Danville, CA Home Insurance - Analysis On Quotes, Rates & Agents
Danville Insurance Rates:
Danville, CA homeowners insurance is nearly $595 to $808, about $49-$67/month. Our thorough guide shows customers can save upto $280 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Danville, CA Homeowners Insurance; What you need to know?
The average cost of home insurance in Danville is $1327. However, the cost of your policy will vary depending on a number of factors, including the type of coverage you choose and the amount of deductible you choose, as well as the age of the property and the materials used to construct it. The table below summarises the average house insurance costs in Danville, CA based on the deductible and other factors.
Average Homeowners Insurance Cost Based on the Age of Home
When homeowners choose bigger deductibles, they receive discounts, which translates to lower monthly payments and lower premiums over time. A high deductible policy is a simple method to get more coverage for less money. Homeowners in Danville who have a high deductible of $2500 can get house insurance for $953. On deductibles of $2000 and $1500, homeowners receive insurance for $1014 and $1117, respectively.
The average cost of house insurance is directly proportional to the age of the home. Newly constructed Danville, CA homes can avail lower insurance of $942 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay $1362-$1378 per year on their premiums.
The type of construction has a significant impact on the cost of homeowners insurance. The more damage-resistant your home is, the less expensive your homeowners insurance will be. For example, a person who lives in Danville, CA and has fire-resistant construction on their roof can save $1168 each year on average. For homes built with Masonry and Brick, insurance firms in Danville, offer home insurance for $1261 per year. Superior and hail-resistant roofs demand a higher price tag of $1208 and $1287 respectively.
Best Home Insurance Companies in Danville, CA
In Danville, California, homeowners pay an average home insurance rate of $1,327. Danville homeowners choose home insurance companies based on how reasonably priced their quotes are. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the best home insurance company. Below are the top 5 home insurance companies in California according to market share.
State Farm
State Farm is the most prominent company in California, occupying the major market share of 17.56%. It has written direct premiums worth $1,469,169 and earned direct premiums worth $1,405,885. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims to current Danville policyholders. It holds a customer satisfaction score of 4/5 based on the feedback collected from policyholders by J.D. Power.
Farmers
According to NAIC, Farmers occupy a market share of 15.97%. The total value of direct premiums written and earned by Farmers is $1,335,894 and $1,293,054, respectively. It has received a financial strength rating of A+ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, Farmers has a customer satisfaction score of 3/5.
CSAA
CSAA follows Farmers in terms of market share, occupying 6.51% of the shares. It has direct premiums written and earned with a total value of $544,788 and $527,552. CSAA received an A rating by A.M. Best for its excellent financial ability in granting potential claims of current policyholders. J.D. Power has awarded CSAA with a rating of 3/5 on customer satisfaction.
Liberty Mutual
Liberty Mutual has a market share of 6.24% in California, with direct premiums written worth $521,782 and direct premiums earned worth $501,655. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant current policyholders potential claims. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.
Allstate
Allstate is another major player in the home insurance segment, with a market share of 5.91%. The home insurance company has direct premiums written worth $494,685 and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current Danville policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.
Danville, CA Homeowners Insurance By Home Value
