Alameda County Insurance Rates:

Alameda County, CA homeowners insurance is about $552 to $747, about $46-$62/month. Our exhaustive analysis indicates shoppers can save as much as $260 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Lower the Cost of Homeowners Insurance in Alameda County, California

The average cost of home insurance in Alameda County, CA, is $1852. As a homeowner in Alameda County, CA, it's important to have adequate home insurance to protect your investment. Home insurance can help cover the cost of repairs or replacement if your home is damaged by fire, wind, hail, water, or other covered perils. It can also provide liability coverage if someone is injured on your property. Many different home insurance policies are available, so it's essential to work with an experienced agent to find the one that best meets your needs. Your agent can help you determine the coverage you need and explain the various policy options available.

Before purchasing a policy, shop around and compare rates from several different insurers. Home insurance rates can vary widely, so it pays to get quotes from several companies. You can also save money on your premium by bundling your home insurance with other types, such as auto insurance. Protecting your home with adequate insurance is one of the smartest decisions you can make as a homeowner. Work with a reputable agent to find the right policy for your needs and budget, and you'll have peace of mind knowing your home is properly protected. Through its research, VHome has thoroughly looked into these elements and mentioned them here.

Cost of Insurance Based on the Coverage Level in Alameda County, CA

Home insurance in Alameda County, CA, is determined by the coverage level that the homeowner chooses. The coverage level is the amount the insurance company will pay if the home is damaged or destroyed. The higher the coverage level, the higher the cost of the insurance. The home's value determines the coverage level, the amount of the deductible, and the type of coverage. For instance, homeowners in Alameda County, California, who choose a coverage level of $100K in home insurance pay $252, while those who want a coverage level of $200K to $300K in home insurance pay $556 and $1142, respectively.

Insurance Rates in Alameda County, CA, Based on Deductibles

Your deductible is the amount of money you have to pay out of pocket before your insurance company starts paying for damages. The higher your deductible, the lower your insurance premiums will be. That's because you're taking on more of the risk yourself, which means the insurance company doesn't have to pay as much if something happens to your home. You need to be careful not to set your deductible too high. If you can't afford to pay your deductible, you might as well not have insurance at all. For instance, homeowners in Alameda County, California, who opt for a low deductible of $500 pay $1829.78 for homeowners insurance, compared to those who opt for a high deductible of $2500 who pay $1329.74.

Cost of Insurance Based on the Age of the Home in Alameda County, CA

As a home gets older, the cost of homeowners insurance often rises. This is true because older homes are more likely to have wear-and-tear problems and outmoded plumbing, heating, and electrical systems. The age of a building, which tells us a lot about its condition, affects the coverage an insurance provider can provide. Under the policy designed for older dwellings, existing buildings that have undergone renovation and are occupied by the applicant may be qualified for a particular amount of coverage. On the other hand, newly constructed homes are less likely to sustain damage; therefore, home insurance companies pay significant discounts on newly constructed homes. For instance, in Alameda County, California, homes over 40 and 50 years old pay $1900.15 and $1922.37 in home insurance, respectively. In contrast, homeowners insurance in Alameda County, California, costs $1351.96 for newly built homes.

Alameda County, CA Homeowners Insurance By Home Value

Alameda County, CA Home Value Total Homes % of Total Average Alameda County, CA Homeowners Insurance
Less than $50,000 5,388 5.0% $26
$50,000 to $59,999 1,156 1.0% $65
$60,000 to $69,999 989 1.0% $78
$100,000 to $124,999 3,008 3.0% $136
$125,000 to $149,999 2,730 2.0% $169
$150,000 to $174,999 4,782 4.0% $201
$175,000 to $199,999 3,392 3.0% $234
$200,000 to $249,999 12,421 12.0% $279
$250,000 to $299,999 15,958 16.0% $344
$300,000 to $399,999 43,775 45.0% $435

Top Home Insurance Agents Near Alameda County, CA

Home Insurance Company Near Alameda County, CA Homeowners Insurance Agency Near Alameda County, CA Address
Liberty Mutual Independent Gateway Professional Ins Svc 1990 ALAMO DR SUITE 1, VACAVILLE, CA, 95687
State Farm Gene L Daniels Chfc, Clu 39899 Balentine Drive, Newark, CA, 94560-5356
Allstate Holly H. Zhu 963 Corporate Way, Fremont, CA, 94539
Travelers I S U Insurance Of San Francisco 201 CALIFORNIA ST STE 200, SAN FRANCISCO, CA, 94111
Travelers Leonard&Leonard Insurance Agy 5043 GRAVES AVE STE A, SAN JOSE, CA, 95129

Alameda County, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Alameda County, CA

