Berkeley, CA Home Insurance - Analysis On Quotes, Rates & Agents
Berkeley Insurance Rates:
Berkeley, CA homeowners insurance is approximately $575 to $780, about $47-$65/month. Our detailed analysis shows customers can save as much as $270 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Different Ways to Reduce your Home Insurance in Berkeley, CA
As a homeowner in Berkeley, CA, it is important to have homeowners insurance. There are many reasons why this type of insurance is important. For one, if your home is damaged in a fire or other disaster, your homeowner's insurance will help cover the repair cost. Additionally, if someone is injured on your property, your homeowner's insurance may help to cover their medical expenses. Finally, if you are sued by someone who was injured on your property or by someone who claims that your property damage caused them financial losses, your homeowner's insurance can help to cover the cost of your legal defence.
The average cost of homeowners insurance in Berkeley, CA, is $2263. The cost of homeowner's insurance may differ from city to city. It also depends on a variety of other elements, like the deductible, level of coverage, past claims, age of the house, location, and more. The information provided in this article will help lower Berkeley, California, homeowners' insurance rates.
By Choosing a Higher Deductible
The amount you have to pay out of yourself before your home insurance coverage begins to pay is known as the deductible. Insurance companies provide various deductible options, allowing homeowners to choose the one that best matches their requirements. In Berkeley, California, homeowners with deductibles of 1500 and 2000 pay $1904.09 and $1728.48 in premiums, respectively. However, homeowners who pay a 500 or 1000-dollar deductible pay $2235.84 and $2022.67, respectively. Therefore, the higher the deductible, the lower the premium in Berkeley, CA.
Refer to the chart below to know the amount paid by the homeowners for different deductibles in Berkeley, CA.
By Installing Security Features
Installing security features on your home is not only a great way to save on your homeowners insurance costs, but it can also give you peace of mind knowing that your home is better protected. There are a few different types of security features that you can install on your home. Still, some of the most common and effective ones include security alarms, cameras, and deadbolt locks. By installing these security features, you can help deter burglars and other criminals from targeting your home, reflecting your homeowner's insurance costs. Residents of Berkeley, California, who have installed security features like deadbolts and smoke detectors pay $2014.07 on their home insurance, and homeowners with fire alarm systems pay $2149.85 for their homeowners insurance.
By Maintaining a Zero Claims History
Maintaining a zero claims history is the best way to reduce homeowners insurance costs in Berkeley, CA. Your insurance company will view you as a lower risk if you have no claims on your record, and this will lead to lower premiums. In addition, if you have to file a claim, your rates will not increase as much as they would if you had a claims history. For instance, homeowners in Berkeley, CA, who have never filed a claim must pay a premium of $1991.44, whereas those who have filed one or two claims must pay $2376.15 and $2579.82, respectively.
Berkeley, CA Homeowners Insurance By Home Value
| Berkeley, CA Home Value | Total Homes | % of Total | Average Berkeley, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 89 | 2.0% | $20 |
| $60,000 to $69,999 | 55 | 1.0% | $60 |
| $70,000 to $79,999 | 111 | 3.0% | $67 |
| $80,000 to $89,999 | 50 | 1.0% | $81 |
| $90,000 to $99,999 | 76 | 2.0% | $88 |
| $100,000 to $124,999 | 79 | 2.0% | $101 |
| $125,000 to $149,999 | 43 | 1.0% | $128 |
| $150,000 to $174,999 | 182 | 5.0% | $155 |
| $175,000 to $199,999 | 158 | 5.0% | $182 |
| $200,000 to $249,999 | 321 | 10.0% | $216 |
| $250,000 to $299,999 | 542 | 17.0% | $264 |
| $300,000 to $399,999 | 1,380 | 44.0% | $338 |
Top Home Insurance Agents Near Berkeley, CA
