Best Santa Rosa Homeowners Insurance Quotes (2025)
USAA, Allstate, and Chubb offer the best homeowners insurance policies in Santa Rosa.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Homeowners in Santa Rosa pay an average of $1,995 per year for home insurance with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. This rate aligns with California’s annual average of $1,965. What sets Santa Rosa apart isn’t the cost but the risk.
The city sits on three fault lines, yet standard home insurance doesn’t cover earthquakes.[1] Wildfires are another threat.[2] Although homeowners insurance typically covers wildfire damage, many insurers are leaving California’s struggling insurance market.[3] This makes it essential to compare insurance quotes from several companies to find the best price.
Quick Facts
Santa Rosa homeowners can lower premiums through Safer from Wildfires upgrades.
Homeowners insurance covers damages only up to your policy limits.
The California Earthquake Authority issues most earthquake insurance policies in Santa Rosa.
Best home insurance companies in Santa Rosa
Understanding what home insurance covers is key for Santa Rosa homeowners to find a quality insurer. Keep in mind that your ideal home insurance policy type depends on your circumstances and coverage requirements.
Best company for wildfire coverage: USAA
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $82/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $111/mo |
USAA is one of the best home insurance companies for wildfire coverage. Its Wildfire Response Program isn’t an add-on — it’s built right into your homeowners insurance policy. This coverage protects your home during or after a wildfire by sending firefighters to reduce fire risk. They may clear combustible materials, clean roofs and gutters, apply fire retardants, and address hotspots after the fire passes through your property.
Pros
Automatic replacement cost coverage with no depreciation on belongings
Highest overall J.D. Power customer satisfaction score[4]
Choose your own payment due date for easier budgeting
Cons
Available only to military personnel, veterans, and their families
Few options to customize coverage
Limited customer service hours
Best company for Santa Rosa homeowners on a budget: Allstate
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $87/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $140/mo |
Allstate offers some of the most affordable home insurance in Santa Rosa. You’ll find plenty of discounts for bundling home and auto coverage, paying on time, and continuing to be an Allstate customer. You get two coverage options for your personal property: one that pays what your items are worth today and one that pays to replace them with brand-new items.
Pros
Budget-friendly coverage options in Santa Rosa
Plenty of discounts to lower premiums
Optional coverages to customize policies
Cons
No option for online quotes
Below-average J.D. Power customer satisfaction score
Below-average J.D. Power property claims satisfaction score[5]
Best company for excellent service: Chubb
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $141/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $206/mo |
Chubb is a strong contender for home insurance if customer service is high on your priority list. It took first place in the J.D. Power 2025 U.S. Property Claims Satisfaction Study and for customer satisfaction in the J.D. Power 2024 U.S. Home Insurance Study. If you opt for the top-tier policy, coverage includes wildfire defense services.
Pros
Replaces personal belongings with no depreciation
Many available discounts
Extra coverage available for high-value collectibles, jewelry, and art
Cons
No local insurance agents in Santa Rosa
Limited options to customize coverage
No online quotes
Our editorial team analyzed regional and national home insurance companies that sell policies in Santa Rosa to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Santa Rosa
Allstate is the clear winner for the cheapest homeowners insurance on average in Santa Rosa. Still, you’ll find several affordable options in the area to protect your home.
The table below shows the average annual premium for $300,000 in dwelling coverage with a $1,000 deductible.
Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $774 |
| Mercury | $1,242 |
| CSE | $1,252 |
| Farmers | $1,322 |
| USAA | $1,339 |
| State Farm | $1,346 |
| Nationwide | $1,429 |
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How much is home insurance in Santa Rosa?
Santa Rosa homeowners typically pay around $1,995 per year for a policy with $300,000 in dwelling protection and a $1,000 deductible. Your actual home insurance bill can vary depending on your home’s construction type, how close you are to a fire station, and whether your home is in a Fire Hazard Severity Zone (FHSZ).[6]
Cost of home insurance by dwelling coverage in California
Dwelling coverage pays to rebuild your home if a covered peril damages or destroys it, and the higher your coverage, the higher your cost. Homeowners who own a modest Montgomery Village ranch-style home typically pay much less for insurance than people who live in a sprawling custom-built home in the Mayacama foothills.