Streets in Alameda County Area Homeowners Insurance Cost
Gould St, 6th Ave, Camino Lenada St, Kingsland Pl, Sundial Cir, Kuhnle Ave, Lewis Ave, Culver Pl, Majestic Way, Keystone Dr$605
Cam Brazos, Hacienda Dr, Sycamore Creek Way, Santa Clara St, Sublett Dr, Burton Cmn, McKeown Ter, Dumbarton Ct, Kingsley Cir, Naples St$692
Longview Dr, Reading Ave, Mission Creek Ct, Windflower Dr, Fruitwood Ct, W Essex Dr, Haile St, Alton Ct, Providian Way, Parfait Ln$690
Key Ct, McFarlane Ln, Homestead Ct, Fall Ct, Spokane Rd, Sycamore Rd, Picardy Dr S, Sioux Ter, Chase St, Via Bellita$669
Lake Champlain St, Canterbury Ct, Opah Way, Stanford Ct, Deering, Matthew Ct, Cheviot Ct, Midcrest Rd, Arden Rd, Rock Walk$691
Carmar St, Pariso Ter, Chestnut Ct, Stern Ct, Firestone Ct, Harold Ave, Lake Chad Ct, Vancouver Green, Abel Pl, Heidelberg Ct$666
Pima St, Mozart Ter, Dillo St, Mabel Ave, Hawthorne Dr, Goldfinch Ter, Wellingham Dr, Peralta, Amberwood Cir, Newry Pl$624
Etta Ave, Roble Rd, Castlewood Dr, E 25th St, Espinosa Ave, Maricopa Ct, Perry Ln, Blackoak Ct, Winding Stream Ct, Elrod Ave$667
Lorenzo Ter, Crimson Cir, Bodega Ct, Ark Dr, Sea Horse, Vasco Rd, Encina Pl, Carlos Bee Blvd, Julius St, Fletcher Ln$629
Maybelle Ave, Cartwright Pl, Weiss Ct, Napier Ct, Montgomery Pl, Lundholm Ave, Santa Ray Ave, Oceana St, Peterson Way, Opal Ct$664

Alameda County, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alameda County$97 to $99
Pleasanton$102
Sunol$106
Dublin$98

Alameda County, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Pleasanton city, California $102 $136 $204
Sunol CDP, California $106 $141 $212
Dublin city, California $98 $131 $197

Alameda County, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alameda County, CA2.0%10.5%
Pleasanton1.71%8.28%
Sunol1.82%10.05%
Dublin1.74%8.73%

Alameda County Renters Insurance as a Percentage of Rent

Alameda County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 7,192 2.0% $773
$300 to $499 8,468 3.0% $1223
$500 to $749 14,681 6.0% $1898
$750 to $999 37,301 15.0% $2648
$1,000 to $1,499 92,801 38.0% $3773
$1,500 or more 79,990 32.0% $5423

Average Cost Of Home Insurance By Company In Areas Nearby Alameda County For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCentury National455
1500002504-6 YearsFirst American Ins427
15000025016-25 YearsWawanesa444
1500005001-3 YearsLiberty Ins Corp460
1500005004-6 YearsBankers Standard1878
15000050016-25 YearsUnigard Group595
15000050026-40 YearsTravelers395
15000050041-70 YearsMercury Ins Group394
2000005001-3 YearsChubb/Federal1038
2000005001-3 YearsGeneral Ins289
2000005004-6 YearsAmerican Security631
2000005007-15 YearsIntegon/National791
20000050041-70 YearsAmerican Security1464
20000050041-70 YearsUnigard Group816
25000010004-6 YearsAmerican Modern748
25000010004-6 YearsMAPFRE Group519
25000010004-6 YearsUnigard Group679
250000100016-25 YearsIntegon/National761
250000100026-40 YearsCalifornia Capital549
2500005004-6 YearsAmerican Reliable629

Latest Home Insurance Reviews by Location

Livermore, CA

State Farm
it has very useful benefits, also cheap payment, we can easily get amount by this insurance company. so i recommend the company.
Read more Livermore home insurance reviews

Pleasanton, CA

Allstate
THEIR POLICIES ARE ACTUALLY VERY GOOD. THE ONLY NEGATIVE ASPECT I CAN THINK OF IS THE LONG WAIT IT TAKES FOR THEM TO PAY YOU AFTER YOU MAKE A CLAIM
Read more Pleasanton home insurance reviews

Berkeley, CA

Geico
It is an awesome insurance company. As I remember, when I go to its office the workers are helpful.
Read more Berkeley home insurance reviews

Castro Valley, CA

Progressive
When my basement floods, they handle all of it. I never have to schedule anything but the time off from work.
Read more Castro Valley home insurance reviews

San Leandro, CA

Progressive
I would recommend it, but I do have a great passion to push it to friends or family. To each their own.
Read more San Leandro home insurance reviews

Oakland, CA

Geico
Based on the premiums (inexpensive), coverage (good and comprehensive) and ease of customer access (online or by phone), I would recommend GEICO.
Read more Oakland home insurance reviews

Hayward, CA

Progressive
I would say a 2 only because it was a pain in the ass to get our house insured. It was so hard because we're in the middle of a remodel and making some big changes
Read more Hayward home insurance reviews

Dublin, CA

State Farm
State Farm insurance customer service and claims handling is exceptional.I felt they offered me more customization home owners plans
Read more Dublin home insurance reviews

Fremont, CA

Allstate
I would recommend Allstate to others for the simple fact that I've had the for so long and i have been completely statisfied with them in many ways.
Read more Fremont home insurance reviews

Newark, CA

Progressive
that company service is made a good service experience to me.that company get the best offerd for me.service are so good
Read more Newark home insurance reviews

Alameda, CA

Geico
I have only had experience with renters insurance. I just paid renters insurance for the first time ever, through GEICO. I did it online, it was fast easy and efficient.
Read more Alameda home insurance reviews

Union City, CA

Progressive
I would absolutely recommend Progressive to anyone. I cannot attest to how their claims process goes at this point, as I haven't had to make one, but in every other way I have been very satisfied.
Read more Union City home insurance reviews

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