Hayward Insurance Rates:

Hayward, CA homeowners insurance is roughly $535 to $724, about $44-$60/month. Our complete research reveals consumers can save as much as $251 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend Mercury Insurance to others for home insurance. They have competitive rates and good customer service. We have been with them for six years and plan to continue with our policy with them in the future.
State Farm
I would recommend this company becaue they have always been prompt torespond to my claims.
Westfield Insurance
My premium is fairly high for the coverage and the deductible is as well. I am unhappy with how much the premium has went up over the last 9 years. They get a 2 on that.
State Farm
I have a car insurance from the same company so i knew that StateFarm would give me the better deal compared to others
State Farm
Theft is one of my biggest concerns as a homeowner in my neighborhood and the fact that state farm covers theft gives me confidence in them.
Saferoad Insurance
Sometimes they give you one deal over the phone but tell you another thing when you show up at the office, they can be a little more consistent while making deals with their prices.
Their customer support is great. you can request to speak to a person in a different language and they are all very knowledgeable.
State Farm
I think the website is easy to use. The only problem is how you have to contact an agent and cannot chat with them or get live support online. This is very inconvenient.
State Farm
I'm happy with the price of the quotes. They typically have the lowest price for the amount of coverage that you end up getting when compared to other companies.
State Farm
When I called they went out of their way to help me out and get it all set up properly. I have no complaints on this.
Whenever I had queries regarding policies they were helpful. I haven't had any accidents so I didn't have to file any claims so that is that.
Safeco Insurance
I think their premium is quite competitive compared to other companies. They don't have that much difference compared to others which makes them okay in terms of selecting an insurance company.
I've never had any problem finding the information I need. I can easily find the contact numbers too, which is the number one reason I sign on.
The friendly behavior and cooperation of all the staffs create a good reputation and helps the people to have a better experience.
I dislike that my premiums have kept increasing over the past few years. However, the increase is still very small compared to what I would be paying any other company from whom I have received quotes.
State Farm
My only dislike for the company is the website. It never updates or changes the main page, still showing a stupid, boring picture.
I would say a 2 only because it was a pain in the ass to get our house insured. It was so hard because we're in the middle of a remodel and making some big changes
State Farm
Overall, the company provides me with a sense of security. I have had my current insurance company for almost 20 years and I have never once had a major issue with them. I know that if need be I have that extra protection available to me and great customer service agents to assist me along the way.
State Farm
The prices are good when you bundle your insurance, they have a bank option and a credit card company as well which can be nice
Allied Insurance
The only dealings that I've ever had with them were for the roof damage. I felt that I was low balled on purpose to get out of paying my claim.

Hayward, CA Homeowners Insurance By Home Value

Hayward, CA Home Value Total Homes % of Total Average Hayward, CA Homeowners Insurance
Less than $50,000 2,918 8.0% $37
$50,000 to $59,999 438 1.0% $81
$100,000 to $124,999 717 1.0% $176
$125,000 to $149,999 650 1.0% $220
$150,000 to $174,999 1,499 4.0% $257
$175,000 to $199,999 1,129 3.0% $301
$200,000 to $249,999 4,506 12.0% $364
$250,000 to $299,999 6,435 17.0% $440
$300,000 to $399,999 16,998 46.0% $566

Top Home Insurance Agents Near Hayward, CA

Home Insurance Company Near Hayward, CA Homeowners Insurance Agency Near Hayward, CA Address
State Farm David Recoder 1333 San Pablo Ave, Pinole, CA, 94564-2431
Travelers Isu Sander Jacobs Cassayre Insurance Services 3200 VILLA LN, NAPA, CA, 94558
Liberty Mutual Juli Ayers 2603 Camino Ramon Ste 365, San Ramon, CA, 94583
Liberty Mutual Independent Leavitt Pacific Insurance Brokers Inc. 1330 S. Bascom Avenue San Jose, Campbell, CA, 95128
State Farm Traci Hollander 1501 Church St, San Francisco, CA, 94131-2017

