Gavop's guide to buying homeowners insurance in Diamond Springs, 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 | $71,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $130,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $203,000 | $160,000 | $200,000-$250,000 |
| 4 Bedroom | $242,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $317,000 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $553 |
| Superior Protection Discount | -$67 | $607 |
| Fire & Security Discount | -$74 | $600 |
| Hail Resistant Roof Discount | -$20 | $654 |
| Newly Constructed Home Discount | -$142 | $533 |
| 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 |
| El Dorado County | $2,500 | $1,025 | $3,525 | $745 | $3,245 | $280 |
| Diamond Springs, CA | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| Sutter Creek, CA | $2,500 | $889 | $3,389 | $646 | $3,146 | $243 |
| North Auburn, CA | $300 | $815 | $1,115 | $592 | $892 | $223 |
| Placer County, CA | $1,500 | $1,054 | $2,554 | $766 | $2,266 | $288 |
| Arden-Arcade, CA | $200 | $730 | $930 | $531 | $731 | $200 |
| Dogtown, CA | $1,000 | $1,423 | $2,423 | $1,034 | $2,034 | $389 |
| Lake Wildwood, CA | $1,500 | $758 | $2,258 | $551 | $2,051 | $207 |
| Olivehurst, CA | $400 | $614 | $1,014 | $446 | $846 | $168 |
| Robbins, CA | $2,500 | $626 | $3,126 | $455 | $2,955 | $171 |
| Home Insurance Company Diamond Springs, CA | Homeowners Insurance Agency Diamond Springs, CA | Address | Popularity Score | Distance from Diamond Springs (miles) |
|---|---|---|---|---|
| State Farm | Kyle Middleton | 1835 Iron Point Rd Ste 100, Folsom, CA, 95630-8771 | 17.0 | |
| Farmers | David Bolce | 801 Riverside Ave Ste 206, Roseville, CA, 95678 | 24.7 | |
| Travelers | T D Mcneil Insurance Services | 1568 Creekside Dr Ste 106, Folsom, CA, 95630 | 17.1 | |
| Farmers | Brendan Mohr | 187 Blue Ravine Rd Ste 130, Folsom, CA, 95630 | 18.9 | |
| Nationwide | Slobodyany Insurance Agency | 5301 Madison Ave Ste 204, Sacramento, CA, 95841 | 27.4 | |
| Travelers | Seeley Insurance Services | 10988 Combie Rd Suite 101, Auburn, CA, 95602 | 27.2 | |
| Farmers | Kimberly Miles | 187 Blue Ravine Rd Ste 130, Folsom, CA, 95630 | 18.9 | |
| State Farm | Norman Lamarr | 5030 Laguna Blvd Ste 106, Elk Grove, CA, 95758-4149 | 37.9 | |
| Travelers | Paragon Insurance Services | 301 Natoma St Ste 104, Folsom, CA, 95630 | 18.0 | |
| Travelers | Barragan Insurance Agency | 90 Blue Ravine Rd Ste 74, Folsom, CA, 95630 | 19.2 |
| 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 |
| El Dorado County, CA | $405,900 | $1,038 | $770 | $1,410 | $640 |
| Diamond Springs, CA | $254,300 | $674 | $500 | $920 | $420 |
| Sutter Creek, CA | $341,700 | $900 | $670 | $1,220 | $550 |
| North Auburn, CA | $310,100 | $825 | $610 | $1,120 | $510 |
| Placer County, CA | $413,300 | $1,067 | $790 | $1,450 | $660 |
| Arden-Arcade, CA | $333,900 | $739 | $550 | $1,010 | $460 |
| Dogtown, CA | $469,600 | $1,440 | $1,070 | $1,960 | $890 |
| Lake Wildwood, CA | $346,200 | $767 | $570 | $1,040 | $470 |
| Olivehurst, CA | $212,700 | $621 | $460 | $840 | $380 |
| Robbins, CA | $186,300 | $634 | $470 | $860 | $390 |