Bay Point Insurance Rates:

Bay Point, CA homeowners insurance is about $505 to $687, about $42-$57/month. Our extensive analysis indicates shoppers can save as much as $238 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
When i got my last premium notice they announced a new program where they would refund a certain percentage of our premiums if we had no claims in the past five years. i was told that next year would be my year to get a rebate. i have lived in this house for eight years with no claims so i am unsure as to why i didn't get one this year.
Farmer's Insurance
This past year, our roof needed to be replaced due to a large hail storm. farmers was very quick to send out an agent to look at the damage.
Progressive
I have not communicated with anyone in person or over the phone. I have only communicated online and I like that they seem to be responsive. I hope they are the same way in the event of a claim.
Metlife
Overall, I would say that you cannot go wrong with MetLife home insurance because the customer service representatives will make sure that your policy is tailored specifically to your individual homeowner needs. I have had many questions over the years and they are promptly answered by the insurance or claims representative who is answering my phone call. They are very courteous, kind, and attentive.

Bay Point, CA Homeowners Insurance By Home Value

Bay Point, CA Home Value Total Homes % of Total Average Bay Point, CA Homeowners Insurance
Less than $50,000 416 12.0% $77
$50,000 to $59,999 51 1.0% $172
$70,000 to $79,999 90 2.0% $244
$80,000 to $89,999 255 7.0% $280
$90,000 to $99,999 64 1.0% $315
$100,000 to $124,999 389 11.0% $363
$125,000 to $149,999 248 7.0% $452
$150,000 to $174,999 291 8.0% $536
$175,000 to $199,999 221 6.0% $619
$200,000 to $249,999 422 12.0% $750
$250,000 to $299,999 375 11.0% $917
$300,000 to $399,999 538 15.0% $1162

Top Home Insurance Agents Near Bay Point, CA

Home Insurance Company Near Bay Point, CA Homeowners Insurance Agency Near Bay Point, CA Address
State Farm Bill Batchelder 8887 Folsom Blvd Ste 3A, Sacramento, CA, 95826-3261
Nationwide Charles Manne Insurance Agency Inc. 4415 Cowell Rd. Ste 220, Concord, CA, 94518
State Farm Kathy Farrell 325 S I St, Livermore, CA, 94550-4656
Allstate Phuong Tran 510 N 1st St Ste 224, San Jose, CA, 95112
State Farm Rena Macdonald 1300 Oliver Rd Ste 110, Fairfield, CA, 94534-3428

Cost Of Homeowners Insurance By Street Near Bay Point, CA

Streets in Bay Point Area Homeowners Insurance Cost
Cleveland Ave, Port Chicago Hwy, Red Leaf Way, Harbor Dr, Butte Ct, Desanie Cir, Galleon Way, Santa Teresa Ct, W Catamaran Cir, Cloverbrook Cir$592
Bridgeview St, Loftus Rd, Via Ventio Way, Dawson Ct, Mariners Cove Dr, Tampico Dr, Washington St, Mc Avoy Rd, Mims Ave, San Lucas Dr$585
Havenwood Cir, Boxwood Ct, Amador Ct, Melinda Ct, Rancho Bernado Dr, Hanlon Way, Medanos Ave, Kiska Ct, Virgil Ct, Steele Ct$584
Sugartree Dr, Viking Way, Shadelands Ct, San Tomas Dr, Azores Ct, Virgil St, Tradewinds Ct, Winter Way, Mellowood St, Lane Ave$620
Saint Raphael Dr, Sharon Pl, Powell Dr, Chandler Cir, Birdhaven Way, Shoreview Ct, Banchio St, Rosemarie Pl, Fletcher Ct, Canal Rd$618

Bay Point, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bay Point$88 to $91
Pittsburg$90
Clyde$96
Concord$94

Bay Point, 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
Pittsburg city, California $76 $101 $151
Clyde CDP, California $81 $107 $161
Concord city, California $78 $104 $156

Bay Point, 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
Bay Point, CA2.8%15.0%
Pittsburg2.35%11.38%
Concord2.22%11.0%
Antioch-Pittsburg2.43%12.75%