| Danville, CA Home Value | Total Homes | % of Total | Average Danville, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 73 | 8.0% | $14 |
| $70,000 to $79,999 | 34 | 3.0% | $56 |
| $80,000 to $89,999 | 65 | 7.0% | $70 |
| $90,000 to $99,999 | 60 | 6.0% | $77 |
| $100,000 to $124,999 | 46 | 5.0% | $91 |
| $125,000 to $149,999 | 19 | 2.0% | $112 |
| $150,000 to $174,999 | 12 | 1.0% | $133 |
| $175,000 to $199,999 | 76 | 8.0% | $154 |
| $200,000 to $249,999 | 71 | 7.0% | $182 |
| $250,000 to $299,999 | 143 | 15.0% | $224 |
| $300,000 to $399,999 | 313 | 34.0% | $287 |
Top Home Insurance Agents Near Danville, CA
| Home Insurance Company Near Danville, CA | Homeowners Insurance Agency Near Danville, CA | Address |
|---|---|---|
| Farmers | Jeffrey Jeff Kutzer | 1443 MAIN ST STE 115, Napa, CA, 94559 |
| State Farm | Mimi Lam | 1328 W El Camino Real Ste 2, Mountain View, CA, 94040-2499 |
| Allstate | Peggy Smith | 1758 Solano Ave, Berkeley, CA, 94707 |
| Allstate | Rex Garcia | 295 89Th St Ste 103, Daly City, CA, 94015 |
| State Farm | Yan Lukito | 5214 Dmnd Heights Blvd Ste I, San Francisco, CA, 94131-2118 |
Danville, CA Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Danville, CA
| Streets in Danville Area | Homeowners Insurance Cost |
|---|---|
| Barcelona Pl, St Joan Ct, Maverick Ct, Ridgeland Cir, Maverick Ct, Manning Ln, Ironstone Ct, el Alamo Ct, Joya Ct, Podva Rd | $693 |
| Bolero Ct, W el Pintado, Parkhaven Dr, Shadow Mountain Dr, Tenby Ter, Baja Loma Ct, Sandalford Way, Cobblestone Ln, del Oro Ct, Caboose Pl | $669 |
| Tunbridge Rd, Andreas Ct, Clipper Hill Rd, Weiner Way, Chadbourne Dr, Rosemount Ln, Leeds Ct W, Pescadero Ct, Glory Lily Ct, Silver Pine Ln | $702 |
| la Sonoma Way, Graciosa Ct, Cordell Dr, Dove Creek Ln, Loch Lomond Ct, Saddleback Pl, Valle Verde Ct, Shandelin Ct, Kimberwicke Ct, Ramona Way | $None |
| Linda Mesa Ave, Heritage Park Dr, la Velle Ct, Benjamin Ln, Robyn Dr, Edgegate Ct, Cascades Ct, Jay Ct, Porter Dr, Rassani Dr | $698 |
| Sunhaven Rd, Angel Ct, Jillian Way, Sutton Cir, Wildwood Ct, Highbridge Ln, Bandol Way, Lake Meade Ct, Belaire Ct, Crystal Springs Ct | $717 |
| Buchanan Ln, Lock Lomond Ct, Bobbie Ct, la Quinta Ct, Waingarth Way, Mistral Ct, la Copita Ct, Bennington Way, Santa Clara Dr, Gil Blas Rd | $716 |
| Joaquin Ct, Feather River St, Highland Ct, Conway Dr, Piedras Cir, Alkante Ct, Barranca Ct, Plumpointe Ln, Parkside Ln, Phoenix Ct | $705 |
| Edinburgh Cir, Via Romero, Virginia St, Angsley Ct, Merrimac Ct, Surrey Ct, Blakesley Dr, Fleetwood Rd, Chelta Ct, Stone Valley Rd | $None |
| Cordel Ct, Lochmoor Ct, Manchester St, Macpherson Pl, W Prospect Ave, Elwyn Pl, Hagen Oaks Dr, Delta Way, Versailles Ct, Balmoral Ct | $723 |
Danville, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Danville | $104 to $107 |
| Diablo | $109 |
| San Ramon | $102 |
| Camino Tassajara | $107 |
Danville, 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 |
|---|---|---|---|
| Diablo CDP, California | $109 | $145 | $218 |
| Blackhawk CDP, California | $109 | $145 | $218 |
| Alamo CDP, California | $109 | $145 | $218 |
Danville, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Danville, CA | 1.6% | 8.0% |
| Blackhawk | 1.51% | 6.05% |
| Alamo | 1.51% | 6.05% |
| San Ramon | 1.59% | 7.99% |
Danville Renters Insurance as a Percentage of Rent
| Danville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 37 | 1.0% | $1195 |
| $500 to $749 | 78 | 3.0% | $1870 |
| $750 to $999 | 45 | 1.0% | $2620 |
| $1,000 to $1,499 | 224 | 9.0% | $3745 |
| $1,500 or more | 1,984 | 83.0% | $5395 |
Average Cost Of Home Insurance By Company In Areas Nearby Danville For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 26-40 Years | Liberty Ins Corp | 796 |
| 150000 | 500 | 4-6 Years | Bankers Standard | 1878 |
| 150000 | 500 | 7-15 Years | American Reliable | 521 |
| 150000 | 500 | 16-25 Years | California Casualty | 583 |
| 150000 | 500 | 16-25 Years | Integon/National | 605 |
| 150000 | 500 | 16-25 Years | Safeco | 447 |
| 200000 | 500 | 1-3 Years | Amco | 484 |
| 200000 | 500 | 1-3 Years | Horace Mann P & C | 513 |
| 200000 | 500 | 4-6 Years | General Ins | 320 |
| 200000 | 500 | 7-15 Years | Bankers Standard | 2138 |