| Home Insurance Company Near Berkeley, CA | Homeowners Insurance Agency Near Berkeley, CA | Address |
|---|---|---|
| Travelers | Alliant Insurance Services Inc | 100 PINE ST 11TH FL, SAN FRANCISCO, CA, 94111 |
| State Farm | Burch Boehner | 201 E Taylor St Ste 2, San Jose, CA, 95112-5036 |
| State Farm | Dennis Whittaker | 20395 Pacifica Dr Ste 108, Cupertino, CA, 95014-3016 |
| Travelers | Gerardo Carbajal Ins Inc | 1900 OLYMPIC BLVD STE 103, WALNUT CREEK, CA, 94596 |
| State Farm | Rick Wernick | 1683 Novato Blvd, Novato, CA, 94947-3284 |
Berkeley, CA Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Berkeley, CA
| Streets in Berkeley Area | Homeowners Insurance Cost |
|---|---|
| Ohlone Ave, Johnson St, Roble Rd, Rosemont Ave, Harold Way, Southampton Ave, Fillmore St, Hazel Rd, Yolo Ave, Sf Oakland Bay Brg | $None |
| Warring St, N Valley St, la Loma Ave, Tamalpais Rd, Albany Ter, Otis St, Henry, Atlas Pl, Byron St, The Spiral | $714 |
| Panoramic Pl, Beverly Pl, Summer St, Chilton Way, Northside Ave, San Ramon Ave, Claremont Cres, la Vereda Rd, Stoddard Way, Glendale Ave | $707 |
| Colorado Ave, Cragmont Ave, San Pedro Ave, Amador Ave, Buchanan St Exd, Seawall Dr, Fountain Walk, Henry St, Sonoma Ave, el Dorado Ave | $718 |
| Chabolyn Ter, W Parnassus Ct, Francis St, Parnassus Rd, Keeler Ave, Roanoke Rd, Boise St, Taft Ave, Wildcat Canyon Rd, Emerson St | $716 |
| Buena Ave, Garber St, My Way, Mariposa Ave, King St, Domingo Ave, The Crossways, Sierra St, Belrose Ave, Rugby Ave | $None |
| Station Pl, Nogales St, Posen Ave, West Pl, Wheeler St, Northgate Ave, Rochdale Way, Pardee St, Taylor St, Bonnie Ln | $708 |
| Potter St, Berkeley Way, I- 80, Eastshore Frontage Rd, Gateview Ave, Bancroft Steps, el Portal Ct, Avalon Walk, Acroft Ct, Fairlawn Dr | $710 |
| Halcyon Ct, Hill Ct, High Ct, Kula Gulf Way, Arcade Ln, Bret Harte Way, Hilldale Ave, Belvedere Ave, Ellis St, Kittredge St | $712 |
| Hospital Dr, el Camino Real, Overlook Rd, Arch St, Olympus Ave, Ordway St, Bataan Ave, Shattuck Pl, Spaulding Ave, Vistamont Ave | $715 |
Berkeley, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Berkeley | $101 to $103 |
| Albany | $100 |
| Emeryville | $92 |
| Kensington | $102 |
Berkeley, 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 |
|---|---|---|---|
| Albany city, California | $100 | $133 | $200 |
| Emeryville city, California | $92 | $123 | $185 |
| Kensington CDP, California | $103 | $137 | $206 |
Berkeley, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Berkeley, CA | 1.9% | 8.1% |
| Albany | 1.85% | 8.36% |
| Emeryville | 2.28% | 6.7% |
| Kensington | 1.79% | 9.13% |
Berkeley Renters Insurance as a Percentage of Rent
| Berkeley Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 777 | 2.0% | $758 |
| $300 to $499 | 567 | 1.0% | $1208 |
| $500 to $749 | 2,411 | 8.0% | $1883 |
| $750 to $999 | 4,253 | 14.0% | $2633 |
| $1,000 to $1,499 | 9,591 | 33.0% | $3758 |
| $1,500 or more | 10,838 | 37.0% | $5408 |
Average Cost Of Home Insurance By Company In Areas Nearby Berkeley For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 4-6 Years | IDS Property Casualty | 514 |
| 150000 | 500 | New | Amica Mutual | 490 |
| 150000 | 500 | 1-3 Years | Foremost Insurance | 627 |
| 150000 | 500 | 4-6 Years | CSE Safeguard | 453 |
| 150000 | 500 | 7-15 Years | Horace Mann | 436 |
| 150000 | 500 | 7-15 Years | Privilege Underwriters Exch | 915 |
| 150000 | 500 | 16-25 Years | Grange | 631 |
| 150000 | 500 | 41-70 Years | Pacific Specialty | 528 |
| 200000 | 500 | 1-3 Years | Wawanesa | 336 |
| 200000 | 500 | 4-6 Years | First American Ins | 573 |
| 250000 | 1000 | 4-6 Years | Safeco | 585 |
| 250000 | 1000 | 16-25 Years | Stillwater Ins Co | 657 |
| 250000 | 1000 | 16-25 Years | Universal North America | 759 |
| 250000 | 1000 | 26-40 Years | Pacific Specialty | 720 |
| 250000 | 500 | 4-6 Years | Wawanesa | 404 |
| 250000 | 500 | 26-40 Years | American Modern | 983 |
| 250000 | 500 | 26-40 Years | MAPFRE Group | 807 |
| 250000 | 500 | 41-70 Years | Nationwide | 942 |
| 250000 | 500 | 41-70 Years | QBE (Balboa) | 862 |
| 300000 | 500 | 4-6 Years | Nationwide | 795 |
