Concord Insurance Rates:

Concord, CA homeowners insurance is nearly $533 to $721, about $44-$60/month. Our comprehensive guide shows customers can save upto $250 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend Nationwide because their customer service is impeccable and their packages vary based on what you need.
We previously had Farmers insurance. Once we had a small claim and it took legal action on our part to get the claim settled. It was not a large claim- only about $100 dollars of damage.
Farmer's Insurance
I would put 4 in here because they gave us good deal unlike other insurance. They gave us a deal which it will benefit us and it will benefit them at the same time too. I like how they matches things that will be deducted as well.
Based on quotes I get every year, esurance had the lowest premium for 3 years now, which I appreciate. But the premiums have been increasing each year even though I have never had a claim, which is frustrating.
in comparison my company is the best, since they don't put many buts and they don't charge additional things either
State Farm
I am completely satisfied with the service my insurance company provides. They have always answered any questions I have and are very quick to help on claims.
I like the reputation of my insurance company. nationwide has been around for many years and has never let me down.
State Farm
Our claim from a 2016 flood was denied. really wish there wasn't so many "outs" on claims when you ready to claim and use your insurance.
State Farm
One of the things i really like about state farm is the local reps for the company. they are local people that everyone knows.
State Farm
Our agent is a family friend which makes it much easier in terms of getting good service and knowing we aren't getting scammed by the company.
Fremont Home Insurance
That is fairly generous. especially if anything happens they will put us in a rental and take care of everything. they have a guarantee.
State Farm
My agent is available when I have a question or need information. She is easy to get a hold of and prompt in providing information. I don't get bombarded with needless communication.
I have contacted the insurance company only a few occasions. For communication and direction is enabled by chat, email and Direct call etc. Each communication has been fine
Liberty Mutual
My premium compared to the other insurance companies is the lowest around. I am very satisfied with my premium cost and coverage details.
I am completely satisfied with this company been with them for years and they have never let me down.
State Farm
I don't like it as much as I should. They talk a good game on the phone, but when I went to the office everyone was too busy to help me.
There no dislike because of the company also good,The home insurance company to basic job of a homeowners policy is to protect your home and possessions from certain perils, such as wind, hail, fire damage and theft. It also offers liability protection,
I think insurance is a bit of a rip-off, they gather tons of money to distribute on claims but for the most part, I pay more than what I get, even if I have a claim. There needs to be a progressive discount for years not used.
So far, I have been satisfied and have no complaints. They have been easy to work with. However, I cannot 100% recommend them because we have never had to make a claim.
State Farm
I would recommend this company because even though they may have some con, the pros outweigh them. The providers are easy to get in touch with and are easy to communicate with. They seem to make you feel comfortable and not frustrated when calling for assistance.
I would recommend our insurance company. They always deal with us professionally. I dont really have anything negative to say about them.
State Farm
I would definately recommend this company to anyone. I have had no issues with the company and ive been with them for the past 2 years and they have always done me right.
Well, at this time I do not have anything wrong to say about this company, in general, I like everything
I like the competitive rates and the technology platform of the mobile app. While I have never filed a claim with this company, I feel they are trustworthy and reputable based on my research and overall feel the value I receive is comparable to other companies with a slightly lower premium and the same value.
I have nothing to dislike as I have not had enough contact to dislike anything.
Liberty Mutual
Their communication is below average, and their website and apps also seem to lag behind that of their competitors.

Concord, CA Homeowners Insurance By Home Value

Concord, CA Home Value Total Homes % of Total Average Concord, CA Homeowners Insurance
Less than $50,000 1,124 7.0% $37
$60,000 to $69,999 180 1.0% $106
$80,000 to $89,999 247 1.0% $137
$100,000 to $124,999 751 4.0% $181
$125,000 to $149,999 659 4.0% $225
$150,000 to $174,999 795 5.0% $269
$175,000 to $199,999 610 3.0% $313
$200,000 to $249,999 2,057 13.0% $376
$250,000 to $299,999 2,477 16.0% $457
$300,000 to $399,999 6,145 39.0% $583

