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.
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 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 |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Danville | $104 to $107 |
Diablo | $109 |
San Ramon | $102 |
Camino Tassajara | $107 |
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 |
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 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% | $5395 |
Coverage ($) | 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 |
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 |
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 |
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 |
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 |