Berkeley Insurance Rates:

Berkeley ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Berkeley, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Berkeley, CA is $1486. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Berkeley, CA: Customer-Reviewed Options

 

Berkeley, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Berkeley, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Berkeley, CA.

Coverage Level Average Annual Premium
$100,000 $594
$200,000 $1,010
$300,000 $1,248
$400,000 $1,902
$500,000 $2,392

 

Berkeley, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Berkeley can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
094705 $1,492
94709 $1,397
94704 $1,348
94703 $1,410
94702 $1,387
94710 $1,373

 

Berkeley, CA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Berkeley, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,524
$1000 Deductible $1,363
$1500 Deductible $1,285
$2500 Deductible $1,159
$5000 Deductible $981

 

 


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

 

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%
Albany1.85%8.36%
Emeryville2.28%6.7%
Kensington1.79%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

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
Albany$100
Emeryville$92
Kensington$102

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
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 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