Gilroy Insurance Rates:

Gilroy, CA homeowners insurance is nearly $543 to $737, about $45-$61/month. Our exhaustive research indicates shoppers can save upto $256 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I like that state farm provides insurance for homes as well as automobiles at a very reasonable cost. it's a lot easier for me to make one payment a month and get a discount for having both under the same company.
Farmer's Insurance
Their website is terrible. the password configuration is confusing and i can never remember it, and the site itself is not easy to navigate
Allstate
I like our local allstate agent's office and location. it has a "small-town" feel. the employees are friendly and helpful. plus, they are involved in the community, even handing out candy to children at halloween events. small personal touches like this are important to me in choosing businesses.
Farmer's Insurance
I like the price. Though I have never filed a claim for damage to my home, I hope they would be responsive. The price is really the only thing that I like.
State Farm
They don't over communicate and bombard me with junk mail or spam so, I am happy with the level of communication they provide.
State Farm
I own a small home, so my premium is rather low based on that fact. I do not feel like I pay very much at all.
State Farm
They are always friendly and happy to help with claims. They give me the advice to help with my specific situation rather than helping what is best for the company.
Geico
I like that they take care of the things that they need to without making life uncomfortable and they charge a reasonable rate that has one up very little in the last fourteen years.

Gilroy, CA Homeowners Insurance By Home Value

Gilroy, CA Home Value Total Homes % of Total Average Gilroy, CA Homeowners Insurance
Less than $50,000 210 6.0% $32
$50,000 to $59,999 60 1.0% $70
$60,000 to $69,999 46 1.0% $89
$150,000 to $174,999 114 3.0% $224
$175,000 to $199,999 138 4.0% $262
$200,000 to $249,999 439 13.0% $313
$250,000 to $299,999 417 12.0% $384
$300,000 to $399,999 1,845 55.0% $486

Top Home Insurance Agents Near Gilroy, CA

Home Insurance Company Near Gilroy, CA Homeowners Insurance Agency Near Gilroy, CA Address
NA Peterson's Insurance Agency 1270 Benton St Santa Clara, San Jos\u00e9, CA, 95050
NA Pacific Legacy Insurance Services, Inc. 27875 Berwick Drive, Suite C , Carmel, CA, 93923
Travelers Jurich Insurance Agency 7564 DRIFTWOOD WAY, PLEASANTON, CA, 94588
State Farm Nathan Jones 2000 Freedom Blvd, Freedom, CA, 95019-2834
Farmers Veronica "Vero" Esquivel 4340 Almaden Expy Ste 210, San Jose, CA, 95118

Cost Of Homeowners Insurance By Street Near Gilroy, CA

Streets in Gilroy Area Homeowners Insurance Cost
Valley Forge Dr, Angela Ct, Foothill Ave, Summerhill Cir, Delta Ct, Sheldon Ave, Carignane Dr, Deeva Ct, Chesapeake Pl, Juniper Dr$646
Oak Brook Way, el Verano Way, Radtke Ave, Milias Ct, el Cerrito Way, Birdsong St, Farrell Ave, Hollister Rd, Hopi Ln, Hyde Park Dr$627
Hanna St, Mayock Rd, Marcella Ave, Larkspur Ln, Gourmet Aly, Pacheco Pass Hwy Ram, el Dorado Dr, Arapaho Dr, Los Padres Ct, Festa Aglio Dr$653
Mossrose Way, Portmarnock Way, Rucker Ave, Las Animas Ave, Martiri Ct, Blue Parrot Ct, E Hillview Ct, Hacienda Dr, Peacock Ct, Utica Pl$653
Arbor St, Crawford Dr, Southside Dr, Arnold Dr, Carr Pl, Desert Bloom Pl, Llagas Ave, Emerson Ct, Bosco Ln, Gary St$630

Gilroy, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gilroy$95 to $98
South Santa Clara Valley$98
San Martin$103
Llagas-Uvas$104

Gilroy, 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
South Santa Clara Valley CCD, Santa Clara County, California $82 $109 $164
San Martin CDP, California $86 $115 $172
Llagas-Uvas CCD, Santa Clara County, California $87 $116 $174

Gilroy, 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
Gilroy, CA1.8%10.5%
South Santa Clara Valley1.69%9.78%
San Martin1.55%8.75%
Llagas-Uvas1.57%7.59%

