insurance Agency | 1425 A Butte House Rd, Yuba City, CA, 95993 | 35.9 | |
| State Farm | Chuck Jones | 961 Live Oak Blvd Ste B, Yuba City, CA, 95991-4029 | 36.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Butte County, CA | $238,200 | $681 | $500 | $930 | $430 |
| Butte County, CA | $238,200 | $681 | $500 | $930 | $430 |
| Yankee Hill, CA | $146,200 | $579 | $430 | $790 | $360 |
| Oroville, CA | $165,400 | $1,325 | $980 | $1,800 | $820 |
| Yuba County, CA | $207,100 | $640 | $470 | $870 | $400 |
| Tehama, CA | $156,900 | $594 | $440 | $810 | $370 |
| Proberta, CA | $98,700 | $501 | $370 | $680 | $310 |
| Nevada City, CA | $405,700 | $793 | $590 | $1,080 | $490 |
| Wheatland, CA | $244,200 | $711 | $530 | $970 | $440 |
| Tehama County, CA | $191,400 | $621 | $460 | $840 | $380 |
| Alta Sierra, CA | $343,800 | $761 | $560 | $1,040 | $480 |