Sunnyvale Insurance Rates:

Sunnyvale, CA home insurance is about $576 to $783, about $48-$65/month. Our thorough analysis shows customers can save as much as $272 by comparing different quotes

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Sunnyvale, California Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Sunnyvale Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $1070/7 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $740,000

5 Beds, 5 Baths 2430 sqft Seasonal Residence Constructed In 1981 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $335,000

2 Beds, 2 Bath 1030 sqft Primary Residence Constructed In 1993 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $690/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $515,000

3 Beds, 3 Bath 1690 sqft Rental Property Constructed In 1990 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $1610/5 months for $900,000-$1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,145,000

3 Beds, 3 Baths 1619 sqft Primary Residence Constructed In 1959 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Sunnyvale, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94087 $896,300 $710
94086 $662,800 $680
94089 $171,800 $600

Sunnyvale Rates & Quotes Analysis:

Sunnyvale Area Estimated House Insurance
Egret Dr, San Andreas Ct, Parrot Ave, Lautrec Ter, Franchere Pl, Grosbeak Ave, Willow Ave, Bonita Ave, Northcove Sq, Sunrose Ter$668
Arques Ave, Duvall Ct, Saco Ter, N Wolfe Rd, Grackle Way, Molino Ave, Alderwood Ave, S Cascade Ter, Nothwind Sq, E Weddell Dr$646
S Mathilda Ave, Mistaya Ct, Painted Rock Dr, Azure St, Amherst Ct, Logan Ct, Reed Ter, Riesling Ter, Palmetto Dr, Waverly Pl$None
Braddale Ave, Harvard Ave, Olivera Ter, Autumn Ln, Prune Tree Ln, Marinovich Way, Garland Ave, Duane Ct, W Remington Dr, Pepper Ave$None
Berwick Way, Orchid Dr, W Hendy Ave, Kildare Ave, Grand Fir Ave, Calabazas Blvd, Berry Ave, Pacific Dr, Pine Ave, Fallen Leaf Ln$670
Cassia Way, Dartshire Ct, Runnymeade Ct, Siesta Dr, Arran Ct, Paintbrush Dr, Oracle Oak Pl, Molucca Ter, Schubert Dr, Olivewood St$None
Saint Lawrence Dr, Wabash St, Eureka Ave, Morningside Dr, Ositos Ave, Parkland Ct, Ashcroft Way, Litchfield Pl, Eagle Dr, Selo Dr$667
San Jule Ct, Angel Ave, Poplar Ave, Adonis Ct, Awalt Ct, Semiconductor Dr, Kamiah Way, Borregas Ave, Nuttal Oak Ct, Harwick Way$658
Newfoundland Dr, Ridgemont Dr, Larry Way, Redwing Ave, Arques Ave, Shady Oak Ln, Gonzaga Pl, Alberta Ave, 1st Ave, Colinton Way$692
Matadero Dr, Dexter Dr, Infinite Loop, Carol Lee Dr, Blackwood Ter, Fantail Ct, Socorro Ave, Lazaneo Dr, Peebles Pl, Henderson Ave$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,727 Homes (20% of total) built between 1960 to 1969 in Sunnyvale are paying home insurance between $1,191-$1,201 in contrast with Mountain View (+$16), Los Altos (+$82), San Mateo (+$46), Santa Clara (-$25) and San Jose (-$15).
  • Bedrooms: 16,963 2 bedrooms homes (31% of total homes ) in Sunnyvale are paying about $204 compared to Los Altos (+$15), Redwood City (+$3), San Mateo (+$9), Mountain View (-$3) and Santa Clara (-$10).
  • Auto Insurance Bundling: 6,914 Households (27% of all households) in Sunnyvale have 3 or more vehicles available and when it is bundled with home insurance you can save $170. Discounts for similar bundling in close by locations such as Mountain View, Santa Clara, Los Altos come to $172, $166, $181 respectively.
  • Senior Discounts: 11,600 seniors (more than 55 years) occupied housing units (45% of total) in Sunnyvale get discounts between $101 to $104. The comparative concessions in proximate regions such as Mountain View, Santa Clara and Los Altos are $103, $99 and $109 respectively.
  • New Homes discounts: New homes such as the 21,297 homes built between 2000 to 2009 in Sunnyvale can save $136 and similar new home insurance discounts in nearby towns and cities like Mountain View, Santa Clara and Los Altos are $138, $133 and $145 respectively.

