Rutherford, CA Homeowners Insurance Rate Quotes!
For Rutherford homeowners, the average premium per year for a standard homeowners policy is around $78 per month or around $933 per year. . The national average is estimated at $1,311 per year for a basic HO-3 homeowners policy. At GetHomeInsuranceQuotes.com, we shop up to 12 companies for you all in one place. We evaluate the lowest price, the best coverage and include any discounts or credits that can be applied to help provide the cheapest home insurance rate for your home and family in Rutherford. Our online quoting process is hassle free, we are able to compare the most competitive companies which helps Rutherford homeowners easily finalize a new homeowners policy quickly and easily online or over the phone.
Getting Affordable Rates in Rutherford
If your homeowners insurance rate in Rutherford has increased, it may be due to your claims history. Or the location of your Rutherford home is in a higher risk area due to flood damage, wind or hail claims or crime rates. Other reasons may be that your current home insurance carrier has saturated the market and is now increasing premiums throughout the state of California. All of these reasons are great for you to explore other options and shop local rates online at GetHomeInsuranceQuotes.com. Thousands of homeowners like you use our quoting process to help find the best rate or coverage. Enter your zip code for your home in Rutherford, CA and we can get started on compare coverage. If you prefer to call us, please call 1-855-976-2656.
| Avg. CA Rate | Discounts | Savings | Shop Rates |
|---|---|---|---|
| $1,241 | up to 40% off | $496 |
Compare Homeowners Insurance Rates in Rutherford, CA!
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Servicing Rutherford, California Home Insurance Quotes & Coverage
The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Rutherford agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Rutherford, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Rutherford, CA insurance coverage that you need. Submit an online home insurance quote today!
Average Rates Nearby Rutherford
Are you looking for homeowners insurance in a city near Rutherford? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Rutherford, CA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Rutherford.
Rutherford, CA Home Insurance Average Premiums
$683 /yr.
For the city of Rutherford, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $683 /yr. |
| Average Coverage: | $933 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1233 /yr. |
What is the average home insurance cost for a home in Rutherford, CA?
- • The average homeowners insurance premium paid annually for a home in Rutherford is around $933 per year.
What does it cost on average per month for home insurance in Rutherford, CA?
- • Homeowners in Rutherford pay an average cost per month around $78.00 for insurance coverage.
Rutherford, CA Coastal Wind, Hail & Flood Information
Rutherford is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Rutherford is know for it's beautiful beaches and waterways. Because Napa County (FIPS: 6055) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Rutherford, CA.
Rutherford, CA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $0 | $0 |
| February | $0 | $0 |
| March | $0 | $0 |
| April | $0 | $0 |
Homeowners insurance will help cover the cost to repair or replace your Rutherford home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Rutherford
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Rutherford, CA homeowners insurance rates all in one place! |
Saving Money Tips on Rutherford Home Insurance
A great way to save money on Rutherford homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Rutherford area? Check out what homeowners are paying on average for California homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 172 ft. | This is the average home elevation in Rutherford, CA | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Rutherford, California. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Rutherford, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Napa County.
California Homeowners Insurance News & Information
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Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
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Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024
Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]
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2024 Average Homeowners Insurance Rate at $2,777 per year Posted on Tuesday 20th February, 2024
A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]
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What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024
If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]
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2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023
The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies. Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]
Rutherford, CA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Rutherford so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Rutherford, CA?
- The average square footage in Rutherford is around 478 Sq. Ft. which would cost you around $155,000 to replace the home if you base the home on the price to build per square foot of $324.
Minimum Replacement Cost Total: $155,000
Location: Rutherford, California (Napa County)
Average Building Cost Per Square Foot in Rutherford: $324 (low end)
Average Square Footage in Rutherford: 478 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $324 | $155,000 |
| Some Additional Upgrades | $405 | $193,750 |
| Major Home Updates or Advancements | $486 | $232,500 |
The dwelling coverage is calculated by the average cost per square foot ($324) in Rutherford, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,012,500 (Media price to build of $405 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.