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.
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 |
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 |
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 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Berkeley | $101 to $103 |
| Albany | $100 |
| Emeryville | $92 |
| Kensington | $102 |
| Coverage ($) | 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 |
| 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 | |
| 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 |
| 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 |