Fremont Insurance Rates:

Fremont, CA homeowners insurance is about $557 to $756, about $46-$63/month. Our exhaustive analysis reveals consumers can save upto $262 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

My premium is low with this company due to the lower coverage options provided by this company. For other companies the premium is higher but the deductibles are comparable.
State Farm
I was on with a representative with in 5 minutes of my call the line directed to some one who had access to my information and did a quick security verification before answering any personal question.
State Farm
State Farm's home insurance policy offerings are comparable to other providers. I would not say they are "above and beyond," but they will give you adequate coverage.
State Farm
I think that I pay about the same as other companies. It may be a little bit more expensive but worth it for the service that I have received.
State Farm
we have not had to submit a claim to our insurance company, so I cannot provide you with specifics on their customer service from a claims perspective.
State Farm
I would recommend this company simply because I haven't been able to find a better company elsewhere. Their rates are reasonable and their customer service is outstanding.
premium and deductible were also competitive with others like all state, state farm, and geico.I went with progressive due to a good history with other products.
They were prompt with helping me on a roof claim, but they do a poor job trying to explain their annual price increases.
State Farm
We have a wonderful agent who is friendly and neighborly. we appreciate feeling like family and having her right in our little town is a plus.
They are all nice and friendly until it is their time to actually pay up. i had a roof collapse under heavy snow and although i was covered for water damage, snow was technically not water.
State Farm
It has better service than the farmer insurance company, the agent always wishes me during festival time, it is so nice.
State Farm
There is nothing that I dislike about my insurance company’s website. I love all the features available on their website. I particularly love the ease of use of the website.
Old Republic Home Protection
One thing that i liked about my home warranty was that it was pretty much all inclusive(mostly). i had the top of the line home warranty plan and it covered a lot of items that would normally cost a lot of money, however, the company had provided with reasonable price to me
State Farm
Honestly we haven't had any issues with the home, I don't have anything bad to say about state farm. They are lovely over the phone and have been helpful with minor phone calls and our monthly payment is low.
Liberty Mutual
It is fine. It just seems a little high for discounts and have never had a claim and have been with them for years. I just wish they offered better discounts. I know when we had state farm that they offered a comparable policy and coverage for less, about 30-40 percentage, but that was several years ago and the property value has risen as well.
State Farm
I have actually never had to speak with customer service at MetLife. Whenever I have had an issue it was about my change in coverage or adding my security system. I have just spoken to my agent. I have never had to file a claim on my policy.
State Farm
State farms rates are higher than others .When I applied for a mortgage and told them it would be state farm they chuckled and said "will, willw increase the estimated insurance costs, then".
State Farm
I cannot recall a bad experience with the company. There was a rep that I didn't enjoy talking too because she would refuse to speak to me and only speak to my husband. I knew her from high school and we didn't get along but I spoke to her boss and they assist us a different rep. She was knowledgeable about the policy but her customer service to me sucked.
If. I want to talk about this company it is the best of the one company its customer service is the best
State Farm
I dislike that the agents can be somewhat slow when responding to certain issues, and I also do not like when they try to "meet us" to sell more products.
State Farm
State Farm says they cover anything and everything. But in reality their customer service doesn't know exactly what they cover. Their deductable and policy costs are about average for their market.
I would recommend Allstate to others for the simple fact that I've had the for so long and i have been completely statisfied with them in many ways.
The company is well known. Competitive prices. Agent in town and available to answer any questions.
I think they are fair and I think they are good to work with. I like their people and I like their representatives as well.
Stillwater Insurance Group
I don't dislike this company. They've been good to us. I have nothing bad to say about them and won't even for a survey that asks.

Fremont, CA Homeowners Insurance By Home Value

Fremont, CA Home Value Total Homes % of Total Average Fremont, CA Homeowners Insurance
Less than $50,000 876 5.0% $26
$50,000 to $59,999 305 1.0% $59
$60,000 to $69,999 299 1.0% $72
$80,000 to $89,999 244 1.0% $98
$100,000 to $124,999 402 2.0% $124
$125,000 to $149,999 431 2.0% $157
$150,000 to $174,999 528 3.0% $190
$175,000 to $199,999 560 3.0% $216
$200,000 to $249,999 2,073 13.0% $262
$250,000 to $299,999 2,237 14.0% $321
$300,000 to $399,999 7,665 48.0% $406

