Greenfield Insurance Agency
101 Parkshore Drive, Suite 100, Folsom, CA 95630
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Folsom households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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101 Parkshore Drive, Suite 100, Folsom, CA 95630
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446 Listowe Dr, Folsom, CA 95630
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1831 Iron Point Road, Suite 100, Folsom, CA 95630
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950 Glenn Drive, Suite 130, Folsom, CA 95630
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11944 Masters Court, Folsom, CA 95630
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503 Natoma St., Folsom, CA 95630
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110 Blue Ravine Rd, Suite 105, Folsom, CA 95630
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2600 East Bidwell Street, Suite 260, Folsom, CA 95630
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Learn about insurance coverage options specific to Folsom residents.
Folsom home insurance averages $2,000-$3,500/year. Learn about wildfire risks, coverage for high-value homes, and how to find affordable rates.
Car InsuranceFolsom auto insurance costs $55-156/month. Learn about CA's new 30/60/15 requirements, US-50 accident risks, and coverage options for this Sacramento suburb.
General Insurance EducationComplete insurance guide for Folsom residents covering 2025 auto requirements, wildfire risk, flood insurance near Folsom Lake, and Sacramento foothills considerations.
Most of Folsom is classified as moderate wildfire risk, not high risk. About 2,000 homes are in identified risk zones near creek corridors and the American River/Lake Natoma area. This means most homeowners can still get standard insurance, though rates may be higher than in urban areas with no wildfire exposure. Your specific address, proximity to vegetation, and home features like roof type will affect your insurability and cost.
Expect to pay between $2,000 and $3,500 annually for home insurance in Folsom, depending on your coverage limits, deductible, location, and home features. California's statewide average is $1,976, but Folsom's higher property values (median around $732,000) push costs higher. Homes near Folsom Lake or in wildfire risk zones will be on the higher end, while newer homes in planned communities may qualify for lower rates.
The California FAIR Plan is the state's insurer of last resort for homeowners who can't get coverage through standard insurers. Most Folsom homeowners won't need it, since the area isn't considered extreme wildfire risk. However, if you're near creek corridors or have been dropped by your insurer, the FAIR Plan offers coverage up to $3 million at an average cost of $2,800 annually statewide. It's more expensive and offers less coverage than standard policies, but it's available if you need it.
Your dwelling coverage should reflect the cost to rebuild your home, not its market value. For Folsom homes with a median market value around $732,000, you'll likely need $600,000 to $800,000 in dwelling coverage, since market value includes land. Get a replacement cost estimate from your insurer, and consider extended replacement cost coverage that adds 25-50% extra in case construction costs spike after a disaster.
Standard home insurance includes personal property coverage (typically 50-70% of your dwelling limit), but policies have sublimits on electronics and business equipment—often just $2,000 to $2,500. If you work from home with expensive computers, monitors, or other tech gear, you'll need to schedule high-value items separately or add a home business endorsement. This is especially important in Folsom given the tech-heavy workforce and prevalence of home offices.
Yes, newer homes in Folsom often qualify for lower insurance rates because they're built to stricter fire-resistant building codes. Features like non-combustible siding, concrete tile roofs, dual-pane windows, and ember-resistant vents reduce wildfire risk, which insurers reward with discounts. If your home was built in the last 20 years, make sure your insurer knows about these features when quoting your policy.
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