Vineyard skyline

🏠 Vineyard Home Insurance

Protect Your $598,200 Home from Vineyard’s Biggest Risks

18%
In Flood Zones
30 mi
From Fault
18%
In Flood Zones
30 mi
From Fault
65%
Have Security
95%
Homes <20 yrs
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⚠️ ATTENTION VINEYARD HOMEOWNERS: 95% of Vineyard homes built after 2000 – underinsurance risk from rapid appreciation!

Major Insurance Risks in Vineyard

Money Underinsurance Risk

HIGH RISK

New homes appreciated 45% since 2020; $330+/sq ft rebuild.

Money Bag Rebuild Gap $140K+ shortfall.
$330+
per Sq Ft
45%
Value Rise
$140K+
Gap

Update Limits

Protect $598K home.

Check Coverage

Lock Theft Risk

MEDIUM RISK

New affluent suburbs attract package and garage theft.

Warning Suburban Theft Increase personal property.
15%
Above Avg
65%
Have Security

Highest Risk Areas:

Vineyard Point Anatolia New Subdivisions

Secure Your New Home

Add $300-$1,200 for theft.

Get Theft Quote

Flood Flood Risk

MEDIUM RISK

18% in zones near Deer Creek and Laguna Creek.

Flood Creek Flood NFIP in zones.
$35M
Potential
$500-$2,100
Premium

Flood Option

Coverage from $500/yr.

Get Flood Quote

Earthquake Earthquake Risk

LOW RISK

30 miles from faults.

Earthquake Low Seismic EQ optional.
$10M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Fire Wildfire Risk

LOW RISK

Low wildfire risk.

Fire Low Fire Standard coverage.
$5M
Potential

Basic Fire

Included in HO.

Review Policy

Vineyard by the Numbers

$598K
Median Home
$1,150
Premium
25,000
Population
78.9%
Ownership

Why Vineyard Needs Specialized Insurance

About Vineyard

Location

Sacramento County
Sacramento Valley

Founded

2000 – Master-Planned
New Suburb

Population

25,000 residents in 7,143 households

Income

Median: $108,200 | Average: $138,300

Neighboring Cities

Elk Grove
Sacramento
Rancho Cordova
Florin
Laguna

Service Area

ZIP Codes: 95829, 95830
Area Codes: 916, 279

Geographic Insights

Elevation

56

Fault Distance

30 miles to Foothill Fault

Flood Zone Percentage

18%

Wildfire Hazard

Low

Emergency Services

Police

Sacramento Sheriff

Response: 5.5 min

Fire

Cosumnes Fire

Response: 5.0 min

EMS

Sacramento EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Bradshaw Rd Elk Grove Blvd Laguna Blvd

Frequently Asked Questions

Are new homes in Vineyard underinsured?

Yes – 45% appreciation since 2020. Update limits.

How much is insurance?

$1,150 avg. Add $300-$1,200 theft, $500-$2,100 flood.

Theft?

15% above avg in new areas.

Flood?

18% in creek zones.

Highest risk?

Near Deer Creek, Laguna Creek.

Data Sources

Protect Your Vineyard Home Today

Get comprehensive insurance coverage that actually protects your $598,200 home.

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