Berkeley Insurance Rates:

Berkeley, CA home insurance is approximately $575 to $780, about $47-$65/month. Our detailed analysis shows customers can save as much as $270 by comparing many quotes

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Berkeley Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $350/2 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $730,000

3 Beds, 3 Baths 2050 sqft Rental Property Constructed In 1942 with Carpet Flooring, Metal Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $720/4 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $690,000

3 Beds, 3 Bath 2060 sqft Seasonal Residence Constructed In 1947 with Carpet Flooring, Metal Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

4 Beds, 4 Baths 1900 sqft Primary Residence Constructed In 1952 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

2 Beds, 2 Bath 1770 sqft Primary Residence Constructed In 1943 with Hardwood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $170/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

2 Beds, 2 Bath 920 sqft Seasonal Residence Constructed In 1954 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1600/7 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $870,000

3 Beds, 3 Baths 2330 sqft Primary Residence Constructed In 1949 with Hardwood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1290/4 months for $700,000-$800,000 Coverage
Policy Holder Home Details :

Home Value : $710,000

3 Beds, 3 Baths 1276 sqft Primary Residence Constructed In 1952 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Berkeley, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94705 $963,500 $730
94709 $691,900 $700
94704 $675,000 $680
94703 $573,800 $660
94702 $553,200 $670
94710 $531,300 $660

Berkeley Rates & Quotes Analysis:

Berkeley Area Estimated House Insurance
Ohlone Ave, Johnson St, Roble Rd, Rosemont Ave, Harold Way, Southampton Ave, Fillmore St, Hazel Rd, Yolo Ave, Sf Oakland Bay Brg$None
Warring St, N Valley St, la Loma Ave, Tamalpais Rd, Albany Ter, Otis St, Henry, Atlas Pl, Byron St, The Spiral$714
Panoramic Pl, Beverly Pl, Summer St, Chilton Way, Northside Ave, San Ramon Ave, Claremont Cres, la Vereda Rd, Stoddard Way, Glendale Ave$707
Colorado Ave, Cragmont Ave, San Pedro Ave, Amador Ave, Buchanan St Exd, Seawall Dr, Fountain Walk, Henry St, Sonoma Ave, el Dorado Ave$718
Chabolyn Ter, W Parnassus Ct, Francis St, Parnassus Rd, Keeler Ave, Roanoke Rd, Boise St, Taft Ave, Wildcat Canyon Rd, Emerson St$716
Buena Ave, Garber St, My Way, Mariposa Ave, King St, Domingo Ave, The Crossways, Sierra St, Belrose Ave, Rugby Ave$None
Station Pl, Nogales St, Posen Ave, West Pl, Wheeler St, Northgate Ave, Rochdale Way, Pardee St, Taylor St, Bonnie Ln$708
Potter St, Berkeley Way, I- 80, Eastshore Frontage Rd, Gateview Ave, Bancroft Steps, el Portal Ct, Avalon Walk, Acroft Ct, Fairlawn Dr$710
Halcyon Ct, Hill Ct, High Ct, Kula Gulf Way, Arcade Ln, Bret Harte Way, Hilldale Ave, Belvedere Ave, Ellis St, Kittredge St$712
Hospital Dr, el Camino Real, Overlook Rd, Arch St, Olympus Ave, Ordway St, Bataan Ave, Shattuck Pl, Spaulding Ave, Vistamont Ave$715

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,455 Homes (11% of total homes ) built between 1950 to 1959 in Berkeley are paying home insurance between $1,273-$1,284. Places close to Berkeley, CA such as Kensington, Piedmont, Orinda are more expensive by $17, $94, $91 respectively while Albany and Emeryville are cheaper by $20 and $113 respectively for similar homes.
  • Bedrooms: 11,626 3 bedrooms homes (22% of total homes ) in Berkeley are paying about $251 in contrast with Albany (+$3), Kensington (+$10), Piedmont (+$26), Emeryville (-$22) and East Richmond Heights (-$12).
  • Auto Insurance Bundling: 10,414 Households (46% of all households) in Berkeley have 2 vehicles available and when it is bundled with home insurance you can save $135 and differs from Albany ($133), Emeryville ($123), Kensington ($137).
  • Senior Discounts: 13,547 seniors (more than 55 years) occupied housing units (59% of total) in Berkeley get discounts between $101 to $103 and differs from Albany ($100), Emeryville ($92), Kensington ($102).
  • New Homes discounts: New homes such as the 11,056 homes built between 2000 to 2009 in Berkeley can save $135 and similar new home insurance discounts in nearby towns and cities like Albany, Emeryville and Kensington are $133, $123 and $137 respectively.

