How Can I Make My Chico, CA Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Chico, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Chico, CA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $103,500 $90,000 $100,000-$125,000
2 Bedroom $205,500 $180,000 $150,000-$175,000
3 Bedroom $256,500 $230,000 $250,000-$300,000
4 Bedroom $432,000 $360,000 $350,000-$400,000
5 Bedroom $724,500 $620,000 $600,000-$700,000

Estimate your Savings with Home Insurance Discounts in Chico, CA | Back to Top

This table lists savings for a median home value of $283,700 and an average premium of $797

Discount Type Premium After Discount
Multipolicy Discounts $749
Superior Protection Discount $661
Fire & Security Discounts $757

Choose your Chico, CA Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,854
Physical Damage $2,344
Hail Damage $4,524
Wind Damage $6,624
Expensive Claims
Fire $46,463
Smoke $15,884

Identify Top Home Insurance Agents near Chico, CA | Back to Top

Home Insurance Company Chico, CA Homeowners Insurance Agency Chico, CA Address Popularity Score Distance from Chico (miles)
Farmers Rich Coleman 228 9th St, Marysville, CA, 95901
46.8
Farmers Warren Jackson 621 B St Ste B, Marysville, CA, 95901
47.0
Travelers Sanchez Insurance Services Inc 440 Palora Ave N Ste A, Yuba City, CA, 95991
47.0
Allstate Gary Short 1430 East Ave Ste 3a, Chico, CA, 95926
5.9
State Farm Tracy Martin 2607 Forest Ave Ste 120, Chico, CA, 95928-4394
8.1
Farmers Ceila Miranda 120 Amber Grove Dr Ste 126, Chico, CA, 95973
3.1
Travelers Rhio Nelson Insurance Agency Inc 2615 Forest Ave Ste 130, Chico, CA, 95928
8.1
Farmers Mark Ristine 1751 Oro Dam Blvd E Ste 6, Oroville, CA, 95966
27.2
State Farm Tim Weatherson 550 Walnut St, Red Bluff, CA, 96080-3324
32.6
Farmers Linda Durrer 437 Cedar St, Red Bluff, CA, 96080
32.7

Compare Rates for Chico, CA Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
California $383,900 $1,570 $1,160 $2,140 $980
Butte County, CA $237,400 $1,350 $1,000 $1,840 $840
Chico, CA $283,700 $1,450 $1,070 $1,970 $900
Butte Creek Canyon, CA $421,700 $2,020 $1,490 $2,750 $1,260
Durham, CA $408,900 $1,640 $1,210 $2,230 $1,020
Cohasset, CA $282,100 $1,160 $860 $1,580 $720
Concow, CA $122,500 $670 $500 $910 $410
Orland, CA $210,900 $1,180 $870 $1,600 $730
Tehama County, CA $189,500 $780 $580 $1,060 $480
Sutter, CA $219,500 $1,270 $940 $1,730 $790
Central Colusa, CA $228,000 $1,030 $760 $1,400 $640
Mineral, CA $130,400 $670 $500 $910 $410

Research Home Insurance Companies Reviews in Chico, CA Before Buying | Back to Top

Share a review on your home insurance company


Progressive Home Insurance Reviews

Date: June 08, 2019    Age: 50 to 59    Gender: Married    Marital Status: Female

Premium
As far as I've researched, the rates are comparable to other insurance companies. It's just that rates could always be lower!

Date: December 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
i feel like they provide the same things as most insurance company it is a pretty standard police as far as i can tell


Date: November 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I believe that this company has the same offerings that other insurance providers do. When I obtained my coverage, I chose the coverage that I was required to have by law and they helped me to do this.


Date: September 19, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I like the ease of use and the speed at which it loads and has all my insurance info in one place.

Date: September 17, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
The company's customer service is a wonder to deal with. After using online to get a quote, called and the agent was able to get a better rate for us.

Date: September 10, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
The cost of rebuilding the home, the value of the contents and loss of use if unusable after the incident


Date: August 26, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
The premium was about 400 less a year with more coverage and lesser deductible than what our insurance agent could get us.

