Fremont Insurance Rates:

Fremont, CA home insurance is about $557 to $756, about $46-$63/month. Our exhaustive analysis reveals consumers can save upto $262 by getting different quotes

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Fremont, California Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Fremont Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $140/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

2 Beds, 2 Bath 960 sqft Vacation Property Constructed In 1999 with Hardwood Flooring, Metal Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $630/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $470,000

3 Beds, 3 Baths 1620 sqft Vacation Property Constructed In 2006 with Wood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $470,000

4 Beds, 4 Baths 1680 sqft Rental Property Constructed In 2000 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1050/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $375,000

3 Beds, 3 Baths 1470 sqft Seasonal Residence Constructed In 1987 with Stone Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Female who is Retired 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

  • Guests at home

Home Insurance Rate of $180/1 month for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $490,000

2 Beds, 2 Baths 1096 sqft Primary Residence Constructed In 1993 with Stone Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Fremont, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94539 $886,000 $720
94555 $586,600 $670
94536 $552,600 $670
94538 $482,000 $660

Fremont Rates & Quotes Analysis:

Fremont Area Estimated House Insurance
I St, Northwind Ter, Bing Pl, Los Arboles Pl, Ridgeview Ter, Oxford Pl, Blue Spruce Ln, Nicolet Ave, Ohna Ct, Hoyt St$638
Nichols Ave, Tilden Pl, Sherman Dr, J St, Leslie St, Dering Pl, Bedelio Ter, Lindenwood St, Boggs Ave, Kvistad Dr$650
Ram Ct, Parish Ave, Skye Rd, Dijon Dr, Quail Dr, Jacaranda Dr, Highland Ter, Sanborn Ter, Fairbanks Cmn, Montmartre Park Ct$None
Joyce Ave, Northern Cmn, Chamier Pl, H St, Heritage Way, Yolo Ter, Congress Ct, Val St, Chippendale Dr, Buckingham Ct$641
Capistrano Dr, Deer Rd, Sandalwood Ct, Murray Cmn, Mildred Ct, Meadowlark Dr, Industrial Dr, Korbel Ct, Mono Lake Ln, Bridgeport Pl$677
Sheffield Ln, Summerwood Dr, Ingot St, Sunriver Cmn, Haley St, Greenwich Cir, Haven Ave, Le Pomar Ter, Auckland Ct, Chelsea Dr$658
Bradley Ct, Winchester Dr, McKeown Ter, Guardino Dr, Grama Ter, Beloit St, Tuolumne Dr, Panorama Ct, Alton Ct, Russell Ct$665
Penzance Camino, Steuben Ct, Donahue Ter, Sutton Ct, Leigh St, Argonne St, Benchmark Ave, Shoshone Ct, Cygnus Ct, Black Mountain Cir$654
Baine Ave, Westwood Ave, Towhee St, Lobelia Dr, Bonner Ave, Sparrow Dr, Arce St, San Gabriel Way, Sioux Ter, Tickle Grass Ter$715
Mission Ct, Sabio Ct, Foxtail Ter, Theresa St, Sumac St, Lambert Ct, Condor Ct, Heritage Cmn, Rockport Ct, Marie Ct$661

Insurance rates are influenced by a number of factors including:

  • Year Built: 20,735 Homes (18% of total homes ) built between 1980 to 1989 in Fremont are paying home insurance between $978-$988. Places close to Fremont, CA such as Sunol, Menlo Park, Mountain View are more expensive by $80, $107, $51 respectively while Newark and Union City are cheaper by $25 and $14 respectively for similar homes.
  • Bedrooms: 38,520 3 bedrooms homes (35% of total homes ) in Fremont are paying about $243. Areas near to Fremont such as Sunol, Menlo Park, Alameda County are costlier by $20, $34, $4 respectively whereas Union City and East Palo Alto are more economical by $3, $4 respectively for similar homes.
  • Auto Insurance Bundling: 23,707 Households (35% of all households) in Fremont have 3 or more vehicles available and when it is bundled with home insurance you can save $164. Discounts for similar bundling in close by locations such as Newark, Union City, Sunol come to $159, $161, $177 respectively.
  • Senior Discounts: 27,069 seniors (more than 55 years) occupied housing units (40% of total) in Fremont get discounts between $98 to $100 compared to Newark ($95), Union City ($96), Sunol ($106).
  • New Homes discounts: New homes such as the 28,672 homes built between 2000 to 2009 in Fremont can save $131 and similar new home insurance discounts in nearby towns and cities like Newark, Union City and Sunol are $127, $129 and $141 respectively.