Hayward, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Hayward, CA

Streets in Hayward Area Homeowners Insurance Cost
Avansino St, Chico Dr, Callaway St, Cheney Ln, Boca Raton St, Gannet Ln, New Haven Way, Stanwood Ave, Army St, Cannistraci Ln$629
Superior Ave, Times Ave, la Playa Dr, Hull Ct, Trevor St, Sunset Ct, Freshmeadow Ct, Reamer Rd, Luvena Dr, Marciel Ct$671
Marshall Ln, Compton Ct, Old Fairview Ave, Modoc Ave, Rocky Point Ct, 173rd Ave, Greenhills Ave, Sleepy Hollow Ave S, Carpentier St, Phelan Ave$646
Lemas Pl, Delta Ct, Murray Dr, Oak Terrace Rd, Helo Dr, Arthur Ave, Castille Ln, Shadow Ridge Dr, Halcyon Dr, Cooper Ave$663
Bertero Ave, Denning Ct, Via Harriet, West Ct, Sarasota Ln, Stratford Rd, Limetree Pl, Dilleta Ave, Wicks Ln, Napoleon Ct$623
170th Ave, Lone Tree Pl, Vagabond Ln, Dalmatia Pl, Victory Dr, Adair Dr, Buti Park Ct, Hacienda Ave, Chaplet St, Research Pl$594
Huntwood Way, Yosemite Way, Teola Ct, Cottage Ct, Castlewood Ct, Macatera St, Cromwell Pl, Mossy Rock Dr, N 6th St, Bailey Ranch Rd$613
Hoffman Way, Lindsay Ln, Fantail Ct, Bright Pl, Groom St, Azores Pl, Azalea Ct, Persimmon Dr, Solitaire Ct, Limehouse Ln$632
Pacific Grove Ct, Belvedere Ave, Cedarbrook Rd, Boxwood Ave, Rosewood Ct, Aylesbury Ct, Rock Springs Dr, Whitman St, Via Pacheco, Swift Ct$623
Simon St, Aldengate Way, Hillside Dr, Bermuda Ln, Anderson Pl, Warwick Ave, Oceanside Way, Carleen Dr, Forbes Ave, Windsor Dr$667

Hayward, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hayward$94 to $96

Hayward, 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
Cherryland CDP, California $93 $124 $186
Ashland CDP, California $92 $122 $183
Fairview CDP, California $95 $127 $191

Hayward, 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
Hayward, CA2.2%12.5%

Hayward Renters Insurance as a Percentage of Rent

Hayward Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 771 1.0% $784
$300 to $499 1,294 2.0% $1234
$500 to $749 1,897 3.0% $1909
$750 to $999 8,027 15.0% $2659
$1,000 to $1,499 24,056 47.0% $3784
$1,500 or more 13,908 27.0% $5434

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewMercury Ins Group288
2500001000NewQBE (Balboa)461
7500002500NewPrivilege Underwriters Exch1851
1500005001-3 YearsUSAA324
25000010001-3 YearsCentury National670
3000005001-3 YearsNationwide591
50000025001-3 YearsTravelers617
1500005004-6 YearsAAA (Interinsurance Exchange)401
1500005004-6 YearsAmica Mutual502
1500005004-6 YearsNationwide422
2000005004-6 YearsCalifornia Capital532
25000010004-6 YearsEncompass615
2500005004-6 YearsAmerican Reliable727
2500005004-6 YearsCSAA Ins Exch774
2500005004-6 YearsFarmers (Fire Ins)750
1500005007-15 YearsHomesite643
2000005007-15 YearsHartford (Sentinel)531
2000005007-15 YearsMetropolitan Direct1006
2000005007-15 YearsStillwater Prop & Cas Co592
2000005007-15 YearsUnigard Group714
2500005007-15 YearsHorace Mann P & C793

Hayward, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Hayward Homeowner Insurance Premium Example $2,100$1,700
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,500$14,700
Net Savings to Hayward Home Owner from High Deductible Plan $800

