Cheap Homeowners Insurance Stockton

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cheap homeowners insurance stocktonStockton lies at the northern end of California’s Central Valley, where a lot of the country’s food comes from and it also has a huge port that is very popular with boaters. Stockton’s home resale inventories have decreased slightly, with a -1 percent decrease since February 2017. Distressed properties such as foreclosures and short sales are staying steady. The median listing price in Stockton is down, and is 20% lower than the California average and 8% higher than that for the entire country. If you own a home here it is very important to understand how much insurance you need now and in the future. This will help you get the best cheap homeowners insurance Stockton has available.

The cost of living index in Stockton is 2% lower than the national average, and the median home price in Stockton is 5% lower than the national average, at about $235,700. Homeowners in Stockton, CA have a median income of $66,424, and homeowner insurance premiums average about $966 per year. This puts Stockton ranked at number 26 nationally for homeowners insurance.

Believe it or not, Stockton is considered a coastal county, which greatly increases the risk of hurricanes and windstorms. Also, it is California, so earthquakes are always something that needs to be considered. None of these things are typically covered under normal insurance policies, so it is very important to work with your agent and get these kinds of natural disasters covered under your homeowners insurance plan.

Stockton is 63% higher than its state’s mean average when it comes to crimes involving property. It is also 71% higher than the country’s average. An areas crime rate can definitely impact your homeowners insurance, so make sure you shop around to get the best cheap homeowners insurance Stockton can supply. It is also helpful to update your homeowners insurance once a year to make sure you are getting all the available discounts, and the best rates available.