Top Home Insurance Agents Near Fremont, CA

Home Insurance Company Near Fremont, CA Homeowners Insurance Agency Near Fremont, CA Address
State Farm Burch Boehner 201 E Taylor St Ste 2, San Jose, CA, 95112-5036
State Farm Doug Van Wyck Clu, Chfc 6200 Center Street, Clayton, CA, 94517-1447
Farmers Gus Anagnostou 2317 Broadway St Ste 140, Redwood City, CA, 94063
Farmers Harvey Louie 838 Grant Ave Ste 414, San Francisco, CA, 94108
State Farm Kathy Smith 1300 Mt Diablo Blvd, Walnut Creek, CA, 94596-5101

Fremont, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Fremont, CA

Streets in Fremont Area Homeowners Insurance Cost
I St, Northwind Ter, Bing Pl, Los Arboles Pl, Ridgeview Ter, Oxford Pl, Blue Spruce Ln, Nicolet Ave, Ohna Ct, Hoyt St$638
Nichols Ave, Tilden Pl, Sherman Dr, J St, Leslie St, Dering Pl, Bedelio Ter, Lindenwood St, Boggs Ave, Kvistad Dr$650
Ram Ct, Parish Ave, Skye Rd, Dijon Dr, Quail Dr, Jacaranda Dr, Highland Ter, Sanborn Ter, Fairbanks Cmn, Montmartre Park Ct$None
Joyce Ave, Northern Cmn, Chamier Pl, H St, Heritage Way, Yolo Ter, Congress Ct, Val St, Chippendale Dr, Buckingham Ct$641
Capistrano Dr, Deer Rd, Sandalwood Ct, Murray Cmn, Mildred Ct, Meadowlark Dr, Industrial Dr, Korbel Ct, Mono Lake Ln, Bridgeport Pl$677
Sheffield Ln, Summerwood Dr, Ingot St, Sunriver Cmn, Haley St, Greenwich Cir, Haven Ave, Le Pomar Ter, Auckland Ct, Chelsea Dr$658
Bradley Ct, Winchester Dr, McKeown Ter, Guardino Dr, Grama Ter, Beloit St, Tuolumne Dr, Panorama Ct, Alton Ct, Russell Ct$665
Penzance Camino, Steuben Ct, Donahue Ter, Sutton Ct, Leigh St, Argonne St, Benchmark Ave, Shoshone Ct, Cygnus Ct, Black Mountain Cir$654
Baine Ave, Westwood Ave, Towhee St, Lobelia Dr, Bonner Ave, Sparrow Dr, Arce St, San Gabriel Way, Sioux Ter, Tickle Grass Ter$715
Mission Ct, Sabio Ct, Foxtail Ter, Theresa St, Sumac St, Lambert Ct, Condor Ct, Heritage Cmn, Rockport Ct, Marie Ct$661

Fremont, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fremont$98 to $100
Union City$96

Fremont, 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
Newark city, California $80 $106 $159
Union City city, California $81 $107 $161
Sunol CDP, California $89 $118 $177

Fremont, 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
Fremont, CA2.0%11.5%
Union City1.94%10.47%

Fremont Renters Insurance as a Percentage of Rent

Fremont Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 489 1.0% $769
$300 to $499 869 2.0% $1219
$500 to $749 852 2.0% $1894
$750 to $999 1,684 4.0% $2644
$1,000 to $1,499 13,865 39.0% $3769
$1,500 or more 17,074 48.0% $5419

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
250000500NewHartford (Sentinel)449
250000500NewTokio Marine America245
4000001000NewBankers Standard1698
5000001000NewFarmers (Fire Ins)965
7500002500NewAmerican Security1488
7500002500NewMercury Ins Group750
1500005001-3 YearsWestern Mutual/Residence383
2000005001-3 YearsMAPFRE Group401
25000010001-3 YearsAmerican Security631
3000005001-3 YearsAmerican Security796
3000005001-3 YearsHorace Mann P & C744
40000010001-3 YearsUSAA745
1500005004-6 YearsCSAA Ins Exch466
3000005004-6 YearsAIG Prop Cas1620
3000005004-6 YearsCalifornia Casualty728
75000025004-6 YearsIDS Property Casualty1156
75000025004-6 YearsOregon Mutual1193
1500005007-15 YearsAmco504
1500005007-15 YearsAmerican Reliable521

