Redding has 93,409 residents in 36,847 households. We list 4 agencies for home insurance in Redding. Here is what the local numbers say about the cover people here need.

Redding at a glance

4home insurance agencies listed
45.2%of households rentRenters insurance
$382,300median home valueHome insurance
1983median year homes were builtRebuild cost calculator
7.7%of households have no carAuto insurance
5.3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Shasta County

FEMA rates the overall natural hazard risk in Shasta County, where most Redding agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Redding
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Redding How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Where Redding agencies are

Redding agencies we list sit in 3 ZIP codes, mostly in Shasta County.

960492 agencies
960011 agency
960031 agency

Questions

Home insurance in Redding

All insurance agencies in Redding · Home insurance across California

Where can I find home insurance in Redding?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Redding?

FEMA's National Risk Index rates inland flooding risk in Shasta County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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