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Napa County, CA Homeowners Insurance Quotes

A Napa County home insurance policy can protect your home from major damages due to fires, lightning, hurricanes, high winds, theft, falling objects and even vandalism. This type of coverage is known as a basic or standard California home insurance policy.

Coastal Napa County Home Insurance

It's also important to know that flood protection is crucial for coastal areas like Napa County that are prone to hurricanes and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your standard home insurance policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Napa County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Napa County Rates & Savings!

When discussing homeowners insurance coverage within or nearby Napa County, residents are finding great ways to save time and money by getting cheaper premiums when they shop online because you can compare prices and coverages. California may not be considered the most expensive state in the country to buy home insurance, but it does rank higher than average at a nationwide rank of 24. Homeowners within Napa County, CA are currently paying $1241 for home insurance on average, where the majority of the U.S. homeownership population pays around $1,249. These average home insurance rates reflect the cost of a standard homeowners policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop lower rates with savings up to 40% or more and compare up to 12 competitive quotes for you today! Start a Napa County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Napa 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 Napa 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.

Napa County, CA Housing Demographics

With 136,484 residents living within the Napa County area there are over 54,759 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 33,053 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 Napa County.

DemographicValues
Total Occupied Households48,876
Family Households (families)33,053
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units54,759

Napa County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in Napa County (FIPS: 6055), 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 Napa County, CA, it's important that you look into hurricane and windstorm insurance options.

Napa 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:

Napa County, CA Home Insurance Average Premiums

Local Napa, 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.

Napa County, CA Coastal Wind, Hail & Flood Information

Napa 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 Napa is know for it's beautiful beaches and waterways. Because Napa County (FIPS: 6055) 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 Napa 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 Napa 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 Napa 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 Napa 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 Napa 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.

Napa County Housing & Real Estate Data

Details:Statistics
Total Housing Units54759
Occupied Housing Units48876
Vacant Housing Units5883
Vacant Housing Units for Rent1393
Vacant Housing Units Rented Not Occupied86
Vacant Housing Units For Sale743
Vacant Housing Units Sold Not Occupied185
Vacant Housing Units For Seasonal Occasional Use2322
Vacant Housing Units All Other Vacants1154
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units48876
Housing Tenure Occupied Units Owner Occupied30597
Housing Tenure Occupied Units Owner Occupied Population80285
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied18279
Housing Tenure Occupied Units Renter Occupied Population51281
Housing Tenure Occupied Units Renter Occupied Average Household Size3