Sacramento homeowners insurance quotes

The average cost of homeowners insurance in Sacramento is $1,558 per year. Read our guide to the best companies, policy cost, and coverage considerations in Sacramento.

Kara McGinley


Kara McGinley

Kara McGinley

Property and Casualty Insurance Expert

Kara McGinley is an insurance editor at Policygenius, specializing in home, auto, and renters insurance. She's been writing about insurance since 2019, and her work and insights have been referenced in Kiplinger and

Published July 22, 2020|3 min read

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The average homeowners insurance rate in Sacramento is $1,558. Different neighborhoods in Sacramento are more susceptible to particular hazards than others, so homeowners insurance rates may vary depending on your ZIP code.

Whether you’re shopping for homeowners insurance for the first time or switching policies for a cheaper rate, it’s important to shop around for different policy offerings from multiple companies. To help simplify this process, we identified the top insurers in Sacramento by market share and broke down the cost of coverage by neighborhood and company based on hundreds of quotes submitted with Policygenius.

Key Takeaways

  • The average cost of homeowners insurance rate in Sacramento is $1,558 per year

  • Homeowners in Sacramento should consider purchasing flood insurance if they live in a high risk flood zone

  • Homeowners may also want to consider earthquake insurance if they live near a fault line

Best homeowners insurance companies in Sacramento

Though cost may be a top concern for many prospective homeowners, price shouldn’t be the only deciding factor when shopping for home insurance. You should look for an insurance company that has a good financial standing with credit agencies like A.M. Best. Customer service is also an important factor when choosing an insurer, you want an insurance company that is communicative and files claims efficiently, so you should also check customer service and claims ratings with J.D. Power.

The table below looks at the 10 most popular insurers (companies with the highest market share) in California, along with respective A.M. Best ratings, J.D. Power ratings, and Policygenius full-scale company ratings. Here’s more information about the Policygenius home insurance reviews methodology.

State FarmA++4/58/10
Liberty MutualA2/5Not rated
CSAAA+3/5Not rated
Auto Club ExchangeA+4/5Not rated
Mercury GeneralBBB+2/5Not rated

Be sure to check out our guide on the best homeowners insurance companies in the country

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How much is homeowners insurance in Sacramento?

The average annual cost for homeowners insurance in Sacramento is $1,558, which is higher than the California statewide average of $986.

Keep in mind that construction costs tend to be higher in population-dense cities like Sacramento, which may result in more expensive premiums. Insurance companies also use your ZIP code when determining your home insurance rates. If you live in an area of Sacramento with a high crime rate, your premiums may be more expensive.

Sacramento homeowners insurance guide

Sacramento generally experiences dry, hot summers and mild winters, and is one of the less natural disaster-prone cities in California. That said, there are certain hazards homeowners in Sacramento should keep in mind.

Homeowners insurance and flooding in Sacramento

Homeowners insurance does cover certain types of water damage, however flooding is not one of them. Sacramento homeowners should consider purchasing flood insurance, since they may be at risk for both riverine flooding and localized stormwater flooding, especially if they live near the Sacramento Valley. Flood insurance also covers mudflow, which certain parts of Sacramento may experience during a heavy rainfall.

Homeowners insurance and earthquakes in Sacramento

Homeowners insurance also does not cover earthquakes. Sacramento experiences less earthquakes than other parts of California, but it may still be a good idea to purchase earthquake insurance — you may not live near a fault line, but earthquakes can cause damage and affect people living miles away from its epicenter.

Property crime

According to the Sacramento Police Department, the percent of burglaries slightly increased in Sacramento in 2019. Homeowners insurance covers your personal property if it is stolen on or off your residence, so if your laptop is stolen out of your car your home insurance can help pay to replace it.

Is homeowners insurance required in Sacramento?

Homeowners insurance isn’t required by law in Sacramento, or anywhere in California, but if you have a mortgage, your lender will require you to get at least some form of coverage. Your lender may also require you to purchase flood insurance if you live in a high risk area.

Homeowners insurance resources for Sacramento residents

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