Top Home Insurance Agents Near Concord, CA

Home Insurance Company Near Concord, CA Homeowners Insurance Agency Near Concord, CA Address
State Farm Al Chen 1558 Fitzgerald Dr, Pinole, CA, 94564-2229
Farmers Brad Branagan Lutcf 1631 Lincoln Ave, Napa, CA, 94558
Travelers Jessica Liu Insurance Services 3428 BALBOA ST, SAN FRANCISCO, CA, 94121
Farmers Kelly Corwell 635 Mariners Island Blvd Ste 212, San Mateo, CA, 94404
Allstate Pauline Sham 1400A Irving St, San Francisco, CA, 94122

Concord, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Concord, CA

Streets in Concord Area Homeowners Insurance Cost
Mount Trinity Ct, Muirfield Ln, Crescent Plz, Kimball Ct, Hale Dr, Quiet Path Ct, Coastview Ct, Arrowood Cir, Little Rd, N 3rd St$645
Sugarland Cir, Tally Ho Ct, Snowberry Ct, Davis Ave, Halifax Way, Royal Arch Dr, Floyd Ln, Watson Ct W, Kobio Dr, Holbrook Dr$646
Plum Ln, Woodmoor Dr, Farm Hill Ct, Chanel Ct, Creekridge Ln, Kenwood Dr, Dormer Ct, Buskirk Ave, Barrymore Dr, Movida Dr$608
Berendsen Ct, Warner Ln, Colorado Dr, el Campo Dr, Alro Ct, Cunningham Way, Carlson Ct, Sargent Rd, Greenmeadow Cir, Mi Casa Ct$621
Boxer Blvd, Roslyn Dr, Clearbrook Dr, Mount Olivet Ct, Sugarland Ct, Winton Dr, Raycliff Pl, Maywood Ln, N Willow Glen Ct, Heavenly Dr$636
Hazeltine Cir, Koch Ln, Malibu Dr, Karas Ct, Fair Oaks Dr, S Rosal Ave, Rishell Dr, Revere Dr, Beswick Ct, Gateway Blvd$636
Windflower Ct, St Phillip Ct, Pebble Glen Dr, Imhoff Pl, Packard Ct, Deer Oak Pl, Virginia Ln, Sandalwood Dr, Granada Dr, San Michele Ct$623
Encima Dr, Maple Ave, W Ardenwood Ct, S Hess Rd, Sheridan Rd, Tilson Dr, Canterberry Pl, Vis del Monte, Oakland Ave, Birch Ave$614
Detroit Ave, Banbury Ct, Bishop Dr, Ricardo Dr, Claudia Dr, Kahrs Ave, del Rio Cir, Delancey Ln, Keith Dr, Sunrise Hill$652
E Rishell Ct, Hiddencrest Ct, Jalalon Pl, Orleans Ct, Gary Dr, Pazzi Rd, Pardi Ln, Sunspring Ct, Penny Ln, Lynch Ct$643

Concord, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Concord$93 to $96
Pleasant Hill$97

Concord, 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
Pacheco CDP, California $87 $116 $174
Clyde CDP, California $97 $129 $194
Pleasant Hill city, California $98 $130 $195

Concord, 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
Concord, CA2.2%11%
Pleasant Hill2.02%10.84%
Contra Costa Centre2.02%8.73%

Concord Renters Insurance as a Percentage of Rent

Concord Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 307 1.0% $785
$300 to $499 313 1.0% $1235
$500 to $749 783 4.0% $1910
$750 to $999 2,548 15.0% $2660
$1,000 to $1,499 7,928 46.0% $3785
$1,500 or more 5,022 29.0% $5435

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsStillwater Prop & Cas Co624
1500005001-3 YearsHorace Mann P & C361
2000005001-3 YearsQBE (Balboa)552
2000005004-6 YearsForemost Insurance770
2000005007-15 YearsTokio Marine America278
20000050016-25 YearsAmerican Modern750
20000050026-40 YearsLiberty Ins Corp1072
20000050026-40 YearsUniversal North America648
20000050041-70 YearsAmerican Reliable790
2500001000NewAmica Mutual639
250000100016-25 YearsCSAA Ins Exch928
250000100026-40 YearsIDS Property Casualty751
250000100026-40 YearsWestern Mutual/Residence839
250000100041-70 YearsAmica Mutual980
2500005001-3 YearsBankers Standard1709
25000050016-25 YearsAmica Mutual967
25000050016-25 YearsCSAA Ins Exch1083
25000050026-40 YearsKemper802
300000500NewAmica Mutual806

