Cheap Homeowners Insurance Fairfield

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cheap homeowners insurance fairfieldFairfield is in Solano County located at the midpoint between the cities of San Francisco and Sacramento. It is also home to the headquarters of  Travis Air Force Base Jelly Belly! The cost of living in Fairfield is 6% lower than the California average, but 27% higher than the national average. The median home price in Fairfield is $262,400, which 49% higher than the national average. The median income for a household in the city is $51,151, and the median income for a family is $55,503.  If you own a home here 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 Fairfield has available.

cheap homeowners insurance fairfield 2Fairfield crime rate is 14% higher than the California average and 22% higher than the national average. Property crime specifically is 16% higher than the California average and 22% higher than the national average. Knowing the crime rate of the city you live in can help you decide how much coverage you will need as a homeowner. Another thing to consider is the geography of the area.

Fairfield is part of the California Coastal Ranges and contains the Suisun Marsh, the largest saltwater marsh on the west coast of the United States. The city elevation is only 4 meters above sea level, so there is a higher risk for flooding as the tides vary. The whole Bay Area sits within the plate boundary of the San Andreas fault, and Fairfield gets about 306 earthquakes a year. Most are very small, but can still cause structural damage over time. It is important to consider adding flood and earthquake insurance to your homeowners policy if you live in Fairfield.

About Homeowners Insurance in Fairfield

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 fairfield 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 Fairfield has to offer.