Fremont, CA Home Insurance - Analysis On Quotes, Rates & Agents

Fremont, CA Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Fremont, CA. The average cost of insurance in Fremont, CA is $1497. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Fremont, CA

National Average Premium State Average Premium Fremont Average Premium
$1,438 $1,291 $1,497

Top Home Insurance Companies in Fremont, CA | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Fremont, CA.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Farmers $834 $1,228 $1,266 $1,622
Horace Mann $856 $1,279 $1,915 $2,164
Allstate $379 $567 $664 $963
Western Mutual/Residence $675 $1,054 $1,280 $1,572
California Casualty $556 $877 $988 $1,150

Fremont, CA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 217.65
$150,000 To $174,999 277.16
$175,000 To $199,999 348.29
$200,000 To $249,999 397.88
$250,000 To $299,999 641.1
$300,000 To $399,999 864.43
$400,000 To $499,999 1,033.41
$500,000 To $749,999 1,322.77
$750,000 To $999,999 1,529.45
$1000,000 To $1499,999 1,684.46
$1500,000 To $2000,000 1,808.47

Visual Guide for Fremont, CA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Fremont, CA | Back to Top

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

List of Fremont, CA Home Insurance Agents by Companies


Fremont, CA Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $209.58 on the home insurance premium is offered to Fremont, CA homeowners who have no previous history of claims filed, Fremont, CA homeowners with one claim have to file an additional home insurance rate of $75, while Fremont, CA homeowners with 2 claims have to pay $180 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -210 1,287
One Claim +75 1,572
Two Claim +180 1,677


Fremont, CA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
94539 886,000 1,515
94555 586,600 1,515
94536 552,600 1,518
94538 482,000 1,437

Factors Affecting Home Insurance Premiums in Fremont, CA

Fremont, CA homeowners pay an average home insurance premium of $1497. Homeowners in Fremont, CA can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Fremont, CA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 969
3 Bedroom 1,038
4 Bedroom 1,592
5 Bedroom 3,115

Fremont, CA Home Insurance Premiums for Different Deductibles | Back to Top

Fremont, CA Homeowners with a deductible of $500 pay a higher amount for home insurance, while Fremont, CA homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,479
$1000 Deductible 1,338
$1500 Deductible 1,260
$2000 Deductible 1,143
$2500 Deductible 1,075

Fremont, CA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Fremont, CA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,123
Year 30 Old 1,519
Year 40 Old 1,536
Year 50 Old 1,554
Above Year 50 1,569

Fremont, CA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 180 1,317
Masonry 75 1,422
Brick 75 1,422
Superior 150 1,347
Hail Resistant Roof 45 1,452

Top Saving Tips on Fremont, CA Homeowners Insurance | Back to Top

Fremont, CA Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Fremont, CA Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Fremont, CA homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Fremont, CA homeowners can take advantage of to increase their savings.

Fremont, CA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 210 1,287
Retiree Discount (Senior Citizen Discount) 210 1,707
Newly Constructed Home 374 1,123

Fremont, CA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 195 1,302
Fire Extinguishers 150 1,347
Smoke Detectors 135 1,362
Sprinkler System 135 1,362
Fire Alarm 90 1,407
Burglar Alarm 135 1,362
Lightning Protection 60 1,437

Latest Home Insurance Reviews

Progressive
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.
Progressive
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.
Progressive
They were prompt with helping me on a roof claim, but they do a poor job trying to explain their annual price increases.
Farmer's Insurance
I feel it is approximate to other companies with a lower monthly rate, it seems to offer the same as others.
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.
Liberty Mutual
I have had good experiences, however we recently switched our auto insurance to progressive, because it was much cheaper and even though Liberty Mutual was nice, they could not offer what Progressive did.
State Farm
No words to describe my company because it is good compare another insurance company.They understand people's situation.
Allstate
comparing the coverage offered by this insurance with respect to the competencies it seems to me that its annual fee price is adjusted to reality, where the competencies offer a higher cost of quota offering the same coverage.
Progressive
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.
Geico
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.
Allstate
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.
Allstate
The company is well known. Competitive prices. Agent in town and available to answer any questions.
Geico
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.