Bay Point Renters Insurance as a Percentage of Rent

Bay Point Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 110 4.0% $1252
$500 to $749 254 9.0% $1927
$750 to $999 568 21.0% $2677
$1,000 to $1,499 953 35.0% $3802
$1,500 or more 763 28.0% $5452

Average Cost Of Home Insurance By Company In Areas Nearby Bay Point For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsEncompass803
15000025026-40 YearsUnigard Group734
150000500NewHorace Mann331
1500005004-6 YearsGrange550
15000050016-25 YearsCalifornia Capital405
15000050026-40 YearsCalifornia Capital405
15000050041-70 YearsGrange631
2000005004-6 YearsHorace Mann519
2000005004-6 YearsQBE (Balboa)547
2000005007-15 YearsAmco742
2000005007-15 YearsPrivilege Underwriters Exch1219
2000005007-15 YearsUSAA561
20000050016-25 YearsFarmers (Fire Ins)1260
25000010001-3 YearsCentury National621
25000010004-6 YearsFarmers (Fire Ins)954
25000010007-15 YearsLiberty Ins Corp922
250000100016-25 YearsGrange930
250000100016-25 YearsQBE (Balboa)664
250000100026-40 YearsMercury Ins Group533
250000100026-40 YearsPrivilege Underwriters Exch1201
250000100041-70 YearsCalifornia Capital505
250000100041-70 YearsCSE Safeguard709
25000050026-40 YearsMercury Ins Group589

Bay Point, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Bay Point Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Bay Point Home Owner from High Deductible Plan $600

Bay Point, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bay Point, CA Home Replacement Value MORE than Home Value Bay Point, CA Home Replacement Value LESS than Home Value
Replacement Value $159,500 $122,500
Insurance Premium based on Replacement Value $450 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $18,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Bay Point Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateTravelers
Monthly Premium 257172
Year Built 198019931971
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$250000-$300000$400000-$500000
Deductible $1000-$2500 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Bay Point, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1978 180,000 Wood Shake Roof 1,750 3 $5000 to $10,000 Deductible 260 10 Vinyl siding No
2003 225,000 Tile Roof 2,060 3 $2500-$5000 Deductible 250 7 Stucco siding No
2005 300,000 Membrane Roof 3,480 5 $1000-$2500 Deductible 380 5 Stone Siding No
1970 270,000 Wood Shake Roof 2,300 3 > $10,000 Deductible 180 4 Brick siding No
2001 175,000 Metal Roof 1,800 5 $1000-$2500 Deductible 70 2 Stone Siding No
1961 330,000 Membrane Roof 3,020 5 $5000 to $10,000 Deductible 500 7 Fiber-Cement Siding No
1981 210,000 Tile Roof 2,110 5 > $10,000 Deductible 260 7 Brick siding yes
1972 350,000 Shingles Roof 3,370 4 $2500-$5000 Deductible 150 3 Wood siding yes
1965 235,000 Tile Roof 1,980 5 > $10,000 Deductible 30 1 Fiber-Cement Siding No
1987 275,000 Asphalt Shingles Roof 2,750 5 $500- $1000 Deductible 300 5 Stone Siding yes
1985 130,000 Membrane Roof 1,470 3 $1000-$2500 Deductible 290 12 Vinyl siding yes
1998 205,000 Slate Shingles Roof 2,140 4 $500- $1000 Deductible 90 3 Brick siding yes
1982 360,000 Tile Roof 3,550 5 $500 Deductible 760 6 Brick siding No
1979 230,000 Slate Shingles Roof 2,280 5 $1000-$2500 Deductible 200 4 Fiber-Cement Siding No
1965 230,000 Asphalt Shingles Roof 2,130 3 > $10,000 Deductible 70 2 Fiber-Cement Siding yes
1999 305,000 Wood Shake Roof 3,060 5 $5000 to $10,000 Deductible 120 4 Stucco siding yes
1981 155,000 Asphalt Shingles Roof 1,560 3 $2500-$5000 Deductible 190 8 Brick siding No