Cheap Homeowners Insurance Modesto

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cheap homeowners insurance modestoTo the east of Modesto are the lakes and historical towns of the Sierra foothills, and beyond that is the best of the nation’s park system, Yosemite. San Francisco sits 90 miles to the west. Like many cities in California, Modesto is neat, clean, pleasant and with enough entertainment and attractions to keep all ages busy and happy. Modesto serves as a gateway to most of Northern California and offers a more reasonable cost of living that attracts commuters from the nearby larger cities. The cost of living in Modesto is 22% lower than the California average and the median home price in Modesto is 3% lower than the national average at about $243,100. However, the crime rate is 102% higher than the national average so it is very important to take the time to check out all the options for cheap homeowners insurance Modesto has available.

Even though the cost of living in Modesto is low, housing is still 1% higher than the national average. In 20120 there were 75,044 housing units at an average density of 2,023.2 per square mile 39,422 were owner-occupied, and 29,685 were occupied by renters. The homeowner vacancy rate was 2.8%, although 55.7% of the population lived in owner-occupied housing units.

The city is located on the Tuolumne River and near the Stanislaus River, and although the weather is usually dry, many streets flood during winter rain storms. This is because the city does not have a full storm sewer system. The springs months can see some very high wind intensity that can cause damage to personal property. Crime involving property is 83% higher than the rest of the state of California and 93% higher than the nation’s average. These are important things to consider when purchasing homeowners insurance. Property damage is usually covered, but many things, including earthquakes are not, and require special additions to your policy.

About Homeowners Insurance Modesto

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:

  • Damage 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 are providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Modesto has to offer.