Concord Insurance Rates:

Concord, CA home insurance is nearly $533 to $721, about $44-$60/month. Our comprehensive guide shows customers can save upto $250 by getting multiple quotes

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Concord, California Homeowners Insurance Reviews separate fact from fiction. Compare realistic quotes from the best home insurance providers.

Concord Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $800/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $540,000

4 Beds, 4 Bath 2850 sqft Rental Property Constructed In 1999 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $375,000

5 Beds, 5 Baths 1810 sqft Rental Property Constructed In 1964 with Linoleum, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $395,000

3 Beds, 3 Bath 2070 sqft Seasonal Residence Constructed In 1988 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $100/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

2 Beds, 2 Bath 1250 sqft Primary Residence Constructed In 1979 with Linoleum, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $900/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $470,000

4 Beds, 4 Bath 2370 sqft Seasonal Residence Constructed In 1973 with Stone Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Divorced Male 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 Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Bath 1940 sqft Vacation Property Constructed In 1967 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/1 month for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 896 sqft Primary Residence Constructed In 1956 with Stone Flooring, Tile Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Concord, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94518 $428,800 $640
94521 $417,900 $640
94519 $352,300 $630
94520 $256,600 $610

Concord Rates & Quotes Analysis:

Concord Area Estimated House Insurance
Mount Trinity Ct, Muirfield Ln, Crescent Plz, Kimball Ct, Hale Dr, Quiet Path Ct, Coastview Ct, Arrowood Cir, Little Rd, N 3rd St$645
Sugarland Cir, Tally Ho Ct, Snowberry Ct, Davis Ave, Halifax Way, Royal Arch Dr, Floyd Ln, Watson Ct W, Kobio Dr, Holbrook Dr$646
Plum Ln, Woodmoor Dr, Farm Hill Ct, Chanel Ct, Creekridge Ln, Kenwood Dr, Dormer Ct, Buskirk Ave, Barrymore Dr, Movida Dr$608
Berendsen Ct, Warner Ln, Colorado Dr, el Campo Dr, Alro Ct, Cunningham Way, Carlson Ct, Sargent Rd, Greenmeadow Cir, Mi Casa Ct$621
Boxer Blvd, Roslyn Dr, Clearbrook Dr, Mount Olivet Ct, Sugarland Ct, Winton Dr, Raycliff Pl, Maywood Ln, N Willow Glen Ct, Heavenly Dr$636
Hazeltine Cir, Koch Ln, Malibu Dr, Karas Ct, Fair Oaks Dr, S Rosal Ave, Rishell Dr, Revere Dr, Beswick Ct, Gateway Blvd$636
Windflower Ct, St Phillip Ct, Pebble Glen Dr, Imhoff Pl, Packard Ct, Deer Oak Pl, Virginia Ln, Sandalwood Dr, Granada Dr, San Michele Ct$623
Encima Dr, Maple Ave, W Ardenwood Ct, S Hess Rd, Sheridan Rd, Tilson Dr, Canterberry Pl, Vis del Monte, Oakland Ave, Birch Ave$614
Detroit Ave, Banbury Ct, Bishop Dr, Ricardo Dr, Claudia Dr, Kahrs Ave, del Rio Cir, Delancey Ln, Keith Dr, Sunrise Hill$652
E Rishell Ct, Hiddencrest Ct, Jalalon Pl, Orleans Ct, Gary Dr, Pazzi Rd, Pardi Ln, Sunspring Ct, Penny Ln, Lynch Ct$643

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,982 Homes (18% of total homes ) built between 1950 to 1959 in Concord are paying home insurance between $1,178-$1,188. Places close to Concord, CA such as Clyde, Pleasant Hill, Contra Costa Centre are more expensive by $33, $46, $32 respectively while Pacheco and Bay Point are cheaper by $83 and $58 respectively for similar homes.
  • Bedrooms: 13,274 2 bedrooms homes (28% of total homes ) in Concord are paying about $189 in contrast with Contra Costa Centre (+$5), Clayton (+$11), Walnut Creek (+$3), Pacheco (-$14) and Contra Costa County (-$4).
  • Auto Insurance Bundling: 11,127 Households (40% of all households) in Concord have 2 vehicles available and when it is bundled with home insurance you can save $125. Discounts for similar bundling in close by locations such as Pacheco, Clyde, Pleasant Hill come to $116, $129, $130 respectively.
  • Senior Discounts: 12,748 seniors (more than 55 years) occupied housing units (46% of total) in Concord get discounts between $93 to $96. The comparative concessions in proximate regions such as Pacheco, Clyde and Pleasant Hill are $87, $96 and $97 respectively.
  • New Homes discounts: New homes such as the 13,520 homes built between 2000 to 2009 in Concord can save $125 and similar new home insurance discounts in nearby towns and cities like Pacheco, Clyde and Pleasant Hill are $116, $129 and $130 respectively.

