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San Joaquin County, CA Homeowners Insurance Quotes

If you would like to compare rates and save up to 40% or more on your San Joaquin County, CA homeowners insurance, then you can easily comparison shop with us. GetHomeInsuranceQuotes.com provides multiple coverage options to choose from so you are not limited to one company, quote or coverage. In just a few minutes you can get multiple quotes from some of the top-rated home insurance companies in San Joaquin County. Our licensed agents are ready to help you review and compare the best coverage option for you and your family. The consultation process is free and only takes a few minutes. We give you the option to compare rates online or over the phone. Best of all we can compare up to 12 top rated carriers that are most competitive for homeowners living in San Joaquin County, California.

Average Premiums in San Joaquin County, CA

Residents living within San Joaquin County, CA are currently paying around $103.42 per month for a standard homeowners policy. In California, your premium could be in the average range of $1241 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage provider. This is why a large volume of homeowners are now shopping online in San Joaquin County, CA to help them find cheaper rates with enhanced coverage protection. It's important to know that your HO-3 policy, much like an HO-2 policy will ususally cover windstorms, lightning and fire damage. Your current coverage may not be protecting you from flooding, wind and hail damage, hurricanes or earthquakes. Getting the right coverage protection for your home takes some time to review the best insurance carrier for you. Would you like to easily compare up to 12 home insurance companies and let us help you lock in the a great rate with the protect you need? We look forward to working with you and providing a excellent home insurance shopping experience. Enter your zip code to start your free online quoting process or give us a call now.

For all San Joaquin 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 San Joaquin 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.

San Joaquin County, CA Housing Demographics

With 685,306 residents living within the San Joaquin County area there are over 233,755 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 161,057 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 San Joaquin County.

DemographicValues
Total Occupied Households215,007
Family Households (families)161,057
Average Owner Occupied Household Size3
Average Family Size4
Total Housing Units233,755

San Joaquin County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in San Joaquin County (FIPS: 6077), 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 San Joaquin County, CA, it's important that you look into hurricane and windstorm insurance options.

San Joaquin County, CA Home Insurance Average Premiums

Local San Joaquin, 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.

San Joaquin County, CA Coastal Wind, Hail & Flood Information

San Joaquin 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.

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • 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 […]

Discounts For Homeowners in San Joaquin 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 San Joaquin 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 San Joaquin 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 San Joaquin 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.

San Joaquin County Housing & Real Estate Data

Details:Statistics
Total Housing Units233755
Occupied Housing Units215007
Vacant Housing Units18748
Vacant Housing Units for Rent7765
Vacant Housing Units Rented Not Occupied399
Vacant Housing Units For Sale3632
Vacant Housing Units Sold Not Occupied657
Vacant Housing Units For Seasonal Occasional Use852
Vacant Housing Units All Other Vacants5443
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units215007
Housing Tenure Occupied Units Owner Occupied127270
Housing Tenure Occupied Units Owner Occupied Population388319
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied87737
Housing Tenure Occupied Units Renter Occupied Population282633
Housing Tenure Occupied Units Renter Occupied Average Household Size3