Sunnyvale Homeowners insurance Facts

  • Sunnyvale, CA has 25,595 owner occupied houses which is 47.4% of all units whereas Mountain View, Santa Clara and Los Altos have 41.29%, 46.21% and 84.87% respectively.
  • Sunnyvale, CA homeowners yearly insurance price at $680 is 0.1% of the typical house value of $703,800 which is in contrast with 0.09% in Mountain View, 0.11% at Santa Clara & 0.07% in Los Altos.
  • Homeowners in Sunnyvale, CA pay 1.6% of their income ($40,000 to $44,999) in insurance whereas homeowners in Mountain View, Santa Clara and Los Altos pay 1.62%, 1.57% and 1.71% respectively.
  • Sunnyvale, CA’s insurance is 1.9% of monthly housing costs of $2,963/month, for owners with a mortgage compared to 1.76% in Mountain View, 1.9% at Santa Clara & 1.51% in Los Altos. But, for households without a mortgage, insurance is 10.1% of costs ($559 in Sunnyvale, CA) in contrast with 9.21% in Mountain View, 13.98% at Santa Clara & 6.96% in Los Altos.

Sunnyvale, CA Home Values & Insurance rates

For example, insurance for 298 Homes (5.0% of total homes ) valued between $125,000 to $149,999 in Sunnyvale, CA is about $129. Rates in nearby areas in such as Mountain View, Los Altos, Cupertino are cheaper by $12, $35, $35 respectively while Santa Clara and San Jose are costlier by $17 and $5 respectively for similar homes.

Sunnyvale, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 821 15.0% $20
$50,000 to $59,999 258 4.0% $47
$60,000 to $69,999 248 4.0% $61
$70,000 to $79,999 342 6.0% $68
$80,000 to $89,999 257 4.0% $81
$90,000 to $99,999 256 4.0% $88
$100,000 to $124,999 318 6.0% $102
$125,000 to $149,999 298 5.0% $129
$150,000 to $174,999 374 7.0% $156
$175,000 to $199,999 197 3.0% $176
$200,000 to $249,999 309 5.0% $217
$250,000 to $299,999 248 4.0% $265
$300,000 to $399,999 1,250 24.0% $333

Renters Insurance in Sunnyvale

  • Average Renters Insurance in Sunnyvale :  $28($2/month)

  • Median Gross Rent in Sunnyvale :  $1,539

  • Sunnyvale Renters Insurance to Median Rent Ratio:  0.13%

  • Average household size of renter-occupied unit :  2.5

Sunnyvale Renters Insurance as a Percentage of Rent

Sunnyvale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 459 1.0% $1207
$500 to $749 498 1.0% $1882
$750 to $999 1,509 5.0% $2632
$1,000 to $1,499 10,424 37.0% $3757
$1,500 or more 14,549 52.0% $5407

Rent Affordability in Sunnyvale:

Approximately 28.0% (8,080) of households are spending more than 35% of their income on gross rent in Sunnyvale

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 6,075 21.0%
15.0 to 19.9 percent 5,530 19.0%
20.0 to 24.9 percent 3,999 14.0%
25.0 to 29.9 percent 2,834 9.0%
30.0 to 34.9 percent 1,930 6.0%
35.0 percent or more 8,080 28.0%

Sunnyvale Renters Insurance Discounts:

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

Number of Vehicles in Sunnyvale, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 13,768 48.0% $2.8
2 vehicles available 9,827 34.0% $4.2
3 or more vehicles available 2,777 9.0% $5.6

Sunnyvale Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,584 5.0% $153
60 to 64 years 999 3.0% $123
65 to 74 years 1,073 3.0% $100
75 years and over 1,148 4.0% $76

Protective device discount in Sunnyvale Up to :  $4

Claims-free discount in Sunnyvale Up to :  $5