Hayward Insurance Rates:

Hayward, CA home insurance is roughly $535 to $724, about $44-$60/month. Our complete research reveals consumers can save as much as $251 by getting different quotes

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Hayward, California Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Hayward Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $170/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

2 Beds, 2 Bath 970 sqft Vacation Property Constructed In 1989 with Stone Flooring, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $820/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Baths 1530 sqft Primary Residence Constructed In 1992 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $820/4 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $805,000

5 Beds, 5 Baths 4940 sqft Vacation Property Constructed In 1991 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

2 Beds, 2 Bath 1250 sqft Vacation Property Constructed In 1960 with Stone Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Female who is Retired and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $860/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $665,000

5 Beds, 5 Baths 3510 sqft Vacation Property Constructed In 1973 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $230/2 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $655,000

4 Beds, 4 Baths 2263 sqft Primary Residence Constructed In 1970 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Hayward, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94542 $541,200 $670
94541 $353,000 $620
94545 $340,700 $620
94544 $323,000 $620

Hayward Rates & Quotes Analysis:

Hayward Area Estimated House Insurance
Avansino St, Chico Dr, Callaway St, Cheney Ln, Boca Raton St, Gannet Ln, New Haven Way, Stanwood Ave, Army St, Cannistraci Ln$629
Superior Ave, Times Ave, la Playa Dr, Hull Ct, Trevor St, Sunset Ct, Freshmeadow Ct, Reamer Rd, Luvena Dr, Marciel Ct$671
Marshall Ln, Compton Ct, Old Fairview Ave, Modoc Ave, Rocky Point Ct, 173rd Ave, Greenhills Ave, Sleepy Hollow Ave S, Carpentier St, Phelan Ave$646
Lemas Pl, Delta Ct, Murray Dr, Oak Terrace Rd, Helo Dr, Arthur Ave, Castille Ln, Shadow Ridge Dr, Halcyon Dr, Cooper Ave$663
Bertero Ave, Denning Ct, Via Harriet, West Ct, Sarasota Ln, Stratford Rd, Limetree Pl, Dilleta Ave, Wicks Ln, Napoleon Ct$623
170th Ave, Lone Tree Pl, Vagabond Ln, Dalmatia Pl, Victory Dr, Adair Dr, Buti Park Ct, Hacienda Ave, Chaplet St, Research Pl$594
Huntwood Way, Yosemite Way, Teola Ct, Cottage Ct, Castlewood Ct, Macatera St, Cromwell Pl, Mossy Rock Dr, N 6th St, Bailey Ranch Rd$613
Hoffman Way, Lindsay Ln, Fantail Ct, Bright Pl, Groom St, Azores Pl, Azalea Ct, Persimmon Dr, Solitaire Ct, Limehouse Ln$632
Pacific Grove Ct, Belvedere Ave, Cedarbrook Rd, Boxwood Ave, Rosewood Ct, Aylesbury Ct, Rock Springs Dr, Whitman St, Via Pacheco, Swift Ct$623
Simon St, Aldengate Way, Hillside Dr, Bermuda Ln, Anderson Pl, Warwick Ave, Oceanside Way, Carleen Dr, Forbes Ave, Windsor Dr$667

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,898 Homes (13% of total) built between 1960 to 1969 in Hayward are paying home insurance between $1,100-$1,110 and differs from Fairview (+$19), Castro Valley (+$50), Union City (+$30), Cherryland (-$13) and Ashland (-$28).
  • Bedrooms: 48,550 3 bedrooms homes (39% of total homes ) in Hayward are paying about $240 and varies from Fairview (+$3), Castro Valley (+$10), Norris Canyon (+$37), Cherryland (-$4) and Ashland (-$7).
  • Auto Insurance Bundling: 27,413 Households (39% of all households) in Hayward have 2 vehicles available and when it is bundled with home insurance you can save $125 and differs from Cherryland ($124), Ashland ($122), Fairview ($127).
  • Senior Discounts: 32,965 seniors (more than 55 years) occupied housing units (47% of total) in Hayward get discounts between $94 to $96 and varies from Cherryland ($93), Ashland ($91), Fairview ($95).
  • New Homes discounts: New homes such as the 52,065 homes built between 2000 to 2009 in Hayward can save $125 and similar new home insurance discounts in nearby towns and cities like Cherryland, Ashland and Fairview are $124, $122 and $127 respectively.

Hayward Homeowners insurance Facts

  • Hayward, CA has 68,720 owner occupied houses which is 57% of all units whereas Cherryland, Ashland and Fairview have 36.52%, 36.5% and 84.22% respectively.
  • Hayward, CA homeowners yearly insurance price at $629 is 0.16% of the typical house value of $388,700 which is in contrast with 0.19% in Cherryland, 0.22% at Ashland & 0.14% in Fairview.
  • Homeowners in Hayward, CA pay 0.84% of their income ($75,000 or more) in insurance whereas homeowners in Cherryland, Ashland and Fairview pay 0.83%, 0.82% and 0.85% respectively.
  • Hayward, CA’s insurance is 2.2% of monthly housing costs of $2,371/month, for owners with a mortgage compared to 2.55% in Cherryland, 2.38% at Ashland & 2.11% in Fairview. But, for households without a mortgage, insurance is 12.5% of costs ($419 in Hayward, CA) in contrast with 12.91% in Cherryland, 13.37% at Ashland & 11.6% in Fairview.

Hayward, CA Home Values & Insurance rates

For example, insurance for 1,129 Homes (3.0% of total homes ) valued between $175,000 to $199,999 in Hayward, CA is about $301. Rates in nearby areas in such as Fairview, Castro Valley, Union City are cheaper by $40, $85, $56 respectively while Cherryland and Ashland are costlier by $46 and $97 respectively for similar homes.

Hayward, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,918 8.0% $37
$50,000 to $59,999 438 1.0% $81
$100,000 to $124,999 717 1.0% $176
$125,000 to $149,999 650 1.0% $220
$150,000 to $174,999 1,499 4.0% $257
$175,000 to $199,999 1,129 3.0% $301
$200,000 to $249,999 4,506 12.0% $364
$250,000 to $299,999 6,435 17.0% $440
$300,000 to $399,999 16,998 46.0% $566

Renters Insurance in Hayward

  • Average Renters Insurance in Hayward :  $136($11/month)

  • Median Gross Rent in Hayward :  $1,243

  • Hayward Renters Insurance to Median Rent Ratio:  0.88%

  • Renter occupied housing units in Hayward :  51,844

Hayward Renters Insurance as a Percentage of Rent

Hayward Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 771 1.0% $784
$300 to $499 1,294 2.0% $1234
$500 to $749 1,897 3.0% $1909
$750 to $999 8,027 15.0% $2659
$1,000 to $1,499 24,056 47.0% $3784
$1,500 or more 13,908 27.0% $5434

Protective device discount in Hayward Up to :  $20

Claims-free discount in Hayward Up to :  $27