Berkeley Homeowners insurance Facts

  • Berkeley, CA has 22,621 owner occupied houses which is 43.3% of all units whereas Albany, Emeryville and Kensington have 46.75%, 37.02% and 85.45% respectively.
  • Berkeley, CA homeowners yearly insurance price at $677 is 0.1% of the typical house value of $690,800 which is in contrast with 0.11% in Albany, 0.2% at Emeryville & 0.09% in Kensington.
  • Homeowners in Berkeley, CA pay 2.08% of their income ($30,000 to $34,999) in insurance whereas homeowners in Albany, Emeryville and Kensington pay 2.05%, 1.9% and 2.11% respectively.
  • Berkeley, CA’s insurance is 1.9% of monthly housing costs of $2,923/month, for owners with a mortgage compared to 1.85% in Albany, 2.28% at Emeryville & 1.79% in Kensington. But, for households without a mortgage, insurance is 8.1% of costs ($697 in Berkeley, CA) in contrast with 8.36% in Albany, 6.7% at Emeryville & 9.13% in Kensington.

Berkeley, CA Home Values & Insurance rates

For example, insurance for 43 Homes (1.0% of total homes ) valued between $125,000 to $149,999 in Berkeley, CA is about $128. Rates in nearby areas in such as Kensington, Tiburon, Southeast Marin are cheaper by $5, $34, $34 respectively while Albany and Emeryville are costlier by $12 and $137 respectively for similar homes.

Berkeley, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 89 2.0% $20
$60,000 to $69,999 55 1.0% $60
$70,000 to $79,999 111 3.0% $67
$80,000 to $89,999 50 1.0% $81
$90,000 to $99,999 76 2.0% $88
$100,000 to $124,999 79 2.0% $101
$125,000 to $149,999 43 1.0% $128
$150,000 to $174,999 182 5.0% $155
$175,000 to $199,999 158 5.0% $182
$200,000 to $249,999 321 10.0% $216
$250,000 to $299,999 542 17.0% $264
$300,000 to $399,999 1,380 44.0% $338

Renters Insurance in Berkeley

  • Average Renters Insurance in Berkeley :  $34($2/month)

  • Median Gross Rent in Berkeley :  $1,307

  • Berkeley Renters Insurance to Median Rent Ratio:  0.15%

  • Average household size of renter-occupied unit :  2.15

Berkeley Renters Insurance as a Percentage of Rent

Berkeley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 777 2.0% $758
$300 to $499 567 1.0% $1208
$500 to $749 2,411 8.0% $1883
$750 to $999 4,253 14.0% $2633
$1,000 to $1,499 9,591 33.0% $3758
$1,500 or more 10,838 37.0% $5408

Rent Affordability in Berkeley:

Approximately 52.0% (15,631) of households are spending more than 35% of their income on gross rent in Berkeley

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,067 10.0%
15.0 to 19.9 percent 2,845 9.0%
20.0 to 24.9 percent 3,083 10.0%
25.0 to 29.9 percent 2,725 9.0%
30.0 to 34.9 percent 2,264 7.0%
35.0 percent or more 15,631 52.0%

Berkeley Renters Insurance Discounts:

Berkeley Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Berkeley, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 14,960 50.0% $3.4
2 vehicles available 4,458 15.0% $5.1
3 or more vehicles available 1,095 3.0% $6.8

Berkeley Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,896 6.0% $130
60 to 64 years 1,723 5.0% $104
65 to 74 years 1,682 5.0% $84
75 years and over 1,115 3.0% $65

Protective device discount in Berkeley Up to :  $5

Claims-free discount in Berkeley Up to :  $6