How Can I Make My Lincoln, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lincoln, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Lincoln, CA Home Insurance Coverage Levels | Back to Top
| Lincoln, 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 | |
| Mount Errigal Pl, Laurelhurst Ln, Yerington Ct, Misty Ct, Sunset Blvd W, Airport Rd, Peninsula Ct, Spur Ct, Dartmoor Ln, Tripp Way | $507,500 | $410,000 | $500,000-$600,000 | $303,000 | $270,000 | $250,000-$300,000 |
| Genesee Dr, Hawthorne Ln, Benvenito Ln, Stoney Point Ct, Window Ln, Thornecroft Ln, Azeo Ct, Ruddy Duck Ct, Corte Ocaso, Wild Rose Dr | $300,500 | $270,000 | $300,000-$350,000 | $209,000 | $200,000 | $200,000-$250,000 |
| Turtledove Ct, Jack Rabbit Ct, Sage Ct, Hayden Pkwy, Lemontree Way, Bayberry Ct, Auburn Ravine Dr, Rocky Ridge Ln, Lohse Ct, Fuller Ln | $322,000 | $280,000 | $300,000-$350,000 | $234,500 | $200,000 | $200,000-$250,000 |
| Glencoe Ct, Hawk Hill Ln, Nelson Ln, Augusta Ct, Toyon Cir, Briarton Dr, Dumont Ct, Airo Ct, Mark Ct, Cheryl Ct | $386,000 | $350,000 | $300,000-$350,000 | $203,500 | $190,000 | $200,000-$250,000 |
| Aubree Ln, Madrone St, Hanover Pl, Virginiatown Rd, Barnswood Loop, Larkin Ln, Millrace Ct, Heath Ct, Stansbury Ln, Mountain Quail Ct | $226,500 | $190,000 | $175,000-$200,000 | $220,500 | $200,000 | $200,000-$250,000 |
| Lombard Ln, Stanton Ct, Amoruso Way, Stardust Ln, Lamplight Ln, Southbridge Cir, Harrison Ave, Thomsen Way, Garden Bar Rd, Greenwich Ct | $243,500 | $220,000 | $200,000-$250,000 | $188,500 | $160,000 | $200,000-$250,000 |
| Testarossa Ct, Geary Ct, N Kilaga Springs Rd, Leiper Loop, Browning Ct, Holly Dr, Talega Ct, Odin Ct, Gingersnap Ln, Snowdrop Pl | $268,500 | $230,000 | $250,000-$300,000 | $332,000 | $300,000 | $250,000-$300,000 |
| 7th St, Randel Ct, Tims Ln, Cimmeron Way, River Rock Ln, Halfmoon Ct, Hardscrabble Ln, Wheatland Rd, Yosemite Ct, Devon Ct | $417,500 | $340,000 | $400,000-$500,000 | $216,000 | $190,000 | $175,000-$200,000 |
| Meadowlark Ln, Darlington Way, Cinnamon Teal Ct, Mazzolo Dr, Know Rd, Granite Falls Ln, Arrowhead Ct, Dorsett Ct, Locust Rd, Raindance Dr | $324,500 | $300,000 | $300,000-$350,000 | $234,500 | $190,000 | $250,000-$300,000 |
| Farmgate Ln, Rosa Pl, Trellis Ct, Heron Pl, Cinnabar Ct, Ridge Gate Ct, P St, Danby Ln, Co Rd 80, Fairhall Ct | $311,500 | $260,000 | $300,000-$350,000 | $220,000 | $200,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Lincoln, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $907 |
| Superior Protection Discount | -$107 | $960 |
| Fire & Security Discount | -$75 | $992 |
| Hail Resistant Roof Discount | -$32 | $1,035 |
| Newly Constructed Home Discount | -$235 | $832 |
Choose the Right Deductible for your Lincoln, CA Home | Back to Top
| 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 |
| Placer County | $2,000 | $1,054 | $3,054 | $766 | $2,766 | $288 |
| Lincoln, CA | $2,000 | $1,054 | $3,054 | $766 | $2,766 | $288 |
| Sheridan, CA | $100 | $775 | $875 | $563 | $663 | $212 |
| Nicolaus, CA | $1,000 | $961 | $1,961 | $699 | $1,699 | $263 |
| Mather, CA | $300 | $808 | $1,108 | $587 | $887 | $221 |
