San Jose Insurance Rates:

San Jose, CA home insurance is nearly $572 to $773, about $47-$64/month. Our all inclusive guide indicates shoppers can save as much as $268 by getting many quotes

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San Jose Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $1010/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $655,000

3 Beds, 3 Bath 2220 sqft Vacation Property Constructed In 1980 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $570/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $405,000

2 Beds, 2 Bath 1170 sqft Seasonal Residence Constructed In 1962 with Hardwood Flooring, Composition Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $670/3 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,130,000

5 Beds, 5 Bath 3960 sqft Vacation Property Constructed In 1994 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $220/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $375,000

2 Beds, 2 Bath 1410 sqft Seasonal Residence Constructed In 1968 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1000/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $590,000

4 Beds, 4 Baths 1950 sqft Vacation Property Constructed In 1966 with Wood Flooring, Membrane Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who is Unemployed and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $850/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $575,000

2 Beds, 2 Bath 1740 sqft Seasonal Residence Constructed In 1990 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Female 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

  • 500-549 Credit Score

Home Insurance Rate of $1490/9 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $660,000

3 Beds, 3 Baths 1868 sqft Primary Residence Constructed In 1953 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $58/1 month for $150,000 Coverage
Our house would cost $125,000 to replace our 2000 square foot home including 2 Bedrooms & 2 Bathrooms to current building standards
We got absolutely no guests at home so we don't have to worry about insuring them or any accident they may cause.
Home Insurance Rate of $80/1 month for $400,000 Coverage
4 bdrm, 2.5 bth Dutch colonial and high efficiency furnace, flooring and carpeting. Hardwoods, formal dining room, living room, 1 gas fireplace and 1 wood stove, Large patio overlooks fully fenced yard.
Work in tech as an engineer, Don't smoke, 1st house & mortgage was just refinanced

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San Jose Rates & Quotes Analysis:

San Jose Area Estimated House Insurance
Garrett Ct, Warrington Ave, Campus Dr E, Essex Ave, Monarch Ln, Puritani Way, Bello Ave, Claremont Ave, Masonwood St, Kenbrook Cir$611
Wakefield Ter, Vista Creek Dr, Marlyn Way, Ljepava Dr, Kenyon Ct, Sandpebble Dr, Merz Ct, Irlanda Way, Friar Way, Big Sur Dr$581
N 19th St, Sapa Ct, Kennedy Ct, Pamlar Ave, Chagall St, Rebecca Way, Ln B E, San Ramon Ave, Encanto Way, Garden Manor Ct$646
Transport St, Napoli Loop, Autrey St, Hicks Rd, Adelong Way, Walter Hays Dr, Jasmine Cir, Gerald Zapelli Ct, Arroyo Dr, Live Oak Dr$709
Filbert Way, Buchser Way, Rosswood Dr, Simberlan Dr, Winslow Dr, Drumm Ct, Fairorchard Ave, Blythe Ct, Castile Ct, Great Mall Pkwy$689
Santa Ynez St, Ferndale Dr, Mirage Way, Queensbury Ave, Jill Ave, Sonora Ave, Yucca Ave, Loire Ct, Camille Ct, Quinnhill Rd$649
Clarkspur Ln, Torrey Pines Cir, Four Oaks Cir, Malvern Ct, Ronco Dr, Merriman Rd, N Almaden Blvd, Alice Way, Spanishgate Ct, Kerryshire Ln$723
N Bernardo Ave, N 30th St, Frederick Ave, Mendelsohn Ln, Hunter Way, Herchell Dr, Wool Creek Dr, el Monte Way, Thurston Ave, Parc Ln$None
Capurso Way, Ranchero Dr, Pearl Ave, Burke St, Sussex Park Ct, Morocco Dr, Redwood Cir, Nimrick Ln, Loma Verde Ave, Wessex Pl$None
Juliet Ave, Rice Dr, Ashbourne Dr, Barbara Ave, Olive Branch Ct, Fernbrook Ct, Thomas Dr, Greenridge Ter, Urshan Ct, Freedom Dr$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 98,776 Homes (16% of total homes ) built between 1950 to 1959 in San Jose are paying home insurance between $1,263-$1,273. Places close to San Jose, CA such as Cambrian Park, Los Gatos, Sunnyvale are more expensive by $17, $104, $16 respectively while Fruitdale and Santa Clara are cheaper by $16 and $11 respectively for similar homes.
  • Bedrooms: 115,833 4 bedrooms homes (20% of total homes ) in San Jose are paying about $410. Areas near to San Jose such as Cambrian Park, Los Gatos, Sunnyvale are costlier by $13, $34, $12 respectively whereas Fruitdale and Santa Clara are more economical by $5, $3 respectively for similar homes.
  • Auto Insurance Bundling: 149,035 Households (45% of all households) in San Jose have 2 vehicles available and when it is bundled with home insurance you can save $134. Discounts for similar bundling in close by locations such as Fruitdale, Campbell, Santa Clara come to $132, $134, $133 respectively.
  • Senior Discounts: 143,755 seniors (more than 55 years) occupied housing units (44% of total) in San Jose get discounts between $100 to $102. The comparative concessions in proximate regions such as Fruitdale, Campbell and Cambrian Park are $99, $100 and $102 respectively.
  • New Homes discounts: New homes such as the 209,922 homes built between 2000 to 2009 in San Jose can save $134 compared to Fruitdale ($132), Campbell ($134), Santa Clara ($133).