| 200000 | 500 | 26-40 Years | Grange | 477 |
| 200000 | 500 | 26-40 Years | Unigard Group | 742 |
| 200000 | 500 | 26-40 Years | USAA | 540 |
| 200000 | 500 | 41-70 Years | California Capital | 539 |
| 250000 | 1000 | New | Foremost Insurance | 811 |
| 250000 | 1000 | New | State Farm | 341 |
| 250000 | 1000 | 4-6 Years | AAA (Interinsurance Exchange) | 636 |
| 250000 | 1000 | 26-40 Years | Stillwater Prop & Cas Co | 772 |
| 250000 | 500 | 4-6 Years | Horace Mann P & C | 729 |
Danville, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $3,900 |
| Yearly Danville Homeowner Insurance Premium Example | $1,800 | $1,200 |
| Out of Pocket Expense During Claim | $900 | $3,900 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $11,700 | $11,100 |
| Net Savings to Danville Home Owner from High Deductible Plan | $600 | |
Danville, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Danville, CA Home Replacement Value MORE than Home Value | Danville, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $944,000 | $618,500 |
| Insurance Premium based on Replacement Value | $2,825 | $1,850 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $217,000 | Risk Exposure from Under Insuring Coverage is $108,500 |
| Premium Impact | Insurance cheaper by $325/year | Insurance costlier by $650/year |
Example Danville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Allstate | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 137 | 266 | 237 |
| Year Built | 1998 | 2003 | 1973 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $500000-$600000 | More than 10000000 | $900000-$1000000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $500 Deductible |
Sample Home Insurance Rates for Danville, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1983 | 715,000 | Membrane Roof | 1,880 | 3 | $500 Deductible | 1000 | 6 | Stucco siding | No |
| 1980 | 1,500,000 | Metal Roof | 3,550 | 5 | $5000 to $10,000 Deductible | 320 | 2 | Vinyl siding | No |
| 1975 | 780,000 | Tile Roof | 2,030 | 4 | > $10,000 Deductible | 1250 | 12 | Wood siding | yes |
| 2001 | 1,090,000 | Wood Shake Roof | 3,170 | 4 | $1000-$2500 Deductible | 1940 | 8 | Wood siding | No |
| 1972 | 1,000,000 | Metal Roof | 2,790 | 4 | > $10,000 Deductible | 920 | 8 | Vinyl siding | No |
| 1973 | 720,000 | Metal Roof | 2,090 | 3 | $500 Deductible | 730 | 5 | Stone Siding | yes |
| 1977 | 675,000 | Shingles Roof | 1,630 | 4 | $5000 to $10,000 Deductible | 850 | 6 | Stucco siding | yes |
| 1996 | 2,225,000 | Metal Roof | 4,920 | 5 | $500 Deductible | 2060 | 8 | Brick siding | No |
| 1971 | 1,000,000 | Membrane Roof | 3,030 | 5 | $2500-$5000 Deductible | 1790 | 9 | Brick siding | No |
| 1976 | 1,110,000 | Metal Roof | 3,310 | 4 | $1000-$2500 Deductible | 1700 | 9 | Stucco siding | No |
| 2003 | 1,000,000 | Metal Roof | 2,200 | 3 | > $10,000 Deductible | 1020 | 8 | Stucco siding | No |
| 1980 | 925,000 | Shingles Roof | 2,170 | 4 | $5000 to $10,000 Deductible | 1010 | 7 | Wood siding | yes |
| 2007 | 1,220,000 | Tile Roof | 2,910 | 5 | $2500-$5000 Deductible | 1060 | 5 | Vinyl siding | No |
| 1974 | 770,000 | Slate Shingles Roof | 2,470 | 4 | $1000-$2500 Deductible | 700 | 4 | Stucco siding | No |
| 1988 | 1,600,000 | Wood Shake Roof | 4,950 | 5 | $2500-$5000 Deductible | 1620 | 10 | Brick siding | yes |
| 1990 | 605,000 | Tile Roof | 1,640 | 3 | $5000 to $10,000 Deductible | 790 | 8 | Wood siding | yes |
| 1991 | 1,250,000 | Tile Roof | 2,810 | 4 | $1000-$2500 Deductible | 2400 | 10 | Brick siding | No |
| 1972 | 1,400,000 | Shingles Roof | 3,110 | 5 | $2500-$5000 Deductible | 2450 | 12 | Brick siding | No |
| 1983 | 1,710,000 | Composition Roof | 3,910 | 5 | $2500-$5000 Deductible | 1340 | 7 | Vinyl siding | yes |
| 2001 | 415,000 | Wood Shake Roof | 1,310 | 3 | $500- $1000 Deductible | 260 | 3 | Stone Siding | yes |
| 1997 | 1,210,000 | Asphalt Shingles Roof | 3,030 | 5 | $5000 to $10,000 Deductible | 180 | 1 | Brick siding | No |
| 1978 | 665,000 | Tile Roof | 1,620 | 5 | $500 Deductible | 1420 | 8 | Fiber-Cement Siding | No |
| 1971 | 900,000 | Composition Roof | 2,240 | 4 | $2500-$5000 Deductible | 1190 | 9 | Brick siding | No |
| 2005 | 590,000 | Asphalt Shingles Roof | 1,880 | 5 | > $10,000 Deductible | 910 | 12 | Brick siding | No |
