Cheap Homeowners Insurance Vacaville

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cheap homeowners insurance vacavilleVacaville is the third largest city in Solano County, and halfway between Sacramento and San Francisco. The cost of living in Vacaville is 5% lower than the California average and 29% higher than the national average. The median income for a household in the city is $74,207, which is is 39% higher than the national average. The median home price in Vacaville is 57% higher than the national average and has appreciated 11.35% since 2012. Unemployment in Vacaville is 5% higher than the national average, and the median home sales price is $365,000. 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 Vacaville has available.

cheap homeowners insurance vacaville 2The Vacaville Police Department employs 150 full time employees, utilizes many civilian volunteers, and maintains Reserve Officer and Cadet Programs. The overall crime rate in Vacaville is 13% lower than the national average and property crime is 15% lower than the state average, and 10% lower than the overall national average. The crime rate and police presence in a city are important factors that determine the cost of homeowners insurance. Lower crime means cheap homeowners insurance in Vacaville. Another very important factor is the geographic characteristics of the city.

Vacaville has a very high earthquake risk, with a total of 918 earthquakes since 1931. The largest earthquake within 30 miles of Vacaville was a 6.0 Magnitude in 2017. In addition, there is a 89.97% chance of a major earthquake within 50km of Vacaville, CA within the next 50 years. California has a multitude of fault lines and yet only 10% of homeowners carry earthquake insurance. Since it is not usually included in a basic policy, it is very important to add earthquake coverage to your homeowners insurance.

About Homeowners Insurance in Vacaville

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 vacaville 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 Vacaville has to offer.