Fremont, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fremont Homeowner Insurance Premium Example $2,300$1,700
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $19,400$17,600
Net Savings to Fremont Home Owner from High Deductible Plan $1,800

Fremont, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fremont, CA Home Replacement Value MORE than Home Value Fremont, CA Home Replacement Value LESS than Home Value
Replacement Value $773,000 $426,000
Insurance Premium based on Replacement Value $2,000 $1,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $182,500 Risk Exposure from Under Insuring Coverage is $164,500
Premium Impact Insurance cheaper by $425/year Insurance costlier by $475/year

Example Fremont Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualFarmers Insurance
Monthly Premium 1328049
Year Built 199019891971
Home Details 4 Beds, 1 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$300000-$350000$350000-$400000
Deductible $500 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 510,000 Shingles Roof 2,040 3 $1000-$2500 Deductible 1030 10 Brick siding yes
1972 415,000 Asphalt Shingles Roof 1,610 4 $5000 to $10,000 Deductible 230 3 Brick siding No
1990 470,000 Metal Roof 1,730 3 $2500-$5000 Deductible 80 1 Stone Siding yes
1975 1,035,000 Metal Roof 4,240 5 $500 Deductible 1380 5 Fiber-Cement Siding No
1972 895,000 Composition Roof 2,970 5 > $10,000 Deductible 470 3 Brick siding yes
1985 385,000 Slate Shingles Roof 1,350 3 $500- $1000 Deductible 470 6 Vinyl siding yes
1982 445,000 Shingles Roof 2,090 4 $5000 to $10,000 Deductible 180 2 Stucco siding yes
1982 310,000 Asphalt Shingles Roof 1,310 2 $500 Deductible 780 7 Wood siding No
1987 555,000 Slate Shingles Roof 1,900 3 $2500-$5000 Deductible 740 8 Brick siding yes
1972 1,055,000 Membrane Roof 4,230 5 $1000-$2500 Deductible 1740 9 Fiber-Cement Siding yes
1999 300,000 Composition Roof 1,050 2 $500- $1000 Deductible 700 10 Stucco siding No
1993 415,000 Wood Shake Roof 1,680 4 $5000 to $10,000 Deductible 480 7 Stucco siding yes
1981 925,000 Slate Shingles Roof 3,130 4 $500- $1000 Deductible 1690 6 Brick siding No
2008 420,000 Tile Roof 1,320 3 $500- $1000 Deductible 80 1 Brick siding No
1977 895,000 Composition Roof 3,080 4 > $10,000 Deductible 440 3 Wood siding yes
1981 290,000 Asphalt Shingles Roof 1,230 3 $500 Deductible 580 7 Stone Siding yes
1975 310,000 Metal Roof 1,340 2 $5000 to $10,000 Deductible 70 1 Brick siding yes
1980 305,000 Slate Shingles Roof 1,040 2 $500 Deductible 530 7 Vinyl siding No
2003 510,000 Shingles Roof 1,920 3 $2500-$5000 Deductible 840 7 Vinyl siding yes
2009 395,000 Shingles Roof 1,380 3 $500 Deductible 630 9 Brick siding No
1991 675,000 Membrane Roof 2,640 5 $500- $1000 Deductible 1440 9 Fiber-Cement Siding yes
1987 830,000 Asphalt Shingles Roof 2,850 5 $500 Deductible 1920 9 Vinyl siding No
1988 1,000,000 Metal Roof 3,640 5 > $10,000 Deductible 780 5 Stucco siding yes
2001 385,000 Tile Roof 1,770 2 $5000 to $10,000 Deductible 80 1 Wood siding yes
1995 365,000 Wood Shake Roof 1,150 2 $1000-$2500 Deductible 710 10 Stone Siding yes
1999 285,000 Metal Roof 960 2 $5000 to $10,000 Deductible 140 3 Wood siding yes
2006 470,000 Shingles Roof 1,620 3 $5000 to $10,000 Deductible 630 8 Stucco siding yes
2000 470,000 Metal Roof 1,680 4 $5000 to $10,000 Deductible 250 3 Stone Siding No
1987 375,000 Tile Roof 1,470 3 $1000-$2500 Deductible 1050 10 Stucco siding No
1993 490,000 Wood Shake Roof 1,096 2 > $10,000 Deductible 180 1 Fiber-Cement Siding No

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