Fremont Homeowners insurance Facts

  • Fremont, CA has 67,098 owner occupied houses which is 65.2% of all units whereas Newark, Union City and Sunol have 68.61%, 68.19% and 75.29% respectively.
  • Fremont, CA homeowners yearly insurance price at $656 is 0.12% of the typical house value of $559,700 which is in contrast with 0.14% in Newark, 0.13% at Union City & 0.08% in Sunol.
  • Homeowners in Fremont, CA pay 1.54% of their income ($40,000 to $44,999) in insurance whereas homeowners in Newark, Union City and Sunol pay 1.5%, 1.52% and 1.67% respectively.
  • Fremont, CA’s insurance is 2.0% of monthly housing costs of $2,781/month, for owners with a mortgage compared to 2.09% in Newark, 1.94% at Union City & 1.82% in Sunol. But, for households without a mortgage, insurance is 11.5% of costs ($476 in Fremont, CA) in contrast with 12.92% in Newark, 10.47% at Union City & 10.05% in Sunol.

Fremont, CA Home Values & Insurance rates

For example, insurance for 305 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Fremont, CA is about $59. Rates in nearby areas in such as Menlo Park, Milpitas, Mountain View are cheaper by $23, $1, $18 respectively while Newark and Union City are costlier by $11 and $5 respectively for similar homes.

Fremont, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 876 5.0% $26
$50,000 to $59,999 305 1.0% $59
$60,000 to $69,999 299 1.0% $72
$80,000 to $89,999 244 1.0% $98
$100,000 to $124,999 402 2.0% $124
$125,000 to $149,999 431 2.0% $157
$150,000 to $174,999 528 3.0% $190
$175,000 to $199,999 560 3.0% $216
$200,000 to $249,999 2,073 13.0% $262
$250,000 to $299,999 2,237 14.0% $321
$300,000 to $399,999 7,665 48.0% $406

Renters Insurance in Fremont

  • Average Renters Insurance in Fremont :  $78($6/month)

  • Median Gross Rent in Fremont :  $1,488

  • Fremont Renters Insurance to Median Rent Ratio:  0.4%

  • Average household size of renter-occupied unit :  3.03

Fremont Renters Insurance as a Percentage of Rent

Fremont Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 489 1.0% $769
$300 to $499 869 2.0% $1219
$500 to $749 852 2.0% $1894
$750 to $999 1,684 4.0% $2644
$1,000 to $1,499 13,865 39.0% $3769
$1,500 or more 17,074 48.0% $5419

Rent Affordability in Fremont:

Approximately 36.0% (13,043) of households are spending more than 35% of their income on gross rent in Fremont

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,925 10.0%
15.0 to 19.9 percent 5,673 15.0%
20.0 to 24.9 percent 5,239 14.0%
25.0 to 29.9 percent 4,488 12.0%
30.0 to 34.9 percent 3,498 9.0%
35.0 percent or more 13,043 36.0%

Fremont Renters Insurance Discounts:

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

Number of Vehicles in Fremont, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 13,544 37.0% $7.8
2 vehicles available 14,091 39.0% $11.7
3 or more vehicles available 4,652 12.0% $15.6

Fremont Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 2,475 6.0% $148
60 to 64 years 1,602 4.0% $119
65 to 74 years 1,724 4.0% $96
75 years and over 2,099 5.0% $74

Protective device discount in Fremont Up to :  $11

Claims-free discount in Fremont Up to :  $15

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