San Mateo Insurance Rates:

San Mateo, CA home insurance is roughly $601 to $813, about $50-$67/month. Our in depth analysis indicates shoppers can save upto $282 by comparing different quotes

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San Mateo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $1320/8 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,230,000

5 Beds, 5 Bath 3520 sqft Primary Residence Constructed In 1991 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/4 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $970,000

4 Beds, 4 Bath 2400 sqft Primary Residence Constructed In 1981 with Stone Flooring, Metal Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1230/10 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $735,000

2 Beds, 2 Bath 1610 sqft Vacation Property Constructed In 1975 with Wood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $1470/7 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,370,000

5 Beds, 5 Baths 3430 sqft Vacation Property Constructed In 1962 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 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 :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $840/3 months for $900,000-$1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,280,000

4 Beds, 4 Baths 2276 sqft Primary Residence Constructed In 1978 with Carpet over wood flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

San Mateo, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94402 $996,800 $730
94403 $763,800 $710

San Mateo Rates & Quotes Analysis:

San Mateo Area Estimated House Insurance
Ruth Ct, Alden St, Constitution Dr, Monticello Ct, Sunset Ter, Laurel Way, Naomi Ct, Montelena Ct, Chess Dr, Cheyenne Pt$674
Center St, Deanna Dr, Alpine Rd, Westminster Ave, E Laurel Creek Rd, Hillside Ct, Sharon Rd, Vista Way, Benson Way, Greenbriar Way$None
Tinsley St, Sequoia Ct, Cathy Pl, Linden St, W Glen Way, Stilt Ct, Guildford Ave, Hillbrook Dr, la Loma Dr, Queens Ave$626
Concar Dr, Light Way, Encina Ave, Sylvan Way, Harvard Ave, Dale Ave, Alden St, Center St, Sloop Ct, Alhambra Dr$690
Country Ln, Boroughwood Pl, Tripp Rd, Ivy Dr, Palo Verde Ave, N Railroad Ave, Southgate St, Saint Francis Way, Mount Vernon Ln, E Homewood Pl$None
Vista Ct, Link Rd, Silver Hill Rd, Newbridge Ave, Woodland Way, Ada St, Bradbury Ln, Almanor Ave, Marshall Ave, Cinnabar Rd$668
Hampshire Ave, Sycamore Ct, Noel Rd, Parkdale Way, Seki Ct, del Norte Ave, McCue Ave, Trenton Pl, Brighton Ln, Estrella Way$670
Cinnamon Ct, Middle Ct, Sharon Ave, Huron Ave, Emerald Lake Pl, Bounty Dr, Santa Monica Ave, Monterey Ave, W Santa Inez Ave, Needleridge Ct$None
30th Ave, Clinton St, Compass Ln, Circle Star Way, Lassen Dr, Park Ln, E 5th Ave, Crestwood Ct, Dumont St, Ansel Ln$688
36th Ave, Bain Pl, Otay Ave, Schembri Ln, Lower Lupin Way, Eaton Rd, Sonora Dr, Olympic Ave, Windfield Ln, Monte Cresta Dr$721

Insurance rates are influenced by a number of factors including:

  • Year Built: 35,255 Homes (23% of total) built between 1950 to 1959 in San Mateo are paying home insurance between $1,328-$1,338 compared to San Carlos (+$14), Emerald Lake Hills (+$39), Loma Mar (+$23), Redwood City (-$32) and North Fair Oaks (-$87).
  • Bedrooms: 24,493 1 bedroom homes (17% of total homes ) in San Mateo are paying about $198 and varies from San Carlos (+$3), Emerald Lake Hills (+$6), Loma Mar (+$4), Redwood City (-$4) and North Fair Oaks (-$12).
  • Auto Insurance Bundling: 36,709 Households (43% of all households) in San Mateo have 2 vehicles available and when it is bundled with home insurance you can save $141. Discounts for similar bundling in close by locations such as San Carlos, Redwood City, North Fair Oaks come to $143, $138, $132 respectively.
  • Senior Discounts: 43,032 seniors (more than 55 years) occupied housing units (51% of total) in San Mateo get discounts between $105 to $108 and differs from San Carlos ($107), Redwood City ($103), North Fair Oaks ($99).
  • New Homes discounts: New homes such as the 51,722 homes built between 2000 to 2009 in San Mateo can save $141 and similar new home insurance discounts in nearby towns and cities like San Carlos, Redwood City and North Fair Oaks are $143, $138 and $132 respectively.

San Mateo Homeowners insurance Facts

  • San Mateo, CA has 83,432 owner occupied houses which is 59.4% of all units whereas San Carlos, Redwood City and North Fair Oaks have 71.32%, 52.36% and 48.61% respectively.
  • San Mateo, CA homeowners yearly insurance price at $707 is 0.08% of the typical house value of $874,100 which is in contrast with 0.08% in San Carlos, 0.09% at Redwood City & 0.11% in North Fair Oaks.
  • Homeowners in San Mateo, CA pay 1.89% of their income ($35,000 to $39,999) in insurance whereas homeowners in San Carlos, Redwood City and North Fair Oaks pay 1.91%, 1.84% and 1.76% respectively.
  • San Mateo, CA’s insurance is 1.7% of monthly housing costs of $3,570/month, for owners with a mortgage compared to 1.59% in San Carlos, 1.73% at Redwood City & 2.21% in North Fair Oaks. But, for households without a mortgage, insurance is 9.5% of costs ($619 in San Mateo, CA) in contrast with 10.31% in San Carlos, 10.85% at Redwood City & 10.41% in North Fair Oaks.

San Mateo, CA Home Values & Insurance rates

For example, insurance for 826 Homes (9.0% of total homes ) valued between Less than $50,000 in San Mateo, CA is about $14.

San Mateo, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 826 9.0% $14
$50,000 to $59,999 242 2.0% $42
$60,000 to $69,999 86 1.0% $49
$70,000 to $79,999 156 1.0% $56
$80,000 to $89,999 194 2.0% $63
$90,000 to $99,999 204 2.0% $70
$100,000 to $124,999 634 7.0% $84
$125,000 to $149,999 194 2.0% $106
$150,000 to $174,999 329 3.0% $127
$175,000 to $199,999 128 1.0% $148
$200,000 to $249,999 874 10.0% $176
$250,000 to $299,999 1,067 12.0% $219
$300,000 to $399,999 3,545 41.0% $282

Renters Insurance in San Mateo

  • Median Gross Rent in San Mateo :  $1,578

  • Average household size of renter-occupied unit :  2.63

San Mateo Renters Insurance as a Percentage of Rent

San Mateo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 984 1.0% $1192
$500 to $749 1,376 2.0% $1867
$750 to $999 4,043 7.0% $2617
$1,000 to $1,499 18,610 33.0% $3742
$1,500 or more 30,084 54.0% $5392

Rent Affordability in San Mateo:

Approximately 41.0% (23,893) of households are spending more than 35% of their income on gross rent in San Mateo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 6,652 11.0%
15.0 to 19.9 percent 8,002 14.0%
20.0 to 24.9 percent 7,706 13.0%
25.0 to 29.9 percent 6,379 11.0%
30.0 to 34.9 percent 4,403 7.0%
35.0 percent or more 23,893 41.0%

San Mateo Renters Insurance Discounts:

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

Number of Vehicles in San Mateo, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 26,077 45.0% NA
2 vehicles available 19,404 34.0% NA
3 or more vehicles available 6,713 11.0% NA

San Mateo Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 3,988 6.0% $157
60 to 64 years 2,536 4.0% $126
65 to 74 years 3,231 5.0% $102
75 years and over 3,349 5.0% $78