Concord Insurance Rates:

Concord ,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 Concord, 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 Concord, CA is $1379. Enter your zipcode below and click “GO” to get multiple free quotes.

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

 

Concord, CA Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $552
$200,000 $938
$300,000 $1,158
$400,000 $1,765
$500,000 $2,220

 

Concord, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Concord 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
094518 $1,317
94521 $1,317
94519 $1,308
94520 $1,279

 

Concord, 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 Concord, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,414
$1000 Deductible $1,265
$1500 Deductible $1,193
$2500 Deductible $1,076
$5000 Deductible $910

 

 


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

 

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%
Pacheco2.37%6.68%
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

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
Pacheco$87
Clyde$96
Pleasant Hill$97

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
200000500NewEncompass491
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
Deductible$1,800$2,800
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