San Leandro Insurance Rates:

San Leandro, CA home insurance is nearly $533 to $724, about $44-$60/month. Our in depth guide indicates shoppers can save upto $251 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Research about San Leandro Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in California. Compare quotes & save.

San Leandro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $610/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $465,000

5 Beds, 5 Baths 2600 sqft Seasonal Residence Constructed In 1971 with Wood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

3 Beds, 3 Bath 1760 sqft Vacation Property Constructed In 1946 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who has a Part 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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1160/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $570,000

4 Beds, 4 Baths 2530 sqft Primary Residence Constructed In 1984 with Linoleum, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $340,000

2 Beds, 2 Bath 1740 sqft Rental Property Constructed In 1982 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Baths 1420 sqft Rental Property Constructed In 1949 with Hardwood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $210/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

2 Beds, 2 Bath 1540 sqft Primary Residence Constructed In 1970 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $350/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

2 Beds, 2 Bath 1760 sqft Vacation Property Constructed In 1956 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1370/9 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $425,000

3 Beds, 3 Baths 1296 sqft Primary Residence Constructed In 1960 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

San Leandro, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94577 $404,200 $640
94579 $377,300 $630
94578 $352,100 $630

San Leandro Rates & Quotes Analysis:

San Leandro Area Estimated House Insurance
Ottawa Ave, Lark St, Marybelle Ave, Edgemoor St, Bay Fair Mall, Overlook Ct, Dorothy Ave, Wicks Blvd, Bradhoff Ave, 156th Ave$629
Victoria Ct, Sf Oakland Bay Brg, Pala Ave, Pippin St, Via del Sol, Joaquin Ave, Cary Dr, Castle St, Shining Star Ln, Buriat St$642
Beverly Ave, Blue Heron Ct, W Ave 136th, Accolade Dr, Penn Ave, Thornton St, Wengate St, Manzanita Ave, Fleming St, Santa Teresa$631
Wedgewood St, 147th Ave, Fulton Ave, Ruggles St, Dolores Ave, Regatta Ct, Lexington Ave, Manor Blvd, I- 580, Pala Ave$623
2nd Ave, Tulane Ave, Monogram Rd, Casanova Dr, Costela St, Napoleon Ct, Pescador Point Dr, Martell Ct, 151st Ave, 140th Ave$631

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,362 Homes (13% of total) built between 1960 to 1969 in San Leandro are paying home insurance between $1,100-$1,110 and varies from Castro Valley (+$50), Oakland (+$22), Fairview (+$19), Ashland (-$28) and Cherryland (-$13).
  • Bedrooms: 11,533 3 bedrooms homes (38% of total homes ) in San Leandro are paying about $233. Areas near to San Leandro such as San Lorenzo, Cherryland, Hayward are costlier by $5, $3, $7 respectively whereas Emeryville and Pacheco are more economical by $4, $11 respectively for similar homes.
  • Auto Insurance Bundling: 6,739 Households (39% of all households) in San Leandro 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 San Lorenzo, Ashland, Cherryland come to $124, $122, $124 respectively.
  • Senior Discounts: 8,451 seniors (more than 55 years) occupied housing units (49% of total) in San Leandro get discounts between $94 to $96 and varies from San Lorenzo ($93), Ashland ($91), Hayward ($94).
  • New Homes discounts: New homes such as the 10,846 homes built between 2000 to 2009 in San Leandro can save $125 in contrast with San Lorenzo ($124), Ashland ($122), Cherryland ($124).

San Leandro Homeowners insurance Facts

  • San Leandro, CA has 17,040 owner occupied houses which is 56.5% of all units whereas San Lorenzo, Ashland and Cherryland have 72.99%, 36.5% and 36.52% respectively.
  • San Leandro, CA homeowners yearly insurance price at $629 is 0.16% of the typical house value of $386,800 which is in contrast with 0.17% in San Lorenzo, 0.22% at Ashland & 0.19% in Cherryland.
  • Homeowners in San Leandro, CA pay 1.14% of their income ($50,000 to $59,999) in insurance whereas homeowners in San Lorenzo, Ashland and Cherryland pay 1.13%, 1.11% and 1.13% respectively.
  • San Leandro, CA’s insurance is 2.2% of monthly housing costs of $2,346/month, for owners with a mortgage compared to 2.4% in San Lorenzo, 2.38% at Ashland & 2.55% in Cherryland. But, for households without a mortgage, insurance is 12.3% of costs ($425 in San Leandro, CA) in contrast with 16.99% in San Lorenzo, 13.37% at Ashland & 12.91% in Cherryland.

San Leandro, CA Home Values & Insurance rates

For example, insurance for 920 Homes (9.0% of total homes ) valued between Less than $50,000 in San Leandro, CA is about $37. Rates in nearby areas in such as Castro Valley, Oakland, Fairview are cheaper by $11, $5, $6 respectively while Ashland and Cherryland are costlier by $12 and $6 respectively for similar homes.

San Leandro, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 920 9.0% $37
$125,000 to $149,999 129 1.0% $220
$150,000 to $174,999 134 1.0% $264
$175,000 to $199,999 206 2.0% $301
$200,000 to $249,999 879 9.0% $364
$250,000 to $299,999 1,356 14.0% $446
$300,000 to $399,999 5,230 56.0% $566

Renters Insurance in San Leandro

  • Average Renters Insurance in San Leandro :  $138($11/month)

  • Median Gross Rent in San Leandro :  $1,214

  • San Leandro Renters Insurance to Median Rent Ratio:  0.91%

  • Renter occupied housing units in San Leandro :  13,139

San Leandro Renters Insurance as a Percentage of Rent

San Leandro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 373 2.0% $1234
$500 to $749 665 5.0% $1909
$750 to $999 2,478 19.0% $2659
$1,000 to $1,499 5,838 46.0% $3784
$1,500 or more 3,085 24.0% $5434

Rent Affordability in San Leandro:

Approximately 43.0% (5,688) of households are spending more than 35% of their income on gross rent in San Leandro

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,149 8.0%
15.0 to 19.9 percent 1,414 10.0%
20.0 to 24.9 percent 1,752 13.0%
25.0 to 29.9 percent 1,896 14.0%
30.0 to 34.9 percent 1,240 9.0%
35.0 percent or more 5,688 43.0%

Protective device discount in San Leandro Up to :  $20

Claims-free discount in San Leandro Up to :  $27