Living a relaxed, California lifestyle is something many people dream of. But with the high price tag that accompanies life in most California cities, it isn’t always possible. That’s where California’s diamond in the rough, Sacramento, comes into play. With housing prices and overall cost of living lower than the average city in California, Sacramento allows homeowners to enjoy all the perks of the Golden State without paying an arm and a leg.

Continuing this string of good fortune, homeowners can also take advantage of modern and affordable home insurance in Sacramento. Learn what coverage you need as well as what a comprehensive home insurance policy with Hippo can do for your home (and your wallet) with our guide.

How much is homeowners insurance in Sacramento?

Illustration of a black and green house with a palm tree

Homeowners insurance in Sacramento costs an average of $1,094 per year, according to That’s the same price you’d pay for you and 15 friends to see the Sacramento Kings play in person at the Golden 1 Center. While that might seem like a lot of cash to shell out to protect your home, it's important to note that home insurance in California’s capital is cheaper than the statewide average of $1,113.

Homeowners insurance in Sacramento costs an average of $1,094 per year, the same price you’d pay for you and 15 friends to go see the Sacramento Kings play in person at the Golden 1 Center.

What factors influence my home insurance rate?

When you buy a Sacramento Kings ticket, the price depends on your seat. The same policy applies to home insurance, as your actual premium will depend on the location of your home. If you live in a high-risk area, have an older home or haven’t been keeping up with home maintenance, you should expect to pay more to get adequate coverage. Other factors that influence your premium include your home’s size, current condition and how much coverage you select.

Sacramento Home Insurance Premiums

What does home insurance in Sacramento cover?

Home insurance in Sacramento will cover your home’s structure, contents, liability and additional structures on your property. So if you have a Sacramento Kings memorabilia collection in your home or a large shed in your backyard where you store your lawn equipment, both will have protection under traditional insurance policies. 

But living in California’s capital comes with some unique issues you need to be aware of — things that aren’t as common in bigger cities like San Francisco or San Diego. This includes historic floods and wildfires, but don’t worry. There are plenty of resources to help. Check out our California home insurance page for more information.

Sacramento Insurance Coverage Options

Traditional coverage


Supplemental coverage


What Sacramento residents need to know

Did you know that Sacramento is known as the City of Trees? In fact, it’s one of the cities with the most trees per capita in the entire world. Because of this, you may need to get extra protection like extended replacement cost to help repair your home should a tree fall on your fence or home after a bad storm. 

Other smart protection options for Sacramento homeowners include fire insurance and extra theft coverage via extended replacement cost, in the case that someone breaks into your home. And if you have solar panels, which is a good idea if you live in a city with over 269 days of sunshine, you should get solar panel insurance to make sure your investment is protected.

How to lower your home insurance premium

Everyone loves to save money. Whether you moved to Sacramento for the Farm-to-Fork lifestyle or to see if the city has really surpassed San Francisco as the coffee capital, there’s plenty of ways for you to spend cash in the City of Trees. Luckily, you can save up for your next taste bud adventure by making a few quick changes to your home. 

Try installing smart home devices, replacing your roof or HVAC system and raising your deductible to see how much you can save. If you still aren’t seeing the savings you want after making these changes, consider changing home insurance providers to get a better deal.

Whether you’re looking to expand your home insurance protection or learn the ins and outs of how to make your home smarter, just turn to our experts. We’ve got you covered.

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