Check out the table below for the annual average premiums for different coverage limits with a $1,000 deductible.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $1,024 |
| $200,000 | $1,486 |
| $300,000 | $1,965 |
| $400,000 | $2,424 |
| $500,000 | $2,855 |
Cost of homeowners insurance by deductible amount
Your home insurance deductible is the amount you pay out of pocket before your insurance kicks in. If you choose a $500 deductible, you’ll pay less if you file a claim, but it’ll also bump up your premium. On the other hand, choosing a $1,000 deductible could mean slightly cheaper insurance rates but higher out-of-pocket costs when filing a claim.
The table below shows the difference in price between $300,000 dwelling policies with $500 and $1,000 deductibles.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $2,079 |
| $1,000 | $1,995 |
Average cost of home insurance in other cities in California
The average cost of home insurance varies. Homeowners see very different insurance rates across California’s patchwork of microclimates and risk zones. Even different ZIP codes in the same city can have higher or lower insurance costs. The price gap is due mainly to wildfire risk, earthquake history, fluctuating property values, and local crime statistics.[7]
See rates in the table below for different cities in California with $300,000 in dwelling coverage and a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| San Diego | $1,656 |
| Sacramento | $1,662 |
| Fresno | $1,672 |
| Bakersfield | $1,725 |
| South Lake Tahoe | $1,845 |
| Anaheim | $1,923 |
| San Francisco | $1,946 |
| Santa Rosa | $1,995 |
| Long Beach | $2,103 |
| Los Angeles | $2,525 |
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What to know about owning a home in Santa Rosa
Along with the perks of living in wine country, buying a home in Santa Rosa comes with distinct challenges. The threat of wildfires can’t be overstated — 81% of all Santa Rosa properties are at risk of wildfire damage.
Because of the growing wildfire problem, many insurers have raised prices, canceled or non-renewed policies, or quit doing business in California altogether. Many homeowners have turned to coverage through the California FAIR Plan when traditional insurers have declined to offer it.[8]
And while standard homeowners insurance covers wildfire damage, it excludes earthquake coverage, which requires a separate policy. Many California homeowners buy protection through the California Earthquake Authority.
Compare quotes from several insurers and ask questions about your policy if you live in a wildfire-prone area. The state’s Safer from Wildfires program offers rate reductions through simple home upgrades. These include installing vents that block burning embers from entering your home and clearing brush and flammable materials around your property.
Santa Rosa home insurance FAQs
Here are answers to some of Santa Rosa homeowners’ most common questions when shopping for home insurance.
Santa Rosa homeowners pay an annual average of $1,995 for home insurance. But remember that standard policies don’t cover earthquakes — adding earthquake insurance increases your cost.
Allstate offers the most affordable coverage in Santa Rosa, with average annual premiums of $774. Your rate may be higher or lower, depending on your neighborhood, your home’s age, construction type, and other factors.
California homeowners pay approximately $2,855 annually for a home insurance policy with $500,000 worth of dwelling coverage. Unless you’re in a high-risk area, Santa Rosa rates tend to run slightly below the state average.
Simply put, the 80% rule in homeowners insurance requires you to insure your home for at least 80% of what it would cost to rebuild. For a house that would cost $825,000 to replace, you’d need at least $660,000 in dwelling coverage.
Some Santa Rosa insurance companies give special deals to homeowners 55 and older. Allstate gives discounts to retired homeowners over 55, and Liberty Mutual offers savings through its partnership with the American Senior Benefits Association.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
- City of Santa Rosa. "Preparing to Shelter in Place."
- First Street. "Does Santa Rosa have Wildfire Risk?."
- University of California. "Here's why you can't get home insurance in California."
- J.D. Power. "2024 U.S. Home Insurance Study."
- J.D. Power. "2025 U.S. Property Claims Satisfaction Study."
- Santa Rosa Fire. "Wildfire Ready."
- Insurance Information Institute. "Facts + Statistics: Homeowners and renters insurance."
- California FAIR Plan Property Insurance. "Can't find fire insurance?."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.