Date: July 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
The communication from our insurance company was quick and informative. They handled everything for us and kept us informed throughout.

Allstate Home Insurance Reviews

Date: July 20, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
they have been very helpful and very cooperative with me during any situation that ive came across. There payment plans are also why I have stuck with them so long.

Date: April 03, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
They are a little on the high side of prices. It is good insurance though, so you get what you pay for. It wouldn't be bad if they lowered their prices a little bit though.

Date: October 04, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
I don't like to have everything seems like an advertisement these days. if you contact them for some information they will push signing up with them really hard on their app. I wasn't a fan of that

Date: September 07, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Customer Service
they have really good customer service and that has kept me coming back for me. they are always nice and willing to answer any questions I might have

Date: August 24, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
we are covered for the major natural disasters and we are also covered in case of a robbery or if somebody breaks in.


Date: August 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
other companies offered me premiums of similar value but they cost more or had strings attached

Date: May 14, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
they are always at their phones and ready to help with any and all questions. they also have great call hours and times

Mercury Home Insurance Reviews

Date: August 31, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
We didn't compare other insurance carrier policies in terms of levels of coverage but Mercury seems to offer the standard home insurance coverage for significantly less than other insurance companies.

Date: May 25, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
The company's website is primarily for their car insurance and not suited for their home insurance so we can only make payments online but cannot see the details of our coverage or modify our existing policy through the website at all.

Date: May 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
Our insurance provider provides basic home coverage but also includes some personal injury coverage, personal items, extra buildings or dwellings on our lot, and even credit card fraud insurance in case our cards get stolen during a break-in.


Date: December 24, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
All of our interactions/communications have been with our insurance broker who is slow to respond to emails. Many times, I find myself reaching out to her multiple times before receiving a response. This is frustrating.

Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
We have not had to deal with Mercury's customer service as we have not filed any claims yet. Our insurance was purchase through an insurance agent/broker, independent of Mercury.

Farmer's Insurance Home Insurance Reviews

Date: September 12, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
The insurance covers everything I need, even though it seems like the coverage falls under the value of my home, there is a guarantee on the replacement cost of all buildings. As a bonus to all of the regular things insurance would cover, they also offer identity Fraud Expense, which is a nice thing to have.


Date: September 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
I think the website offers me up to the minute information about my policy. I can quickly make changes through email or text, and I don't have to be inconvenienced if I need a copy of my policy. It also makes it easy to see at a glance, if I am comparing prices with other companies.

Date: August 30, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
My agent emails me every year to touch base and make sure that I am adequately covered, and I think that is a great personal touch. He also goes out of his way to make sure that I am getting all of my discounts, and he gives me advice on what I should do to make my policy more affordable. When I changed policies they personally called and canceled my old coverage, so I wouldn't have to.

Date: August 12, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
I get emails every month about my bill and they contact me a few times a year to touch base. They also send out monthly newsletters with valuable information for homeowners.

Date: November 19, 2017    Age: Above 60    Gender: Female    Marital Status: Married

Premium
This policy offered more and cost less than every other company I called. I saved $200 per year by switching from my old company last year ad they were giving me a higher deductible and no identity fraud protection.

State Farm Home Insurance Reviews

Date: January 20, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I have found that there is a pretty high premium and deductible, but I have not found any better offers out there. Many provide similar prices.

Date: December 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I think I am offered coverage for all of my needs. I also think most insurance companies offer the same kinds of service.


Liberty Mutual Home Insurance Reviews

Date: February 10, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
they cover more cash lost in a home fire, they cover people getting hurt on my property due to negligence, and they also cover more minor things that can come up


Allied Insurance Home Insurance Reviews

Date: October 16, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I have not had any dealings with the customer service regarding a claim, but while getting the policy they quick and send me thank you emails and all the documents once i signed up.

GEICO Home Insurance Reviews

Date: December 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Their customer service has been mixed between good and bad. I had a bad experience with a representative , but I also have had two good experiences. Hopefully no more bad going forward.

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