El Cerrito Insurance Rates:

El Cerrito, CA homeowners insurance is nearly $560 to $761, about $46-$63/month. Our comprehensive guide shows customers can save as much as $264 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Although i have been very fortunate in not having to avail myself of this, i would assume that the claims process with state farm is relatively painless and expedited by the dedicated agents.
Allstate
I really like this company. it supports me well because i have a big family and it gets every single person a smile.
Allstate
Overall the company is ok. Their prices are not too costly for the services they offer. They do offer online support although it's somewhat limited.
All State
I don't like having a deductible that is 3000. I also don't like the automatic refinance that was triggered after a few years. I thought it was just an option or that I would have had some form of a heads up.
All State
The plainness of their website. The premium could be lower.
Geico
They were super friendly and walked me through the process. The process takes forever, but it was like that with all the companies I called so I am not sure they could get any faster if that is the industry standard.

El Cerrito, CA Homeowners Insurance By Home Value

El Cerrito, CA Home Value Total Homes % of Total Average El Cerrito, CA Homeowners Insurance
Less than $50,000 78 7.0% $26
$50,000 to $59,999 14 1.0% $52
$60,000 to $69,999 34 3.0% $72
$70,000 to $79,999 10 1.0% $79
$100,000 to $124,999 27 2.0% $118
$125,000 to $149,999 34 3.0% $152
$150,000 to $174,999 62 6.0% $178
$175,000 to $199,999 22 2.0% $211
$200,000 to $249,999 52 5.0% $251
$250,000 to $299,999 112 11.0% $310
$300,000 to $399,999 539 54.0% $389

Top Home Insurance Agents Near El Cerrito, CA

Home Insurance Company Near El Cerrito, CA Homeowners Insurance Agency Near El Cerrito, CA Address
Farmers Angie Arnesto 996 Minnesota Ave Ste 206, San Jose, CA, 95125
Travelers Legacy Risk And Insurance Services Llc 1333 N. California Blvd., Suite 600 , Walnut Creek, CA, 94596
Travelers Sherzer And Associates Insurance Agency Inc 110 STONY POINT RD 120, SANTA ROSA, CA, 95401
Liberty Mutual Independent Solano Insurance Services Inc 2210 BOYNTON AVE STE E, FAIRFIELD, CA, 94533
Travelers Unique Insurance Service Inc 737 SOUTHPOINT BLVD STE F, PETALUMA, CA, 94954

Cost Of Homeowners Insurance By Street Near El Cerrito, CA

Streets in El Cerrito Area Homeowners Insurance Cost
Albemarle St, S 53rd St, Manila Ave, Lambrecht Ct, Devonshire Dr, Julian Dr, Nicholl Ct, Courtland Ave, S 50th St, Irma St$685
41st St, Zara Ave, Alva Ave, Contra Costa Dr, Tapscott Ave, Plank Ave, Tamalpais Ct, Lawrence St, Schmidt Ln, Leona Ave$658
Silva Ave, Ralston Ave, Olive Ave, Hazel Ave, School Ave, Fairview Dr, Duke Ct, Don Carol Dr, Yuba St, Dimm St$616
Seaview Pl, Tamalpais Pl, Villa Nueva St, Havens Pl, Scenic St, Roger Ct, Norvell Ct, Rosalind Ave, Ganges Ct, Bonnie Dr$681
Yuba St, Pomona Ct, Wildcat Dr, Lassen St, Cedar St, Cabrillo St, Alameda Ave, Cliff Ln, Carlston Ave, Balra Dr$614

El Cerrito, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
El Cerrito$98 to $101
Kensington$102
East Richmond Heights$94
Albany$100

El Cerrito, 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
Kensington CDP, California $103 $137 $206
East Richmond Heights CDP, California $94 $125 $188
Albany city, California $100 $133 $200

El Cerrito, 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
El Cerrito, CA2.0%11.4%
Kensington1.79%9.13%
East Richmond Heights2.07%16.46%
Albany1.85%8.36%