| 300000 | 500 | 4-6 Years | Universal North America | 686 |
| 300000 | 500 | 7-15 Years | IDS Property Casualty | 947 |
Berkeley, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Berkeley Homeowner Insurance Premium Example | $1,900 | $1,500 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $16,000 | $14,800 |
| Net Savings to Berkeley Home Owner from High Deductible Plan | $1,200 | |
Berkeley, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Berkeley, CA Home Replacement Value MORE than Home Value | Berkeley, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $1,170,000 | $890,000 |
| Insurance Premium based on Replacement Value | $3,150 | $2,400 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $110,000 | Risk Exposure from Under Insuring Coverage is $170,000 |
| Premium Impact | Insurance cheaper by $450/year | Insurance costlier by $300/year |
Example Berkeley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | GEICO Insurance | Travelers |
| Monthly Premium | 91 | 74 | 102 |
| Year Built | 1950 | 1968 | 1949 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $400000-$500000 | $900000-$1000000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |
Sample Home Insurance Rates for Berkeley, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1944 | 545,000 | Membrane Roof | 2,040 | 4 | $500 Deductible | 160 | 1 | Stucco siding | No |
| 1967 | 480,000 | Tile Roof | 1,500 | 2 | $500 Deductible | 1440 | 12 | Vinyl siding | yes |
| 1963 | 480,000 | Slate Shingles Roof | 1,500 | 3 | > $10,000 Deductible | 500 | 8 | Fiber-Cement Siding | No |
| 1944 | 475,000 | Metal Roof | 1,550 | 3 | $500 Deductible | 470 | 3 | Vinyl siding | No |
| 1942 | 435,000 | Tile Roof | 1,490 | 3 | $5000 to $10,000 Deductible | 540 | 9 | Wood siding | yes |
| 1967 | 1,040,000 | Composition Roof | 3,160 | 4 | $500 Deductible | 760 | 4 | Brick siding | yes |
| 1959 | 865,000 | Metal Roof | 3,040 | 4 | $500 Deductible | 940 | 5 | Brick siding | No |
| 1964 | 525,000 | Membrane Roof | 1,840 | 3 | $500 Deductible | 640 | 4 | Stucco siding | No |
| 1940 | 370,000 | Shingles Roof | 1,340 | 3 | $2500-$5000 Deductible | 230 | 3 | Stone Siding | No |
| 1960 | 340,000 | Shingles Roof | 1,240 | 3 | $2500-$5000 Deductible | 630 | 9 | Wood siding | yes |
| 1948 | 1,040,000 | Shingles Roof | 3,100 | 4 | $1000-$2500 Deductible | 1850 | 12 | Stone Siding | No |
| 1960 | 725,000 | Slate Shingles Roof | 2,350 | 3 | $500 Deductible | 650 | 3 | Stone Siding | No |
| 1943 | 460,000 | Slate Shingles Roof | 1,770 | 2 | $5000 to $10,000 Deductible | 600 | 7 | Stucco siding | No |
| 1946 | 500,000 | Metal Roof | 1,510 | 3 | $1000-$2500 Deductible | 930 | 9 | Vinyl siding | No |
| 1941 | 425,000 | Asphalt Shingles Roof | 1,380 | 2 | $1000-$2500 Deductible | 680 | 8 | Stone Siding | yes |
| 1964 | 700,000 | Shingles Roof | 2,280 | 3 | $500- $1000 Deductible | 750 | 4 | Fiber-Cement Siding | No |
| 1955 | 525,000 | Membrane Roof | 1,720 | 3 | $1000-$2500 Deductible | 160 | 2 | Vinyl siding | No |
| 1969 | 900,000 | Wood Shake Roof | 2,890 | 4 | > $10,000 Deductible | 1130 | 9 | Wood siding | yes |
| 1949 | 560,000 | Wood Shake Roof | 1,480 | 2 | $2500-$5000 Deductible | 680 | 9 | Stucco siding | yes |
| 1945 | 385,000 | Composition Roof | 1,370 | 2 | $1000-$2500 Deductible | 420 | 5 | Wood siding | yes |
| 1968 | 610,000 | Shingles Roof | 1,950 | 3 | $500 Deductible | 1230 | 9 | Stucco siding | No |
| 1958 | 985,000 | Composition Roof | 2,600 | 4 | $500- $1000 Deductible | 1870 | 10 | Brick siding | No |
| 1949 | 415,000 | Metal Roof | 1,460 | 3 | $1000-$2500 Deductible | 820 | 8 | Stone Siding | yes |
| 1966 | 625,000 | Shingles Roof | 2,010 | 3 | $1000-$2500 Deductible | 1320 | 12 | Vinyl siding | No |
| 1942 | 730,000 | Metal Roof | 2,050 | 3 | $500 Deductible | 350 | 2 | Stucco siding | yes |
| 1947 | 690,000 | Metal Roof | 2,060 | 3 | $500- $1000 Deductible | 720 | 4 | Brick siding | yes |
| 1952 | 515,000 | Metal Roof | 1,900 | 4 | $500 Deductible | 250 | 2 | Stone Siding | No |
| 1943 | 490,000 | Tile Roof | 1,770 | 2 | > $10,000 Deductible | 50 | 1 | Fiber-Cement Siding | yes |
| 1954 | 300,000 | Slate Shingles Roof | 920 | 2 | $1000-$2500 Deductible | 170 | 3 | Brick siding | No |
