How Can I Make My Modesto, CA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Modesto, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Modesto, CA Home Insurance Coverage Levels | Back to Top
| Modesto, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Shawntele Way, Devin Dr, Olivero Rd, Valera Dr, Los Gatos Way, Acacia St, Harlan Way, Fordham Ave, Fiesta Way, Albert Dr | $174,500 | $150,000 | $150,000-$175,000 | $108,000 | $100,000 | $100,000-$125,000 |
| Eloise Ave, Smokehouse Ave, Terrace Pl, Gladwin Ln, Holm Ave, Faith Home Rd, Muncy Dr, Alder Creek Dr, Freda Way, Vicki Ct | $121,500 | $100,000 | $100,000-$125,000 | $125,500 | $120,000 | $125,000-$150,000 |
| Riddle Ct, la Loma Ave, Buckingham Ct, Mary Ln, Hackett Rd, Sash Ct, Greenoaks Ln, Angelica Ct, Bowie Ave, Princeton Ave | $175,500 | $160,000 | $200,000-$250,000 | $137,500 | $120,000 | $150,000-$175,000 |
| Pinecrest Ln, Felkirk Way, Annapolis Ave, River Mesa Dr, Grimes Ave, Orchid Ct, Burgundy Ln, Sutter Ave, Gondring Rd, McGuire Ct | $209,000 | $190,000 | $200,000-$250,000 | $134,000 | $130,000 | $150,000-$175,000 |
| Nelda Way, Mamie Ln, Kathrine Ave, Colusa Ave, Mason Way, Kingswood Dr, N McClure Rd, Wales St, Potter Ave, Mamilane | $206,500 | $180,000 | $200,000-$250,000 | $169,500 | $150,000 | $150,000-$175,000 |
| Cordoba Ct, Olive Grove Ct, Hazelnut Dr, Nighthawk Way, Whitehorn Dr, Janeen Way, San Marco Dr, Arundel Cir, Lamarck Ave, el Vecino Ave | $208,500 | $180,000 | $200,000-$250,000 | $121,000 | $100,000 | $125,000-$150,000 |
| Baldwin St, Mayette Ave, Foote Rd, University Dr, Larisa Ln, Bavil Dr, Holcombe Way, Bromwich Way, Elmo Loop, Brooklyn Ct | $100,500 | $100,000 | $75,000-$100,000 | $112,500 | $100,000 | $100,000-$125,000 |
| Jane Way, Pacific Ave, Hilversum Ln, Havertown Pl, Beachwood Dr, Newgate St, Preservation Dr, Lourmarin Ct, Front Ct, Autumn Dr | $389,000 | $350,000 | $400,000-$500,000 | $176,500 | $150,000 | $150,000-$175,000 |
| Havasu Dr, Janopaul Ln, N Washington St, Tilton Pl, San Felipe Way, Virginia Ave, Sutter Ave, Maura Ct, Inland Ct, Whitethorn Dr | $195,500 | $160,000 | $200,000-$250,000 | $102,500 | $100,000 | $100,000-$125,000 |
| Academy Ave, Williamsburg Way, Sherwood Ct, Gomes Rd, Tuolumne Bend Ln, Northwood Heights Ln, Cape Cod Dr, Rebel Rd, Empire Ave, Kempas Ct | $164,500 | $140,000 | $175,000-$200,000 | $162,500 | $140,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Modesto, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $552 |
| Superior Protection Discount | -$60 | $606 |
| Fire & Security Discount | -$53 | $612 |
| Hail Resistant Roof Discount | -$20 | $645 |
| Newly Constructed Home Discount | -$193 | $472 |
Choose your Modesto, CA Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,513 |
| Hail Damage | $4,759 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $16,887 |
Identify Top Home Insurance Agents near Modesto, CA | Back to Top
| Home Insurance Company Modesto, CA | Homeowners Insurance Agency Modesto, CA | Address | Popularity Score | Distance from Modesto (miles) |
|---|---|---|---|---|
| State Farm | Lawrence Mui | 610 Main St Ste A, Pleasanton, CA, 94566-6640 | 49.7 | |
| Liberty Mutual Independent | Gene Morgan Insurance Agency | 2020 Fourth St, Livermore, CA, 94550 | 44.0 | |
| Farmers | Dean Uecker | 1444 W Main St Ste A, Ripon, CA, 95366 | 11.1 | |
| State Farm | Jimmy Harrington | 4625 1st St Ste 110, Pleasanton, CA, 94566-7368 | 49.7 | |
| Travelers | Truex Insurance Agency | 2291 W March Ln 100 A, Stockton, CA, 95207 | 30.5 | |
| Farmers | Jeremy Johnson | 460 N Yosemite Ave Ste 5, Oakdale, CA, 95361 | 10.5 | |
| State Farm | Terry Nguyen | 2411 Empire Ave Ste 108, Brentwood, CA, 94513-5301 | 46.9 | |
| Allstate | Richard Perry | 7895 N Pershing Ave, Stockton, CA, 95207 | 32.2 | |
| Farmers | Miguel Soto | 1820 P St, Merced, CA, 95340 | 35.7 | |
| State Farm | Jon Whited | 1600 Sunrise Ave., Modesto, CA, 95350 | 1.4 |
Compare Rates for Modesto, CA Home Insurance Providers | Back to Top
| 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 |
| Stanislaus County, CA | $244,100 | $689 | $510 | $940 | $430 |
| Modesto, CA | $226,700 | $665 | $490 | $900 | $410 |
| Westport, CA | $268,500 | $748 | $550 | $1,020 | $470 |
| Turlock, CA | $272,600 | $731 | $540 | $990 | $450 |
| Taft Mosswood, CA | $161,200 | $600 | $440 | $820 | $380 |
| Copperopolis, CA | $249,100 | $718 | $530 | $980 | $450 |
| Chinese Camp, CA | $331,600 | $875 | $650 | $1,190 | $540 |
| Santa Nella, CA | $218,500 | $675 | $500 | $920 | $420 |
| Clay, CA | $452,400 | $1,340 | $990 | $1,820 | $830 |
| Forest Meadows, CA | $341,700 | $900 | $670 | $1,220 | $550 |
| Mokelumne Hill, CA | $257,400 | $730 | $540 | $990 | $450 |
| East Foothills, CA | $767,700 | $1,148 | $850 | $1,560 | $710 |
Research Home Insurance Companies Reviews in Modesto, CA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: January 15, 2020 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
My home insurance is reasonably priced and they send me helpful hints. on a scale of 1 to 5, I would rate them a 4. I haven't had to file a claim yet, so I can't rate them a 5 because I don't know what will happen if I file a claim
Date: July 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
We got the cheapest policy compared to the other insurance companies out there for relatively all the same coverage but we opted for a high deductible to get a lower payment.
