Santa Clara Insurance Rates:

Santa Clara, CA home insurance is about $566 to $766, about $47-$63/month. Our all inclusive analysis indicates shoppers can save as much as $266 by comparing many quotes

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Santa Clara Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $450/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $525,000

4 Beds, 4 Baths 2230 sqft Seasonal Residence Constructed In 2014 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $1840/10 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $695,000

4 Beds, 4 Bath 2400 sqft Primary Residence Constructed In 1984 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $800/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $635,000

4 Beds, 4 Baths 2250 sqft Rental Property Constructed In 1970 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced 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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $485,000

4 Beds, 4 Baths 2070 sqft Primary Residence Constructed In 1969 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $410/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

3 Beds, 3 Baths 1430 sqft Primary Residence Constructed In 1970 with Wood Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/1 month for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,505,000

5 Beds, 5 Baths 4980 sqft Rental Property Constructed In 1972 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $720/7 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $370,000

1 Bed, 1 Bath 631 sqft Primary Residence Constructed In 1969 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Santa Clara, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95051 $626,000 $680
95054 $610,400 $680
95050 $606,700 $670

Santa Clara Rates & Quotes Analysis:

Santa Clara Area Estimated House Insurance
Sloat Ct, Gillmor St, Ave de Lago, Redwing Ave, Kohner Ct, E Maude Ave, Alvarado Dr, London Ave, Yale Ln, Avila Ave$701
Machado Ave, Lick Mill Blvd, Arguello Pl, Klamath Ave, Inglewood Dr, Palm View Pl, Lick Mill Blvd, N Henry Ave, Snively Ave, Raney Ct$667
Miraverde Ct, Teal Dr, Bella Vista Ct, Mission College Blvd, Santa Maria Ave, Berry Way, N Murphy Ave, Jonathan St, Goodfellow Pl, Demaret Dr$674
Madera Dr, Mission Glen Dr, N Monroe St, Midas Way, Liberty St, Kington Pl, Navarro Dr, Icefield Ct, Michael Way, Willett Pl$671
Henning Pl, Elizabeth Way, de la Cruz Blvd, Oxford Ct, Rockhurst Ct, Shamrock Ave, Ave de Los Alumnos, Soleil Ct, Briarwood Dr, Rayanna Ave$668
Sunlite Dr, Betsy Ross Dr, Lawrence Ct, Wilson Ct, Agate Ct, Gazdar Ct, Landslide Ct, Karina Way, Vallco Pkwy, Macedo Pl$701
Dorcich St, Cameron Way, Bond Pl, Northwestern Pkwy, de la Cruz Blvd, Cll del Mundo, Montgomery Dr, Higgins Ave, Laurelwood Rd, Tuliptree Ln$639
Cottonwood Ct, Sherwood Ave, Mark Ave, Macgregor Ln, Hayes Ave, Meadowlark Ave, Scanlan Pl, Keith Ln, Kingsbury Cir, Henderson Ave$650
Merrill Pl, Circle Dr, Addison Pl, Lillick Dr, Rosalia Ave, Perreira Dr, Fresno St, Spoonbill Way, Sunny Vista Dr, Hope Dr$701
Victor Ct, Rebeiro Ave, Panelli Pl, Madison St, Sage Hen Way, Clair Ct, Long St, Baird Ave, Bonita Ave, Molinaro St$652

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,832 Homes (17% of total) built between 1960 to 1969 in Santa Clara are paying home insurance between $1,166-$1,176 and differs from Sunnyvale (+$25), San Jose (+$10), Cupertino (+$107), Milpitas (-$24) and Alum Rock (-$54).
  • Bedrooms: 14,452 3 bedrooms homes (33% of total homes ) in Santa Clara are paying about $247 and differs from Sunnyvale (+$12), Cupertino (+$30), Campbell (+$3), Alum Rock (-$5) and Newark (-$4).
  • Auto Insurance Bundling: 9,372 Households (48% of all households) in Santa Clara have 2 vehicles available and when it is bundled with home insurance you can save $133 and differs from Sunnyvale ($136), San Jose ($134), Fruitdale ($132).
  • Senior Discounts: 8,169 seniors (more than 55 years) occupied housing units (42% of total) in Santa Clara get discounts between $99 to $102. The comparative concessions in proximate regions such as Sunnyvale, San Jose and Fruitdale are $102, $100 and $99 respectively.
  • New Homes discounts: New homes such as the 20,445 homes built between 2000 to 2009 in Santa Clara can save $133 compared to Sunnyvale ($136), San Jose ($134), Fruitdale ($132).

