Gavop's guide to buying homeowners insurance in Waterford, 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 | $50,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $174,500 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $221,000 | $200,000 | $175,000-$200,000 |
| 4 Bedroom | $270,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $475,500 | $380,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$57 | $577 |
| Home and Two Car | -$101 | $533 |
| Home and Three Car | -$146 | $488 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,513 |
| Hail Damage | $4,948 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $17,556 |
| Home Insurance Company Waterford, CA | Homeowners Insurance Agency Waterford, CA | Address | Popularity Score | Distance from Waterford (miles) |
|---|---|---|---|---|
| Farmers | Nathan Dabulewicz | 5 E Main St, Turlock, CA, 95380 | 14.9 | |
| Allstate | David Ngo | 3848 Mchenry Ave Ste 320, Modesto, CA, 95356 | 16.8 | |
| Farmers | Juan Cisneros | 2200 Crows Landing Rd # A, Modesto, CA, 95358 | 17.4 | |
| Travelers | Silva Insurance | 3507 Tully Rd Ste 100, Modesto, CA, 95356 | 17.8 | |
| Allstate | Richard Perry | 7895 N Pershing Ave, Stockton, CA, 95207 | 42.6 | |
| State Farm | Jon Whited | 1600 Sunrise Ave., Modesto, CA, 95350 | 16.2 | |
| State Farm | Pam Shelton | 3520 Oakdale Rd Ste E, Modesto, CA, 95357-0714 | 14.8 | |
| Farmers | Tannia Solis | 205 W Hatch Rd Ste 3, Modesto, CA, 95351 | 17.3 | |
| State Farm | Colleen Myrtakis | 1317 Oakdale Rd Ste 1220, Modesto, CA, 95355-3368 | 14.7 | |
| Allstate | Steve Richardson | 2012 W Monte Vista Ave, Turlock, CA, 95382 | 14.3 |
| 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 |
| Waterford, CA | $223,800 | $634 | $470 | $860 | $390 |
| Hughson, CA | $305,800 | $685 | $510 | $930 | $420 |
| Bystrom, CA | $130,000 | $555 | $410 | $750 | $340 |
| Lake Don Pedro, CA | $198,100 | $649 | $480 | $880 | $400 |
| Sonora, CA | $265,700 | $691 | $510 | $940 | $430 |
| East Sonora-Phoenix Lake, CA | $282,600 | $772 | $570 | $1,050 | $480 |
| Tuolumne City, CA | $206,100 | $659 | $490 | $900 | $410 |
| Linden, CA | $363,100 | $962 | $710 | $1,310 | $600 |
| Taft Mosswood, CA | $161,200 | $600 | $440 | $820 | $380 |
| Lockeford, CA | $426,500 | $858 | $640 | $1,170 | $530 |
| Jackson, CA | $274,500 | $705 | $520 | $960 | $440 |