| Knights Landing, CA | $2,000 | $646 | $2,646 | $470 | $2,470 | $177 |
| Sloughhouse, CA | $500 | $919 | $1,419 | $668 | $1,168 | $251 |
| Challenge-Brownsville, CA | $700 | $568 | $1,268 | $413 | $1,113 | $155 |
| Dixon, CA | $200 | $755 | $955 | $549 | $749 | $206 |
| Ione, CA | $2,500 | $633 | $3,133 | $460 | $2,960 | $173 |
| El Dorado County, CA | $400 | $1,025 | $1,425 | $745 | $1,145 | $280 |
| Dogtown, CA | $700 | $1,423 | $2,123 | $1,034 | $1,734 | $389 |
Identify Top Home Insurance Agents near Lincoln, CA | Back to Top
| Home Insurance Company Lincoln, CA | Homeowners Insurance Agency Lincoln, CA | Address | Popularity Score | Distance from Lincoln (miles) |
|---|---|---|---|---|
| State Farm | Stephanie Bader | 973 Plsnt Grv Blvd Ste 130, Roseville, CA, 95678-6144 | 8.6 | |
| Allstate | Julie L. Domenick | 3175 Sunset Blvd Ste 108, Rocklin, CA, 95677 | 9.2 | |
| Farmers | David Larson | 508 Gibson Dr Ste 250, Roseville, CA, 95678 | 8.9 | |
| State Farm | Jim Hilliard | 451 1st St, Woodland, CA, 95695-4023 | 27.5 | |
| Farmers | Daryl Pao Lindo | 4600 Northgate Blvd Ste 215, Sacramento, CA, 95834 | 18.2 | |
| State Farm | Stacy Flascher | 4201 Sunrise Blvd Ste A, Fair Oaks, CA, 95628-7000 | 17.8 | |
| State Farm | Olimpia Garner | 175 N 1st St, Dixon, CA, 95620-3025 | 40.3 | |
| State Farm | David Kite | 1510 X St, Sacramento, CA, 95818-2333 | 24.2 | |
| Farmers | Jeff Apperson | 6617 Madison Ave Ste 11a, Carmichael, CA, 95608 | 16.1 | |
| Allstate | Veronica Mcmiller | 9071 Foothills Blvd Ste 1, Roseville, CA, 95747 | 7.4 |
Compare Rates for Lincoln, 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 |
| Placer County, CA | $413,300 | $1,067 | $790 | $1,450 | $660 |
| Lincoln, CA | $413,300 | $1,067 | $790 | $1,450 | $660 |
| Sheridan, CA | $289,400 | $784 | $580 | $1,070 | $490 |
| Nicolaus, CA | $366,700 | $973 | $720 | $1,320 | $600 |
| Mather, CA | $306,900 | $818 | $610 | $1,110 | $500 |
| Knights Landing, CA | $202,300 | $654 | $480 | $890 | $410 |
| Sloughhouse, CA | $446,600 | $930 | $690 | $1,260 | $570 |
| Challenge-Brownsville, CA | $143,300 | $575 | $430 | $780 | $350 |
| Dixon, CA | $345,100 | $764 | $570 | $1,040 | $470 |
| Ione, CA | $277,900 | $641 | $470 | $870 | $400 |
| El Dorado County, CA | $405,900 | $1,038 | $770 | $1,410 | $640 |
| Dogtown, CA | $469,600 | $1,440 | $1,070 | $1,960 | $890 |
Research Home Insurance Companies Reviews in Lincoln, CA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: September 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
The policy of the insurance is okay, it is not hard or anything it was really helpful for us because we can follow the policy.
State Farm Home Insurance Reviews
Date: July 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I am not sure what my insurance offers that other insurance companies don't offer. I feel like they are all the same. I did however like the quick turnaround time.
Farmer's Insurance Home Insurance Reviews
Date: June 08, 2019 Age: 30 to 39 Gender: Married Marital Status: Female
Premium
Premium depends on individual circumstances, payment method and cover chosen. I love the policy.