Gilroy Renters Insurance as a Percentage of Rent

Gilroy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 215 3.0% $778
$300 to $499 224 4.0% $1228
$500 to $749 513 9.0% $1903
$750 to $999 569 10.0% $2653
$1,000 to $1,499 2,081 37.0% $3778
$1,500 or more 1,852 33.0% $5428

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
4000001000NewCSE Safeguard719
4000001000NewLiberty Ins Corp660
7500002500NewAmerican Reliable1191
1500002501-3 YearsHorace Mann303
1500005001-3 YearsCalifornia Capital376
1500005001-3 YearsEncompass786
2000005001-3 YearsCalifornia Casualty452
2000005001-3 YearsIDS Property Casualty447
25000010001-3 YearsAmerican Modern1020
25000010001-3 YearsIDS Property Casualty504
2500005001-3 YearsAmerican Reliable603
3000005001-3 YearsGeneral Ins343
3000005001-3 YearsQBE (Balboa)749
50000010001-3 YearsIDS Property Casualty1017
50000025001-3 YearsAmerican Modern1912
3000005004-6 YearsSafeco688
40000010004-6 YearsUnigard Group1374
1500002507-15 YearsCSAA Ins Exch774
1500002507-15 YearsQBE (Balboa)595
1500005007-15 YearsAmerican Security481
1500005007-15 YearsAmica Mutual612

Gilroy, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Gilroy Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,400$10,200
Net Savings to Gilroy Home Owner from High Deductible Plan $1,200

Gilroy, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gilroy, CA Home Replacement Value MORE than Home Value Gilroy, CA Home Replacement Value LESS than Home Value
Replacement Value $547,000 $353,000
Insurance Premium based on Replacement Value $1,300 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $88,000 Risk Exposure from Under Insuring Coverage is $106,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $200/year

Example Gilroy Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 90149123
Year Built 200519942010
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $350000-$400000$800000-$900000$600000-$700000
Deductible $500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 295,000 Slate Shingles Roof 1,590 3 $500- $1000 Deductible 920 12 Wood siding No
1981 425,000 Wood Shake Roof 2,360 4 $1000-$2500 Deductible 770 10 Brick siding yes
1993 375,000 Wood Shake Roof 1,460 3 $500 Deductible 450 5 Fiber-Cement Siding yes
1983 930,000 Tile Roof 4,520 5 $1000-$2500 Deductible 1670 8 Brick siding yes
2011 540,000 Wood Shake Roof 2,360 4 $5000 to $10,000 Deductible 450 5 Wood siding No
2000 670,000 Tile Roof 3,380 4 $1000-$2500 Deductible 980 7 Stone Siding yes
1992 530,000 Asphalt Shingles Roof 2,510 4 $2500-$5000 Deductible 280 2 Brick siding No
2011 920,000 Wood Shake Roof 4,310 5 $5000 to $10,000 Deductible 370 3 Vinyl siding yes
1980 690,000 Metal Roof 2,700 5 $500- $1000 Deductible 180 1 Stone Siding yes
2010 690,000 Asphalt Shingles Roof 3,290 4 $5000 to $10,000 Deductible 380 3 Vinyl siding yes
2006 260,000 Asphalt Shingles Roof 1,200 3 > $10,000 Deductible 70 2 Wood siding No
2003 925,000 Shingles Roof 4,350 5 $5000 to $10,000 Deductible 470 4 Stucco siding yes
1980 785,000 Shingles Roof 3,110 4 > $10,000 Deductible 380 3 Stone Siding yes
1990 495,000 Wood Shake Roof 1,970 3 > $10,000 Deductible 60 1 Fiber-Cement Siding yes
2009 465,000 Wood Shake Roof 2,210 4 $500- $1000 Deductible 120 1 Stone Siding No
1986 1,170,000 Wood Shake Roof 4,840 5 > $10,000 Deductible 990 9 Stucco siding No
2012 340,000 Slate Shingles Roof 1,800 3 $2500-$5000 Deductible 300 4 Vinyl siding yes
1996 340,000 Metal Roof 1,870 4 > $10,000 Deductible 380 8 Stucco siding No
2001 295,000 Membrane Roof 1,390 3 $500- $1000 Deductible 570 9 Vinyl siding No
1987 595,000 Shingles Roof 2,340 3 $1000-$2500 Deductible 350 3 Stone Siding yes
2013 630,000 Composition Roof 2,510 4 > $10,000 Deductible 110 2 Stucco siding yes