| 2004 | 900,000 | Wood Shake Roof | 2,000 | 5 | $1000-$2500 Deductible | 490 | 3 | Vinyl siding | yes |
| 1982 | 885,000 | Asphalt Shingles Roof | 2,180 | 4 | > $10,000 Deductible | 870 | 9 | Wood siding | No |
| 2001 | 1,325,000 | Slate Shingles Roof | 3,750 | 5 | $2500-$5000 Deductible | 520 | 3 | Stone Siding | No |
| 1978 | 1,590,000 | Wood Shake Roof | 4,430 | 5 | $500- $1000 Deductible | 960 | 5 | Stone Siding | yes |
| 1977 | 560,000 | Wood Shake Roof | 1,630 | 5 | $500- $1000 Deductible | 230 | 2 | Stucco siding | No |
| 1989 | 1,110,000 | Composition Roof | 2,790 | 5 | $2500-$5000 Deductible | 210 | 1 | Fiber-Cement Siding | yes |
| 1994 | 1,410,000 | Shingles Roof | 3,240 | 5 | $500- $1000 Deductible | 2530 | 12 | Wood siding | yes |
| 1974 | 625,000 | Membrane Roof | 1,910 | 4 | > $10,000 Deductible | 310 | 3 | Stone Siding | yes |
| 1979 | 600,000 | Slate Shingles Roof | 1,530 | 5 | $2500-$5000 Deductible | 610 | 6 | Wood siding | yes |
Latest Home Insurance Reviews
State FarmI would recommend my home insurance company to others to become their company because they provide great service for the price you pay.
State Farmmy company policy offers a most convenient and affordable rate thereby encouraging and attracting more clients since its services are to the best of its standards
ProgressiveI would probably recommend Progressive because they are mostly easy to work with. The customer service is exceptional and the coverage is good.
AllstateAllstate was great for first time homeowners like myself because they really walk you through the process. They explained all the different types of coverage and what would work best for the area that I live in.
MercuryI am satisfied with my home insurance company’s customer service. While I have not had to make a home insurance claim, I have had to make a car insurance claim, and both my car and home are insured with the same carrier.
AllstateThe deductible for the plan I chose with All State for my home insurance was the same if not slightly less than other insurance companies.
State FarmWhen i call, i speak with a person in america, not a foreign country. it lets me know they invest in america.
State FarmState farm is fair regarding accident forgiveness and safe driving bonuses. they provide competitive features, online services, app services, and local office service that compares well with others.
Liberty MutualLiberty Mutual has excellent customer service. They always answer all my questions and are very intelligent and friendly/ They often give me advice on how to lower my insurance rates without me even asking!
TravelersThe offerings I believe are the same as most other insurance companies but since I have been with them for years I think I get a better deal than new customers.
Stillwater Insurance GroupI enjoy the ease of insuring with this company. how easy this insurance company made the home inspection is simply great.
GeicoThe premium and deductible seem a bit higher than some other policies. However, it is a fair price and not the highest.
State FarmI don't really have anything bad to say about state farm at this time. I feel as though this company is trustworthy
State FarmI have had very minimal interaction with the company through which I acquired my home insurance. However, all of the interactions that I have had have been positive.
State FarmThe premium is so-so compared to the other agencies. I mean like American Family costs less for the same coverage. Maybe I should go sign with someone cheaper but I am just not good at changing in general, but that is the price you pay literally if you don't work at things!
State FarmI had it quoted with State Farm before and they were a few dollars cheaper, but it did come with less benefit and customer service was not nearly as good.
TravelersYes, I would recommend insurance through them. They are quick to solve issues, affordable and kind.
State FarmAt this point, I have not had to transact with this company other than normal monthly premium payments. I cannot say for sure if I am satisfied.
ProgressiveI would totally recommend Progressive and I have recommended it to many people.