Date: March 01, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Premium is very high and deductible is also high. Although I havent called many places, I have looked online and found much better rates.
Date: February 26, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
The premium is reasonable, due to the size of all my coverage. The deductible could be lower, but it is as expected. It is the same as all others.
Date: December 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I have never had any other home insurance, but comparing prices with other companies showed me how great of rates that Allstate has. I really just chose my company based on the price, and it ended up working out great for me.
Date: October 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
They basically cover only the house structure and structures that are attached to the house, the deck, porch etc. They don't cover my garage.
Date: October 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Communication
I feel like they keep in touch with me, not too much, but not over bearing either. They send me things in the mail. And also via email.
Date: September 24, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Website/App
I like that the website has been created with an easy and simple user interface that is not overly complicated or trite. It is easily accessible and while I have not utilized the app, I find that the website is sufficient for its purposes.
Date: September 22, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
It took me 2 phone calls to get an overcharged statement corrected. They also said that I had not made payment and sent me a letter saying that my contract had been terminated for nonpayment, but they were wrong in that and reversed it.
Date: September 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The premium for All-State has been exceptional when compared to other companies for similar coverage options. We utilize the package deal and use All-State for all of our insurance purposes which has given us a fantastic deal, whereas it would be more costly to have a different company's insurance for the home.
Date: August 26, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I feel like it could be cheaper. I've never filed a claim, and typically just fix things myself. There should be a rewards program or loyalty program where if you don't file claims or need anything, the premium should be cheaper.
Date: August 15, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
I dislike the fact that when I initially signed up, there were some financial issues and it led to me being overcharged and when I tried to seek help via their website. it was hard to figure out how to rectify the situation. I ended up having to call them anyways.
Date: August 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
The communication has always been forefront and we have never been left waiting or wondering what is going on, should we file a claim. We trust in their transparency and thorough communication to guide us to make decisions that are best for our individual needs.
Date: July 26, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Myriad situations are covered under home insurance provided by All-State, natural disasters (lightning, hail, heavy wind), theft, vandalism, water damage that have resulted from plumbing issues.
Date: November 19, 2017 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
The customer service has always been excellent. We have built long withstanding friendship and report with those in the office who have come to know us as our family and understand our wants and needs. They always make us feel valued and special.
Liberty Mutual Home Insurance Reviews
Date: December 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
The offerings of my home insurance provider are equal to or greater than those of the competitors. I much prefer the company that I am using to any of the other companies operating in the marketplace.
Date: June 06, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Male
Customer Service
I've had limited interaction with my insurance company customer service. Typically, I have a question, I'll pick-up the phone and call the individual who sold me my policy.
Esurance Home Insurance Reviews
Date: November 22, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I had to contact esurance when my home was hit by a tornado. They were very calming, sympathetic, and made sure to get my family somewhere safe for the night.
St. Johns Insurance Company Home Insurance Reviews
Date: October 24, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Policy Offerings
My insurance covers the dwelling itself and the approximate valuation of our personal items. The policy is for more than the home is worth, so a total loss would be covered.
Safeco Insurance Home Insurance Reviews
Date: December 24, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I have had a good experience with Safeco's customer service. I wanted to change the billing from annual to twice per year and they advised how to do that and how to use their online website to have access to my account.
Nationwide Home Insurance Reviews
Date: December 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
Nationwide offers something I have seen no other company offer - new belongings. If my items are damaged, they will buy me new ones. Most other providers are only willing to offer a depreciated value on belongings. They also offer to pay for a hotel while the damage is repaired. Many providers offer a percentage reimbursement.
GEICO Home Insurance Reviews
Date: January 05, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My company offers the best rates and the most coverage. I find that people are paying far more for less! I am happy with my choice
State Farm Home Insurance Reviews
Date: June 16, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Premium
I think they are very comparable to almost anywhere else we have looked. I'm not crazy about any of the deductibles because we still pay them but they are not outrageous.