Compare Quotes from Top Providers and Save now!

In San Jose, CA, the cost of homeowners insurance is $786 per annum on average. This translates to about $47 to $64 per month. Vhome’s extended data analysis reveals that San Jose homeowners can save up to $268 by comparing quotes and choosing the cheapest home insurance company according to their needs.

State Farm

Homeowners using State Farm, pay an insurance rate of $4,410 on a policy coverage of $400,000-$500,000, provided, they choose to pay a deductible rate of $2000. State Farm offers discounts based on factors such as (but not limited to) the age of the home, home security, and claims history, all of which make it one of the cheapest home insurance providers in San Jose.


For a house built in 1989, Allstate quoted an insurance rate of $2,532 on a policy coverage of $10,000,000, for a deductible rate of $1,000-$2,500. For homes located close to police departments and fire stations, the home insurance company lowers the insurance costs by as much as $55.

Horace Mann

Horace Mann quoted an insurance rate of $6,720 annually for a home built in 1991 on a policy coverage of $800,000-$900,000. Homeowners can reduce their insurance costs by paying a high deductible rate. Horace Mann provides discounts to homeowners who take multiple insurance policies with them.

Amica Mutual

Vhome’s analysis reveals that Amica Mutual charges $100 in home insurance rates for a deductible rate of $1,500 on a policy coverage ranging between $500,000 to $600,000. Amica Mutual provides discounts up to 15% on home insurance rates, provided, homeowners bundle their home insurance policy with auto insurance policy.

Allied Insurance

Allied Insurance is represented by its regional agents who work closely with homeowners to create a home insurance policy to cover homeowners’ needs at the cheapest insurance rates. Vhome’s analysis reveals that Allied Insurance charges $1,900 in insurance rates on a policy coverage of $500,000-$600,000.