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.
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 |
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 |
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 |
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 |
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 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Concord, CA | 2.2% | 11% |
Pacheco | 2.37% | 6.68% |
Pleasant Hill | 2.02% | 10.84% |
Contra Costa Centre | 2.02% | 8.73% |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Concord | $93 to $96 |
Pacheco | $87 |
Clyde | $96 |
Pleasant Hill | $97 |
Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
---|---|---|---|---|
150000 | 250 | 7-15 Years | Stillwater Prop & Cas Co | 624 |
150000 | 500 | 1-3 Years | Horace Mann P & C | 361 |
200000 | 500 | New | Encompass | 491 |
200000 | 500 | 1-3 Years | QBE (Balboa) | 552 |
200000 | 500 | 4-6 Years | Foremost Insurance | 770 |
200000 | 500 | 7-15 Years | Tokio Marine America | 278 |
200000 | 500 | 16-25 Years | American Modern | 750 |
200000 | 500 | 26-40 Years | Liberty Ins Corp | 1072 |
200000 | 500 | 26-40 Years | Universal North America | 648 |
200000 | 500 | 41-70 Years | American Reliable | 790 |
250000 | 1000 | New | Amica Mutual | 639 |
250000 | 1000 | 16-25 Years | CSAA Ins Exch | 928 |
250000 | 1000 | 26-40 Years | IDS Property Casualty | 751 |
250000 | 1000 | 26-40 Years | Western Mutual/Residence | 839 |
250000 | 1000 | 41-70 Years | Amica Mutual | 980 |
250000 | 500 | 1-3 Years | Bankers Standard | 1709 |
250000 | 500 | 16-25 Years | Amica Mutual | 967 |
250000 | 500 | 16-25 Years | CSAA Ins Exch | 1083 |
250000 | 500 | 26-40 Years | Kemper | 802 |
300000 | 500 | New | Amica Mutual | 806 |
Low Deductible | High 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 |
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 |
Insurance Company | Amica Mutual Insurance Company | Nationwide Insurance | GEICO Insurance |
Monthly Premium | 54 | 141 | 90 |
Year Built | 1977 | 1968 | 1992 |
Home Details | 3 Beds, 1 Baths | 5 Beds, 4 Baths | 4 Beds, 3 Baths |
Coverage Amount | $175000-$200000 | $600000-$700000 | $400000-$500000 |
Deductible | $500 Deductible | $1000-$2500 Deductible | $500 Deductible |