El Cerrito Renters Insurance as a Percentage of Rent

El Cerrito Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 94 2.0% $1217
$500 to $749 63 1.0% $1892
$750 to $999 345 9.0% $2642
$1,000 to $1,499 1,799 47.0% $3767
$1,500 or more 1,451 38.0% $5417

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsCentury National577
15000025016-25 YearsAmerican Modern644
15000025016-25 YearsHartford (Sentinel)586
15000025041-70 YearsHartford (Sentinel)575
15000025041-70 YearsWawanesa343
1500005004-6 YearsTravelers329
1500005007-15 YearsAmco604
15000050041-70 YearsAmica Mutual676
200000500NewCSE Safeguard413
2000005001-3 YearsAIG Prop Cas967
2000005001-3 YearsAmerican Security461
2000005004-6 YearsHomesite827
2000005007-15 YearsWawanesa376
20000050016-25 YearsOregon Mutual559
20000050016-25 YearsPrivilege Underwriters Exch1148
20000050041-70 YearsCalifornia Casualty749
25000010004-6 YearsAmerican Reliable597
250000500NewCalifornia Casualty441
250000500NewMAPFRE Group423
2500005007-15 YearsUniversal North America613
25000050016-25 YearsPrivilege Underwriters Exch1434

El Cerrito, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly El Cerrito Homeowner Insurance Premium Example $2,100$1,500
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,500$16,700
Net Savings to El Cerrito Home Owner from High Deductible Plan $1,800

El Cerrito, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario El Cerrito, CA Home Replacement Value MORE than Home Value El Cerrito, CA Home Replacement Value LESS than Home Value
Replacement Value $666,000 $428,500
Insurance Premium based on Replacement Value $1,800 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $150,500 Risk Exposure from Under Insuring Coverage is $87,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $425/year

Example El Cerrito Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceAllstate
Monthly Premium 5884126
Year Built 198519661955
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$350000-$400000$900000-$1000000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 685,000 Asphalt Shingles Roof 2,070 4 $500- $1000 Deductible 1140 9 Brick siding No
1943 690,000 Shingles Roof 2,490 4 $500 Deductible 1470 8 Wood siding No
1967 425,000 Slate Shingles Roof 1,860 3 $500- $1000 Deductible 540 7 Vinyl siding No
1975 895,000 Shingles Roof 2,950 4 $5000 to $10,000 Deductible 1530 9 Brick siding No
1958 595,000 Tile Roof 2,120 3 $500 Deductible 890 5 Stucco siding No
1976 315,000 Metal Roof 1,040 2 $2500-$5000 Deductible 160 4 Vinyl siding No
1979 480,000 Composition Roof 2,170 3 $500- $1000 Deductible 940 8 Stone Siding No
1951 330,000 Composition Roof 1,290 3 $500- $1000 Deductible 350 4 Vinyl siding No
1983 360,000 Asphalt Shingles Roof 1,180 2 > $10,000 Deductible 380 10 Stucco siding yes
1940 525,000 Metal Roof 2,330 3 $5000 to $10,000 Deductible 270 3 Stucco siding No
1981 410,000 Shingles Roof 1,790 4 $5000 to $10,000 Deductible 240 5 Stone Siding yes
1944 670,000 Slate Shingles Roof 2,730 4 $2500-$5000 Deductible 1480 12 Vinyl siding yes
1954 550,000 Membrane Roof 1,840 3 $1000-$2500 Deductible 1520 9 Brick siding yes
1975 275,000 Slate Shingles Roof 950 2 $5000 to $10,000 Deductible 420 10 Wood siding yes
1977 375,000 Slate Shingles Roof 1,680 3 $500 Deductible 710 8 Stone Siding No
1949 530,000 Asphalt Shingles Roof 2,110 5 $2500-$5000 Deductible 1540 12 Stone Siding No
1960 550,000 Asphalt Shingles Roof 1,810 3 $500- $1000 Deductible 940 8 Brick siding No
1962 635,000 Wood Shake Roof 1,970 5 $500 Deductible 330 3 Brick siding No
1966 1,120,000 Asphalt Shingles Roof 3,630 5 $2500-$5000 Deductible 180 1 Wood siding No