Cupertino Insurance Rates:

Cupertino, CA homeowners insurance is nearly $618 to $835, about $51-$69/month. Our in depth guide shows customers can save upto $290 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I like that my agent is very close by to my home and she is accessible and helpful
State Farm
The initial signup process wasn't the easiest. i needed multiple documents that were not provided to me during my close on my house, i had to track down records for my hurricane shutters to prove they were wind rated, and while this isn't state farm's problem, it left a bad taste in my mouth for a few weeks.
Allstate
They have helped me in the past with filing a claim and walking me through everything. the representative was very helpful and kind and made sure that i was able to get everything filed correctly.
Mercury
The premium is much lower than my prior home insurance company of many years ago. Approximately three years ago Mercury reduced the premium a little which made it more desirable.
Travelers
The only dislike I have is the price of our premium. I don't believe that there are any discounts for bundled service either. I've enquired with many other companies where the premium was lower.
Geico
I like that we can bundle and we like our local agent. He is helpful and it is nice to have an actual person to go to when you need service or help with a product or have questions. He has helped us multiple times to save money.
State Farm
I actually just started using the website. For the longest time, I still received paper statements and never got on the website.
Amica Mutual Insurance
I like that they are friendly when you call and process claims fairly quickly.

Cupertino, CA Homeowners Insurance By Home Value

Cupertino, CA Home Value Total Homes % of Total Average Cupertino, CA Homeowners Insurance
Less than $50,000 61 10.0% $14
$60,000 to $69,999 36 5.0% $43
$70,000 to $79,999 29 4.0% $50
$90,000 to $99,999 46 7.0% $65
$100,000 to $124,999 97 15.0% $72
$125,000 to $149,999 15 2.0% $94
$150,000 to $174,999 49 8.0% $116
$175,000 to $199,999 9 1.0% $130
$200,000 to $249,999 68 11.0% $159
$250,000 to $299,999 99 16.0% $196
$300,000 to $399,999 100 16.0% $247

Top Home Insurance Agents Near Cupertino, CA

Home Insurance Company Near Cupertino, CA Homeowners Insurance Agency Near Cupertino, CA Address
NA Suhr Risk Services Of California Insurance Brokers 5300 Stevens Creek Blvd 3Rd Fl San Jose, Santa Clara, CA, 95129
Farmers David Reidenbach Chfc Lutcf 2625 Alcatraz Ave # 700, Berkeley, CA, 94705
Allstate Gary Pinkis 243 Main St Ste E, Pleasanton, CA, 94566
Allstate Hien Nguyen 2180 Story Rd Ste 204, San Jose, CA, 95122
Allstate Jaime Ulloa 420 S White Rd, San Jose, CA, 95127

Cupertino, 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
Loyola CDP, California $91 $121 $181
Saratoga city, California $91 $121 $181
West Santa Clara CCD, Santa Clara County, California $91 $121 $181

Cupertino, 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
Cupertino, CA1.6%9.6%
Loyola1.51%6.05%
Saratoga1.51%6.9%
West Santa Clara1.51%6.28%

Cupertino Renters Insurance as a Percentage of Rent

Cupertino Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 151 2.0% $1181
$750 to $999 203 2.0% $2606
$1,000 to $1,499 571 8.0% $3731
$1,500 or more 6,137 86.0% $5381

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAmica Mutual394
150000500NewTokio Marine America135
200000500NewEncompass564
250000500NewAmerican Reliable673
300000500NewHartford (Sentinel)523
5000002500NewLiberty Ins Corp589
7500002500NewHorace Mann1384
2000005001-3 YearsHorace Mann437
25000010001-3 YearsAmica Mutual538
3000005001-3 YearsCentury National763
3000005001-3 YearsMAPFRE Group608
1500005004-6 YearsForemost Insurance598
2000005004-6 YearsCentury National551
2000005004-6 YearsGrange579
50000025004-6 YearsAmco946
50000025004-6 YearsStillwater Ins Co686
1500005007-15 YearsWestern Mutual/Residence426
2000005007-15 YearsUSAA516
25000010007-15 YearsTravelers520
3000005007-15 YearsAmica Mutual875
40000010007-15 YearsCSE Safeguard897

Cupertino, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Cupertino Homeowner Insurance Premium Example $2,300$2,100
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $20,100$19,500
Net Savings to Cupertino Home Owner from High Deductible Plan $600

Cupertino, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cupertino, CA Home Replacement Value MORE than Home Value Cupertino, CA Home Replacement Value LESS than Home Value
Replacement Value $1,150,000 $880,000
Insurance Premium based on Replacement Value $3,000 $2,300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $120,000 Risk Exposure from Under Insuring Coverage is $150,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $300/year

Example Cupertino Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceChubb Group of Insurance
Monthly Premium 117114233
Year Built 199520021975
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $600000-$700000$900000-$1000000More than 10000000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 560,000 Slate Shingles Roof 1,070 2 $2500-$5000 Deductible 490 5 Wood siding yes
1996 600,000 Asphalt Shingles Roof 1,300 2 $500 Deductible 730 5 Stone Siding yes
1999 1,420,000 Metal Roof 3,560 5 $2500-$5000 Deductible 1380 7 Stucco siding yes
1986 485,000 Slate Shingles Roof 1,010 2 $5000 to $10,000 Deductible 550 7 Wood siding yes
1980 1,870,000 Shingles Roof 3,680 5 $5000 to $10,000 Deductible 740 4 Stucco siding No
1999 1,405,000 Tile Roof 3,520 5 $1000-$2500 Deductible 540 3 Fiber-Cement Siding No
1976 730,000 Asphalt Shingles Roof 1,690 3 $2500-$5000 Deductible 230 2 Wood siding yes
2003 1,425,000 Tile Roof 2,700 4 $5000 to $10,000 Deductible 470 3 Stucco siding No
1970 515,000 Metal Roof 1,430 3 $1000-$2500 Deductible 560 4 Stucco siding No
1969 1,015,000 Membrane Roof 2,280 5 $2500-$5000 Deductible 790 5 Brick siding No
1966 880,000 Shingles Roof 2,320 3 > $10,000 Deductible 310 3 Stucco siding yes
1967 940,000 Composition Roof 1,760 5 $1000-$2500 Deductible 1060 5 Stone Siding No
1960 950,000 Tile Roof 1,840 3 $2500-$5000 Deductible 1000 7 Vinyl siding No
1972 520,000 Asphalt Shingles Roof 1,260 2 > $10,000 Deductible 170 3 Fiber-Cement Siding No
2002 875,000 Wood Shake Roof 1,750 3 $2500-$5000 Deductible 500 4 Wood siding yes
1996 970,000 Composition Roof 2,410 5 $5000 to $10,000 Deductible 240 2 Wood siding No
1988 1,970,000 Shingles Roof 3,690 5 $2500-$5000 Deductible 830 5 Vinyl siding No
1976 1,690,000 Asphalt Shingles Roof 3,430 5 $500- $1000 Deductible 1650 7 Stucco siding No
1997 930,000 Composition Roof 2,470 4 $1000-$2500 Deductible 2420 10 Stone Siding No
1979 820,000 Slate Shingles Roof 1,600 3 $5000 to $10,000 Deductible 1090 9 Vinyl siding No
2008 920,000 Tile Roof 2,300 3 $5000 to $10,000 Deductible 2060 12 Stone Siding No
1995 685,000 Asphalt Shingles Roof 1,470 2 $1000-$2500 Deductible 1390 12 Stone Siding No