San Jose Homeowners insurance Facts

  • San Jose, CA has 324,591 owner occupied houses which is 57.3% of all units whereas Fruitdale, Campbell and Santa Clara have 46.17%, 53.01% and 46.21% respectively.
  • San Jose, CA homeowners yearly insurance price at $672 is 0.1% of the typical house value of $659,100 which is in contrast with 0.11% in Fruitdale, 0.1% at Campbell & 0.11% in Santa Clara.
  • Homeowners in San Jose, CA pay 1.58% of their income ($40,000 to $44,999) in insurance whereas homeowners in Campbell, Santa Clara and Cambrian Park pay 1.58%, 1.57% and 1.6% respectively.
  • San Jose, CA’s insurance is 1.8% of monthly housing costs of $3,086/month, for owners with a mortgage compared to 2.36% in Fruitdale, 1.85% at Campbell & 1.9% in Santa Clara. But, for households without a mortgage, insurance is 9.8% of costs ($572 in San Jose, CA) in contrast with 11.96% in Fruitdale, 10.22% at Campbell & 13.98% in Santa Clara.

San Jose, CA Home Values & Insurance rates

For example, insurance for 1,673 Homes (2.0% of total homes ) valued between $70,000 to $79,999 in San Jose, CA is about $73. Rates in nearby areas in such as Los Gatos, Saratoga, Cupertino are cheaper by $23, $23, $23 respectively while Fruitdale and Campbell are costlier by $6 and $1 respectively for similar homes.

San Jose, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 6,300 10.0% $20
$50,000 to $59,999 1,948 3.0% $47
$60,000 to $69,999 1,523 2.0% $60
$70,000 to $79,999 1,673 2.0% $73
$80,000 to $89,999 1,704 2.0% $80
$90,000 to $99,999 1,347 2.0% $94
$100,000 to $124,999 2,420 3.0% $107
$125,000 to $149,999 1,805 2.0% $134
$150,000 to $174,999 2,524 4.0% $161
$175,000 to $199,999 2,205 3.0% $188
$200,000 to $249,999 6,036 9.0% $228
$250,000 to $299,999 7,744 12.0% $275
$300,000 to $399,999 25,668 40.0% $356

Renters Insurance in San Jose

  • Average Renters Insurance in San Jose :  $45($3/month)

  • Median Gross Rent in San Jose :  $1,514

  • San Jose Renters Insurance to Median Rent Ratio:  0.2%

  • Renter occupied housing units in San Jose :  241,574

San Jose Renters Insurance as a Percentage of Rent

San Jose Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 4,203 1.0% $761
$300 to $499 5,908 2.0% $1211
$500 to $749 8,846 3.0% $1886
$750 to $999 19,256 8.0% $2636
$1,000 to $1,499 76,631 32.0% $3761
$1,500 or more 119,709 50.0% $5411

Rent Affordability in San Jose:

Approximately 39.0% (96,517) of households are spending more than 35% of their income on gross rent in San Jose

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 32,018 13.0%
15.0 to 19.9 percent 33,083 13.0%
20.0 to 24.9 percent 32,097 13.0%
25.0 to 29.9 percent 27,733 11.0%
30.0 to 34.9 percent 20,126 8.0%
35.0 percent or more 96,517 39.0%

San Jose Renters Insurance Discounts:

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

Number of Vehicles in San Jose, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 102,398 42.0% $4.5
2 vehicles available 84,789 35.0% $6.75
3 or more vehicles available 31,484 13.0% $9.0

San Jose Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 15,335 6.0% $151
60 to 64 years 10,716 4.0% $121
65 to 74 years 11,891 4.0% $98
75 years and over 13,749 5.0% $75

Protective device discount in San Jose Up to :  $6

Claims-free discount in San Jose Up to :  $9

San Jose, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95120 $926,700 $720
95129 $845,800 $720
95135 $747,200 $700
95125 $745,200 $690
95113 $736,800 $710
95138 $733,400 $700
95130 $684,500 $700
95124 $681,800 $700
95117 $637,400 $680
95118 $608,700 $680
95148 $605,200 $670
95126 $585,600 $680
95128 $577,300 $660
95132 $575,800 $660
95139 $542,200 $670
95131 $526,700 $660
95136 $523,800 $660
95123 $506,800 $660
95119 $505,800 $650
95133 $469,800 $650
95121 $457,100 $650
95127 $444,200 $650
95112 $433,500 $640
95110 $397,700 $640
95122 $352,500 $630
95111 $348,600 $630
95116 $340,800 $630
95134 $265,000 $610