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.

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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

PlaceSavings For Senior Occupied Homes
Berkeley$101 to $103

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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Berkeley, CA1.9%8.1%

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 ($)
1500002504-6 YearsIDS Property Casualty514
150000500NewAmica Mutual490
1500005001-3 YearsForemost Insurance627
1500005004-6 YearsCSE Safeguard453
1500005007-15 YearsHorace Mann436
1500005007-15 YearsPrivilege Underwriters Exch915
15000050016-25 YearsGrange631
15000050041-70 YearsPacific Specialty528
2000005001-3 YearsWawanesa336
2000005004-6 YearsFirst American Ins573
25000010004-6 YearsSafeco585
250000100016-25 YearsStillwater Ins Co657
250000100016-25 YearsUniversal North America759
250000100026-40 YearsPacific Specialty720
2500005004-6 YearsWawanesa404
25000050026-40 YearsAmerican Modern983
25000050026-40 YearsMAPFRE Group807
25000050041-70 YearsNationwide942
25000050041-70 YearsQBE (Balboa)862
3000005004-6 YearsNationwide795
3000005004-6 YearsUniversal North America686
3000005007-15 YearsIDS Property Casualty947

Berkeley, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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 CompanyGEICO InsuranceTravelers
Monthly Premium 9174102
Year Built 195019681949
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 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 Group
I would recommend this company just because of the price, it was cheapest on the market.
State Farm
I 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 Warranty
My insurance company is so expensive. i wish that i could pay less for the services offered.
Allied Insurance
It 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.
the 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.
What 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 Insurance
My 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.
I really don't dislike them at all, because I haven't filed a claim/
State Farm
We 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.
It's a big chunk to pay each year but we do not have a lot of options with a flat-roof house
I like that the company includes personal property in the policy. I also like their customer service capabilities when needed.
When 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.
I 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 Insurance
The 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.
So 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.
We 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.
It is an awesome insurance company. As I remember, when I go to its office the workers are helpful.
State Farm
The 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.
Nationwide 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.
The 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.

How To Make Your Berkeley, CA Home Insurance Cheaper

How Much Does Berkeley, CA Home Insurance Cost?