
Homeowners Insurance in Sacramento
From the tree-lined streets of East Sacramento to the modern homes in Natomas, living in California’s capital comes with unique opportunities—and risks.
Housing prices and overall cost of living are lower than the average city in California, but wildfire season, rising rebuild costs, and even the occasional winter storm mean protecting your home is more important than ever.
Whether you’re a first-time homeowner or looking to switch providers, understanding the ins and outs of homeowners insurance in Sacramento can help you find the right coverage at the best price.
How much is the average homeowners insurance in Sacramento?
Sacramento homeowners insurance costs an average of $1,219 per year, according to Insurance.com. That’s around the same price you’d pay for you and five friends to catch a Sacramento Kings game at Golden 1 Center.
While that might seem like a lot to pay to protect your home, it's important to note that the average home insurance in California is $1,405—slightly more than the Sacramento average.
Below is a breakdown of the average annual homeowners insurance costs in California over the past five years.
These statewide averages make for a good benchmark, but city-specific factors—like wildfire risks in nearby regions, urban density, and local rebuilding costs—can affect how much you pay for home insurance in Sacramento.
Year | California state average annual insurance premium |
---|---|
2024 | $1,405 |
2023 | $1,386 |
2022 | $1,357 |
2021 | $1,403 |
2020 | $1,241 |
Want to know how much your homeowners insurance will cost? Get a personalized quote in 60 seconds and see your rate today. We have Sacramento home insurance agents to answer any questions you have.
Homeowners insurance in Sacramento costs an average of $1,219 per year, which is around the same price you’d pay for you and five 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. Home insurance rates work the same way—your actual premium will depend on the location of your home, along with other key factors. Here’s what you should know:
- Your neighborhood. Living near wildfire-prone areas, like Folsom or El Dorado Hills, can increase your premium. Homes in central Sacramento may see lower rates, but urban areas often have higher theft risks, which can also raise costs.
- Home size and value. Larger homes or those with higher rebuilding costs—common in neighborhoods like East Sacramento—will typically have higher premiums.
- The age of your home. Older homes, like many in Midtown or Land Park, might cost more to insure due to older plumbing, wiring, or roofing. Newer builds in Natomas or North Sacramento often come with lower rates thanks to modern construction standards.
- Your coverage choices. Choosing higher coverage limits or lower deductibles increases your premium, but it also means your insurance company may pay out more for approved claims.
Did you know?
In California, insurance companies cannot use credit scores to determine homeowners insurance premiums. This rule is enforced by the California Department of Insurance to help make sure rates remain fair and not discriminatory.
Common insurance discounts in Sacramento
You can use several discounts to save on home insurance in Sacramento. These discounts will vary by insurance company but may include:
- Bundling policies. Many Sacramento residents can lower insurance premiums by getting home and auto insurance with the same company.
- Fire-resistant features. With wildfire risks nearby, homes with fire-resistant roofs, defensible landscaping, or sprinkler systems may qualify for discounts.
- Home security systems. Adding security cameras, burglar alarms, or smart locks can make your home safer and may lower your premium.
- New or renovated homes. Whether you’re buying a newly built home near Natomas or renovating an older home near Midtown, you may qualify for a discount that lowers rates.
- Claims-free history. If you haven’t filed any insurance claims in the last few years, you could earn a lower premium.
- Paying in full. Paying your annual premium upfront instead of in monthly installments may lead to small savings with some insurers.
What does home insurance in Sacramento cover?
Home insurance in Sacramento comprises several parts that all work together to help protect your home, belongings and finances. Here’s what’s usually included:
- Dwelling coverage. This protects your home’s primary structure, including your roof, walls, plumbing, and foundation. It could help you repair or rebuild your home if it’s damaged by a covered peril, like fire, wind, smoke, or theft.
- Personal property coverage. Covers your belongings if they’re stolen or damaged by a covered event, whether at home or temporarily elsewhere. This could include items like furniture, electronics, bicycles, gardening tools, and even your Sacramento Kings memorabilia collection.
- Liability protection coverage. Provides financial coverage if someone is injured on your property or if you accidentally cause damage to someone else’s property. This could cover legal fees and medical expenses.
- Loss of use coverage. Pays for temporary housing and additional living expenses if your home is deemed “uninhabitable” after a covered event. For Sacramento residents, this could mean staying in a hotel while repairs are made after storm or fire damage.