| 1949 | 870,000 | Tile Roof | 2,330 | 3 | $1000-$2500 Deductible | 1600 | 7 | Fiber-Cement Siding | yes |
| 1952 | 710,000 | Slate Shingles Roof | 1,276 | 3 | > $10,000 Deductible | 1290 | 4 | Stucco siding | yes |
Latest Home Insurance Reviews
Stillwater Insurance GroupI would recommend this company just because of the price, it was cheapest on the market.
State FarmI would recommend State Farm for home insurance to anyone in my area. The local office is small enough to have a home town feeling, but is backed by the promise of a large insurance company.
First American Home WarrantyMy insurance company is so expensive. i wish that i could pay less for the services offered.
Allied InsuranceIt was the cheapest I could find due to the fire station not being within 10 miles from my home. Allied offered to cover me at a resonable price.
Progressivethe premium and deductible for my home insurance policy was similar among most of the policies that I had shopped. where progressive came through is they offered me a better bundle deal with my auto insurance.
GeicoWhat i like about geico is that i can pay my bill online, look at the details of my account, and speak to a representative when i need to.
Farmer's InsuranceMy insurance agent is always trying to get in touch with me and it is very easy to get in touch with him should I need it. I have never had to use the actual customer service line, however I know that I can just reach out to my agent and he will take care of everything for me.
AllstateI really don't dislike them at all, because I haven't filed a claim/
State FarmWe did a lot of research before going with AAA, and are satisfied with the premium because they offered us just about the best rate once we bundled home insurance with our auto insurance.
ProgressiveIt's a big chunk to pay each year but we do not have a lot of options with a flat-roof house
EsuranceI like that the company includes personal property in the policy. I also like their customer service capabilities when needed.
MercuryWhen my policy with Northwest almost doubled, I was able to get insurance through Claverack at the same price I was paying before. Most carriers became much more expensive after Hurricane Sandy, I was really glad to get such a good premium.
ProgressiveI like the company because my rates have stayed the same, gone down, or I get discounts because I've been with them for so long.
Amica Mutual InsuranceThe process is very simple and fast. User-friendly interface for the website and mobile app. There are no hidden charges and claim process is very fast. I am so happy with this company.
National General Great customer service. Very fair about covering claims.
AllstateSo far the price and the ease of setting up have been a positive. Insurance is one of those things where you don't know how good it is until you need it.
AllstateWe have had to file twice with them in the 25 years we have been with Allstate. Both times they were there immediately, offered helped and took care of everything. We have been very happy with their service and for that I would reccommend them to others.
GeicoIt is an awesome insurance company. As I remember, when I go to its office the workers are helpful.
State FarmThe company really only contacts us when it's time to renew - there isn't any communication about what we could be doing to protect our home or improvements that they are making to their services. I would appreciate those kinds of communication.
NationwideNationwide astronomically price gouges their auto policyholders and I highly recommend all policyholders get other independent insurance company quotes and switch like I have. Nationwide is a fraudster racket.
AllstateThe company's prices are not necessarily what customers would describe as competitive. Other players have offered lower rates but the reality I understand is that I am paying for a solid reputation of an insurance provider and I have long used the company for other services as well so consistency has proved I can rely on them for this product. But again, their rates are not the lowest out of all the providers.