Hayward, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hayward, CA Home Replacement Value MORE than Home Value Hayward, CA Home Replacement Value LESS than Home Value
Replacement Value $446,000 $283,000
Insurance Premium based on Replacement Value $1,125 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $71,000 Risk Exposure from Under Insuring Coverage is $92,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $175/year

Example Hayward Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersAllstate
Monthly Premium 605969
Year Built 196919531972
Home Details 3 Beds, 1 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$350000-$400000$300000-$350000
Deductible > $10,000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 325,000 Composition Roof 1,590 2 $5000 to $10,000 Deductible 780 12 Fiber-Cement Siding yes
1970 255,000 Wood Shake Roof 1,320 3 $2500-$5000 Deductible 450 10 Brick siding No
1963 395,000 Shingles Roof 2,110 4 $500- $1000 Deductible 90 1 Stone Siding No
1973 175,000 Composition Roof 920 2 $500 Deductible 370 8 Fiber-Cement Siding No
1950 825,000 Wood Shake Roof 4,990 5 $500 Deductible 550 2 Stucco siding yes
1964 280,000 Wood Shake Roof 1,370 3 $1000-$2500 Deductible 210 4 Brick siding No
1969 280,000 Tile Roof 1,640 4 $1000-$2500 Deductible 50 1 Stucco siding No
1961 605,000 Slate Shingles Roof 3,710 5 > $10,000 Deductible 310 4 Stone Siding yes
1968 1,115,000 Tile Roof 4,980 5 > $10,000 Deductible 610 5 Stucco siding No
1955 605,000 Wood Shake Roof 3,120 4 $500 Deductible 1020 7 Vinyl siding No
1989 470,000 Wood Shake Roof 2,540 5 $5000 to $10,000 Deductible 520 6 Fiber-Cement Siding yes
1978 255,000 Composition Roof 1,430 2 $5000 to $10,000 Deductible 70 2 Fiber-Cement Siding No
1953 185,000 Membrane Roof 1,170 2 $1000-$2500 Deductible 240 7 Brick siding No
1956 480,000 Composition Roof 2,150 3 $5000 to $10,000 Deductible 510 8 Fiber-Cement Siding yes
1979 300,000 Shingles Roof 1,680 3 $500- $1000 Deductible 470 10 Brick siding No
1978 400,000 Metal Roof 1,810 3 $2500-$5000 Deductible 280 5 Brick siding yes
1993 480,000 Asphalt Shingles Roof 2,850 4 > $10,000 Deductible 150 2 Vinyl siding yes
1957 280,000 Tile Roof 1,680 3 $500 Deductible 200 3 Stucco siding No
1950 340,000 Shingles Roof 1,750 5 $500- $1000 Deductible 470 6 Wood siding yes
1990 310,000 Membrane Roof 1,800 4 $2500-$5000 Deductible 280 5 Vinyl siding yes
1990 780,000 Wood Shake Roof 4,880 5 $500- $1000 Deductible 1870 9 Wood siding yes
1954 920,000 Tile Roof 4,610 5 $5000 to $10,000 Deductible 140 1 Wood siding yes
1961 895,000 Tile Roof 4,120 5 $5000 to $10,000 Deductible 2000 12 Brick siding No
1990 280,000 Slate Shingles Roof 1,210 3 $2500-$5000 Deductible 180 3 Fiber-Cement Siding No
1994 715,000 Wood Shake Roof 4,460 5 $500 Deductible 750 5 Stone Siding No
1989 185,000 Shingles Roof 970 2 $2500-$5000 Deductible 170 6 Wood siding yes
1992 240,000 Metal Roof 1,530 3 $1000-$2500 Deductible 820 12 Stucco siding No
1991 805,000 Asphalt Shingles Roof 4,940 5 $500- $1000 Deductible 820 4 Fiber-Cement Siding yes
1960 265,000 Membrane Roof 1,250 2 $1000-$2500 Deductible 80 2 Fiber-Cement Siding yes
1973 665,000 Shingles Roof 3,510 5 $500- $1000 Deductible 860 6 Stucco siding yes
1970 655,000 Asphalt Shingles Roof 2,263 4 $500 Deductible 230 2 Fiber-Cement Siding No

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