Concord, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Concord Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to Concord Home Owner from High Deductible Plan $600

Concord, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Concord, CA Home Replacement Value MORE than Home Value Concord, CA Home Replacement Value LESS than Home Value
Replacement Value $361,500 $224,000
Insurance Premium based on Replacement Value $1,150 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,000 Risk Exposure from Under Insuring Coverage is $74,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $200/year

Example Concord Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceGEICO Insurance
Monthly Premium 5414190
Year Built 197719681992
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $175000-$200000$600000-$700000$400000-$500000
Deductible $500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 675,000 Tile Roof 3,640 5 $500 Deductible 1230 9 Wood siding No
1979 505,000 Composition Roof 3,290 5 $1000-$2500 Deductible 110 1 Stucco siding No
1980 385,000 Tile Roof 2,110 3 $2500-$5000 Deductible 50 1 Vinyl siding yes
1967 480,000 Slate Shingles Roof 2,320 4 > $10,000 Deductible 500 7 Wood siding yes
1963 585,000 Metal Roof 3,830 5 $2500-$5000 Deductible 1300 12 Stucco siding No
1972 340,000 Metal Roof 1,730 5 > $10,000 Deductible 150 4 Stone Siding yes
1967 345,000 Tile Roof 1,540 2 $1000-$2500 Deductible 290 4 Stone Siding yes
1981 475,000 Composition Roof 2,950 4 $1000-$2500 Deductible 530 5 Vinyl siding No
1966 390,000 Wood Shake Roof 1,940 3 $1000-$2500 Deductible 70 1 Brick siding No
1998 250,000 Shingles Roof 1,610 3 $2500-$5000 Deductible 50 1 Stucco siding yes
1962 260,000 Composition Roof 1,730 2 $1000-$2500 Deductible 70 1 Vinyl siding No
1989 570,000 Composition Roof 3,190 4 $500 Deductible 1390 12 Stone Siding No
1964 380,000 Slate Shingles Roof 2,150 3 $5000 to $10,000 Deductible 220 4 Brick siding yes
1962 375,000 Metal Roof 2,240 5 $1000-$2500 Deductible 150 2 Stucco siding yes
1996 315,000 Tile Roof 2,010 4 > $10,000 Deductible 240 5 Vinyl siding No
1987 430,000 Shingles Roof 2,430 4 $500- $1000 Deductible 470 6 Wood siding No
1999 175,000 Wood Shake Roof 1,100 2 $5000 to $10,000 Deductible 110 4 Wood siding yes
1993 300,000 Composition Roof 1,870 3 $500 Deductible 70 1 Vinyl siding No
1972 490,000 Slate Shingles Roof 2,250 5 $2500-$5000 Deductible 260 3 Wood siding yes
1977 775,000 Tile Roof 4,700 5 $1000-$2500 Deductible 130 1 Stucco siding yes
1997 360,000 Slate Shingles Roof 2,010 3 > $10,000 Deductible 200 3 Fiber-Cement Siding No
1988 325,000 Composition Roof 1,950 3 $500 Deductible 980 12 Wood siding yes
1962 625,000 Tile Roof 3,280 4 $5000 to $10,000 Deductible 290 3 Stone Siding No
1984 565,000 Tile Roof 2,980 4 > $10,000 Deductible 540 8 Brick siding No
1999 540,000 Slate Shingles Roof 2,850 4 $5000 to $10,000 Deductible 800 9 Stucco siding yes
1964 375,000 Membrane Roof 1,810 5 $500 Deductible 370 4 Stone Siding No
1988 395,000 Metal Roof 2,070 3 > $10,000 Deductible 40 1 Stucco siding No
1979 250,000 Wood Shake Roof 1,250 2 $500- $1000 Deductible 100 2 Fiber-Cement Siding No
1973 470,000 Composition Roof 2,370 4 $500- $1000 Deductible 900 8 Wood siding No
1967 295,000 Asphalt Shingles Roof 1,940 5 $2500-$5000 Deductible 80 2 Stone Siding No
1956 230,000 Tile Roof 896 2 $500 Deductible 80 1 Stucco siding yes

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