Pacific Creek Insurance Services - General
4120 Dale Rd J3, Modesto, CA 95356
View this agency's profile to learn more about their services.
Loading...
City directory
Modesto households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
4120 Dale Rd J3, Modesto, CA 95356
View this agency's profile to learn more about their services.
2307 Oakdale Road, Suite 400, Modesto, CA 95355
View this agency's profile to learn more about their services.
901 N Carpenter Rd, Ste 37, Modesto, CA 95351
View this agency's profile to learn more about their services.
3501 Coffee Road, Suite 1A, Modesto, CA 95355
View this agency's profile to learn more about their services.
1317 Oakdale Road, Suite 910, Modesto, CA 95355
View this agency's profile to learn more about their services.
2025 Crows Landing Rd Suite A & D, Modesto, CA 95358
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Modesto residents.
Modesto home insurance averages $1,485/year. Learn about wildfire smoke, extreme heat, earthquake coverage, and how to save on California homeowners insurance.
General Insurance EducationComplete insurance guide for Modesto residents. Learn about California's new 30/60/15 auto minimums, affordable earthquake coverage, and Central Valley risks.
Car InsuranceModesto auto insurance averages $1,772/year. Learn about California's new 30/60/15 minimums, Highway 99 risks, and how to save on Central Valley rates.
Car InsuranceModesto drivers pay $152/month average, 16% below CA rates. Learn why Central Valley insurance is cheaper than Bay Area & how to save with bundles.
The average cost of home insurance in Modesto is about $1,485 per year, or roughly $124 per month. However, rates vary significantly based on your home's age, condition, and the coverage you choose. Newer homes can get coverage for as low as $1,103 annually with providers like Allstate, while older homes typically pay around $1,298 per year.
No, standard homeowners insurance policies in California do not cover earthquake damage. You need a separate earthquake insurance policy, typically through the California Earthquake Authority or your insurer. The average cost is about $3.54 per $1,000 of coverage, which means around $1,770 annually for a $500,000 home, with deductibles ranging from 5% to 25% of your home's value.
Yes, wildfire smoke damage to your home's interior is typically covered under your dwelling and personal property coverage. If smoke infiltrates your home and damages walls, flooring, or belongings, you can file a claim. You'll need to document the damage with photos and file your claim promptly to ensure coverage.
Extreme heat is becoming the most significant emerging risk for Modesto homes. The number of days above 101.5°F is projected to increase from 7 days per year to 31 days by 2050. This extreme heat stresses HVAC systems, roofing, and exterior materials, leading to increased maintenance costs and insurance claims. Earthquake risk is also significant but often underestimated by homeowners.
Allstate consistently offers the lowest home insurance rates in Modesto, with average premiums around $1,103 to $1,170 per year. State Farm is another competitive option with slightly higher rates but excellent customer service. It's important to get quotes from multiple insurers, as rates can vary by $500 or more for the same coverage.
It depends on your location. If you're near the Tuolumne or Stanislaus rivers or in a designated flood zone, you should strongly consider flood insurance through the National Flood Insurance Program. Standard homeowners policies do not cover flood damage. Even if you're not in a high-risk flood zone, flood insurance can be relatively affordable and provide valuable protection.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network