Concord Homeowners insurance Facts

  • Concord, CA has 27,512 owner occupied houses which is 61.2% of all units whereas Pacheco, Clyde and Pleasant Hill have 78.27%, 79.12% and 59.92% respectively.
  • Concord, CA homeowners yearly insurance price at $627 is 0.17% of the typical house value of $373,900 which is in contrast with 0.58% in Pacheco, 0.13% at Clyde & 0.12% in Pleasant Hill.
  • Homeowners in Concord, CA pay 1.93% of their income ($30,000 to $34,999) in insurance whereas homeowners in Pacheco, Pleasant Hill and Contra Costa Centre pay 1.79%, 2.01% and 1.98% respectively.
  • Concord, CA’s insurance is 2.2% of monthly housing costs of $2,358/month, for owners with a mortgage compared to 2.37% in Pacheco, 2.02% at Pleasant Hill & 2.02% in Contra Costa Centre. But, for households without a mortgage, insurance is 11% of costs ($475 in Concord, CA) in contrast with 6.68% in Pacheco, 10.84% at Pleasant Hill & 8.73% in Contra Costa Centre.

Concord, CA Home Values & Insurance rates

For example, insurance for 2,477 Homes (16.0% of total homes ) valued between $250,000 to $299,999 in Concord, CA is about $457. Rates in nearby areas in such as Clyde, Pleasant Hill, Contra Costa Centre are cheaper by $96, $125, $90 respectively while Pacheco and Bay Point are costlier by $1,152 and $460 respectively for similar homes.

Concord, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,124 7.0% $37
$60,000 to $69,999 180 1.0% $106
$80,000 to $89,999 247 1.0% $137
$100,000 to $124,999 751 4.0% $181
$125,000 to $149,999 659 4.0% $225
$150,000 to $174,999 795 5.0% $269
$175,000 to $199,999 610 3.0% $313
$200,000 to $249,999 2,057 13.0% $376
$250,000 to $299,999 2,477 16.0% $457
$300,000 to $399,999 6,145 39.0% $583

Renters Insurance in Concord

  • Average Renters Insurance in Concord :  $142($11/month)

  • Median Gross Rent in Concord :  $1,243

  • Concord Renters Insurance to Median Rent Ratio:  0.88%

  • Average household size of renter-occupied unit :  2.87

Concord Renters Insurance as a Percentage of Rent

Concord Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 307 1.0% $785
$300 to $499 313 1.0% $1235
$500 to $749 783 4.0% $1910
$750 to $999 2,548 15.0% $2660
$1,000 to $1,499 7,928 46.0% $3785
$1,500 or more 5,022 29.0% $5435

Rent Affordability in Concord:

Approximately 49.0% (8,611) of households are spending more than 35% of their income on gross rent in Concord

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,104 6.0%
15.0 to 19.9 percent 2,256 12.0%
20.0 to 24.9 percent 1,861 10.0%
25.0 to 29.9 percent 1,975 11.0%
30.0 to 34.9 percent 1,610 9.0%
35.0 percent or more 8,611 49.0%

Concord Renters Insurance Discounts:

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

Number of Vehicles in Concord, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,835 44.0% $14.2
2 vehicles available 5,416 31.0% $21.3
3 or more vehicles available 2,113 12.0% $28.4

Concord Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,384 7.0% $124
60 to 64 years 554 3.0% $99
65 to 74 years 1,031 5.0% $80
75 years and over 986 5.0% $62

Protective device discount in Concord Up to :  $21

Claims-free discount in Concord Up to :  $28

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