Santa Clara Homeowners insurance Facts

  • Santa Clara, CA has 19,422 owner occupied houses which is 46.2% of all units whereas Sunnyvale, San Jose and Fruitdale have 47.36%, 57.33% and 46.17% respectively.
  • Santa Clara, CA homeowners yearly insurance price at $666 is 0.11% of the typical house value of $618,600 which is in contrast with 0.1% in Sunnyvale, 0.1% at San Jose & 0.11% in Fruitdale.
  • Homeowners in Santa Clara, CA pay 2.96% of their income ($20,000 to $24,999) in insurance whereas homeowners in Sunnyvale, San Jose and Fruitdale pay 3.02%, 2.99% and 2.95% respectively.
  • Santa Clara, CA’s insurance is 1.9% of monthly housing costs of $2,920/month, for owners with a mortgage compared to 1.91% in Sunnyvale, 1.81% at San Jose & 2.36% in Fruitdale. But, for households without a mortgage, insurance is 14.0% of costs ($397 in Santa Clara, CA) in contrast with 10.14% in Sunnyvale, 9.79% at San Jose & 11.96% in Fruitdale.

Santa Clara, CA Home Values & Insurance rates

For example, insurance for 39 Homes (1.0% of total homes ) valued between $150,000 to $174,999 in Santa Clara, CA is about $173. Rates in nearby areas in such as Sunnyvale, San Jose, Cupertino are cheaper by $17, $12, $57 respectively while Milpitas and Newark are costlier by $22 and $57 respectively for similar homes.

Santa Clara, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 147 5.0% $26
$50,000 to $59,999 42 1.0% $53
$60,000 to $69,999 48 1.0% $66
$70,000 to $79,999 41 1.0% $79
$90,000 to $99,999 44 1.0% $99
$100,000 to $124,999 40 1.0% $113
$125,000 to $149,999 91 3.0% $146
$150,000 to $174,999 39 1.0% $173
$175,000 to $199,999 96 3.0% $199
$200,000 to $249,999 263 9.0% $239
$250,000 to $299,999 387 14.0% $293
$300,000 to $399,999 1,443 53.0% $372

Renters Insurance in Santa Clara

  • Average Renters Insurance in Santa Clara :  $58($4/month)

  • Median Gross Rent in Santa Clara :  $1,531

  • Santa Clara Renters Insurance to Median Rent Ratio:  0.26%

  • Average household size of renter-occupied unit :  2.62

Santa Clara Renters Insurance as a Percentage of Rent

Santa Clara Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 311 1.0% $1214
$500 to $749 632 2.0% $1889
$750 to $999 2,037 9.0% $2639
$1,000 to $1,499 7,466 33.0% $3764
$1,500 or more 11,537 52.0% $5414

Rent Affordability in Santa Clara:

Approximately 36.0% (8,194) of households are spending more than 35% of their income on gross rent in Santa Clara

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,837 16.0%
15.0 to 19.9 percent 3,310 14.0%
20.0 to 24.9 percent 3,159 13.0%
25.0 to 29.9 percent 2,570 11.0%
30.0 to 34.9 percent 1,542 6.0%
35.0 percent or more 8,194 36.0%

Santa Clara Renters Insurance Discounts:

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

Number of Vehicles in Santa Clara, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 10,497 46.0% $5.8
2 vehicles available 7,576 33.0% $8.7
3 or more vehicles available 2,623 11.0% $11.6

Santa Clara Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,207 5.0% $153
60 to 64 years 957 4.0% $122
65 to 74 years 752 3.0% $99
75 years and over 1,101 4.0% $76

Protective device discount in Santa Clara Up to :  $8

Claims-free discount in Santa Clara Up to :  $11