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Del Norte County, CA Homeowners Insurance Quotes

Discovering afforable homeowners insurance rates in Del Norte County can seem impossible with so many options available online as well as local captive agents down the road. But getting the right coverage means speaking with a home insurance professional that can help you review enhanced coverage options at affordable prices. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance carriers available in your area. It's important for you to know the coverage details available for your home in Del Norte County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current and new homeowners policy. We also provide ways to help you apply additional discounts to lower your premium while getting upgraded coverage for that extra protection and financial support when you need insurance the most. Start your online homeowners insurance quote today!

For homeowners of Del Norte County, CA, it's important to know that the average home insurance policy in California is estimated to be around $103.42 per month. That amounts to $1241 per year for a basic homeowners insurance policy for residents living in Del Norte County. When comparing other rates, the United States national average for homeowners insurance premiums is around 1,249 per year. Did you know that California is now ranked 24 in the country in terms of highest home insurance cost. So getting up to 12 free home insurance quotes for your home in Del Norte County, CA helps you easily review and compare prices and coverages so we can help you make the best decision on which insurance provider is best for you.

For all Del Norte County, CA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Del Norte County? Simply enter your zip code to get your California homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Del Norte County, CA Housing Demographics

With 28,610 residents living within the Del Norte County area there are over 11,186 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 6,379 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Del Norte County.

DemographicValues
Total Occupied Households9,907
Family Households (families)6,379
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units11,186

Del Norte County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in Del Norte County (FIPS: 6015), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of California is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Del Norte County, CA, it's important that you look into hurricane and windstorm insurance options.

Del Norte County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of California.

Helpful Articles:

Del Norte County, CA Home Insurance Average Premiums

Local Del Norte, CA homeowners insurance quotes comparison

$984 /yr.

California's Average Home Insurance Rates Overall

For the state of California, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 24 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$835 /yr.
Current Average Cost:$984 /yr.
Maximum Range:$1241 /yr.

Del Norte County, CA Coastal Wind, Hail & Flood Information

Del Norte is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Del Norte is know for it's beautiful beaches and waterways. Because Del Norte County (FIPS: 6015) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Del Norte County.

California Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

Discounts For Homeowners in Del Norte County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your California homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Del Norte County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Del Norte County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Del Norte County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Del Norte County Housing & Real Estate Data

Details:Statistics
Total Housing Units11186
Occupied Housing Units9907
Vacant Housing Units1279
Vacant Housing Units for Rent278
Vacant Housing Units Rented Not Occupied12
Vacant Housing Units For Sale193
Vacant Housing Units Sold Not Occupied35
Vacant Housing Units For Seasonal Occasional Use448
Vacant Housing Units All Other Vacants313
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units9907
Housing Tenure Occupied Units Owner Occupied6114
Housing Tenure Occupied Units Owner Occupied Population14824
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied3793
Housing Tenure Occupied Units Renter Occupied Population9968
Housing Tenure Occupied Units Renter Occupied Average Household Size3