Cheap Homeowners Insurance Antioch

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cheap homeowners insurance antiochAntioch is located in the East Bay region of the San Francisco Bay Area. The city has a rich history as mining area for coal and copper. Now it is mostly a residential area, and real estate prices are affordable for any income. This makes it a popular place to live for commuters, and you can reach the cities of Sacramento and San Jose in about 75 minutes and San Francisco in about 60 minutes. This cost of living in Antioch is 13% lower than the California average, and 18% higher than the national average. Homeowners in Antioch have a median income of $82,458, and the median home price is $240,000. All homeowners need to make sure they are protected , so it is very important to understand how much insurance you need according to the special features of the area. This will help you get the best cheap homeowners insurance Antioch has available.

cheap homeowners insurance antioch 2The rate of crime in Antioch averages 39% higher than the rest of the state, and 48% higher than the rest of the nation. The police department is staffed with 124 sworn and 59 non-sworn employees, and includes very active neighborhood watch groups. Crime rates affect the cost of homeowners insurance, as well as the geographical characteristics of the city.

Antioch is characterized by a series of northwest-trending mountain ranges, ridges, and intervening valleys that run generally parallel to the San Andreas Fault System. In addition, the city is part of the San Francisco Bay area, and is a high risk for possible earthquake damage. In fact, Antioch has experienced 355 earthquakes in the past 365 days. Most of them are very small, but there is still the possibility of structural damage. Most homeowners insurance policies will cover theft and fire, but it does not normally cover earthquake and flood damage. To protect your home and your investment make sure you add this coverage to your policy.

About Homeowners Insurance in Antioch

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover
the following:

  • cheap homeowners insurance antioch 3Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Antioch has to offer.