- Other structures coverage. Covers detached structures on your Sacramento property, including fences, stand-alone garages, and sheds where you store your lawn equipment.
Additional Sacramento insurance coverage options
You’ll have broad protection with a standard Sacramento home insurance policy, but there are some situations where you’ll want extra coverage. Here are a few optional add-ons to consider:
- Flood insurance. Located where the Sacramento and American Rivers meet, the city faces unique flood risks despite its levee systems. Heavy rains or levee failures during wet winters can cause flooding, which isn’t covered by standard policies. You’ll need a separate flood insurance policy for this.
- Earthquake insurance. Most Californians live within 30 miles of an active fault line. Although Sacramento has a lower earthquake risk compared to other parts of the state, earthquake insurance is a relatively affordable way to cover structural repairs, personal property damage, and additional living expenses.
- Extended replacement cost coverage. Did you know that Sacramento is one of the cities with the most trees per capita worldwide? Because of this, you may need to get extra protection, like an extended replacement cost, to help repair your home should a tree fall on your fence or home after a bad storm.
- Water backup coverage. This coverage protects against water damage caused by backed-up drains, sump pumps, or sewer lines—issues that can occur during heavy rainstorms.
- Scheduled personal property. If you own valuable items like fine jewelry, rare collectibles, or high-end outdoor equipment, this add-on extends coverage beyond your standard policy’s limits (which usually fall short of what you need).
What Sacramento residents need to know
Regardless of where you live in Sacramento, you’ll need enough dwelling coverage to rebuild your home fully after a total loss. You’ll also want enough liability coverage to protect your financial assets and enough personal property coverage to replace your belongings.
Creating a home inventory—a detailed list of your possessions—is the best way to estimate how much personal property coverage you need.
Sacramento is located in the Central Valley, so wildfires aren’t a direct threat for most homeowners here. Still, review your policy’s fire coverage to check if it’s enough. If it’s not, you may need to purchase wildfire insurance. There’s also the California FAIR Plan if you’ve been denied insurance coverage due to living in a high-risk area.
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 consider solar panel insurance to ensure your investment is protected.
How to lower your Sacramento home insurance premium
There are plenty of ways to save money on your quest to find the best homeowners insurance in Sacramento. And the good news is, you don’t have to sacrifice coverage to find it.
Try installing smart home devices, replacing your roof or HVAC system and raising your deductible to see how much you can save (If you’re comfortable taking on a bit more financial responsibility in the event of a claim).
If you still aren’t seeing the savings you want after making these changes, consider changing home insurance providers to get a better deal. Insurers calculate premiums differently, so switching providers can often save you money.
Looking for homeowners insurance in a different California city?
Whether you’re in Northern or Southern California, Hippo has you covered. Click any city in the list below to learn more about home insurance in that area.
Get a personalized home insurance quote for Sacramento and see how Hippo could help protect your home, no matter where you live in California. It takes as little as 60 seconds.
Still have questions?
Curious about how Sacramento insurance works? Here are answers to some frequently asked questions to help you make informed decisions:
Is home insurance tax deductible in Sacramento, CA?
Sacramento home insurance isn’t typically tax deductible unless you use part of your home for business, like a home office. In those cases, you may be able to deduct a portion of your premium. Talk to a tax expert to learn more about what qualifies.
How much is condo insurance in Sacramento?
Condo insurance in Sacramento costs about $50 per month or $602 per year on average, according to Insurance.com. The exact cost depends on factors like the size of your unit, the value of your belongings, and the type of master policy your HOA has. A personalized quote can give you a clearer picture of what you’ll pay.
How much is renters insurance in Sacramento?
Renters insurance in Sacramento is about $273 per year or $22.75 per month, based on Insurance.com data. Exact rates will depend on the personal property and liability coverage levels you select, as well as crime rates and weather patterns in the area.
How much is homeowners insurance in California per month?
The average homeowners insurance premium in California is about $1,405 annually or $117 monthly, according to Insurance.com. In Sacramento, your rate may vary depending on your location and coverage needs. Comparing home insurance quotes for Sacramento is the best way to find the right policy for your budget.
What is the most affordable homeowners insurance in Sacramento, California?
The most affordable homeowners insurance in Sacramento, CA, will depend on your home’s location, its value, and the coverage options you choose. Bundling policies, installing safety features, and shopping around for quotes are great ways to find budget-friendly options. Start by getting a quick quote from Hippo.