Hayward ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Hayward, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Hayward, CA is $1396. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Hayward, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Hayward, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $558 |
| $200,000 | $949 |
| $300,000 | $1,173 |
| $400,000 | $1,787 |
| $500,000 | $2,248 |
Home insurance costs in Hayward can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 094542 | $1,370 |
| 94541 | $1,315 |
| 94545 | $1,320 |
| 94544 | $1,311 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Hayward, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,431 |
| $1000 Deductible | $1,280 |
| $1500 Deductible | $1,208 |
| $2500 Deductible | $1,089 |
| $5000 Deductible | $921 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Hayward, CA | 2.2% | 12.5% |
| Cherryland | 2.55% | 12.91% |
| Ashland | 2.38% | 13.37% |
| Fairview | 2.11% | 11.6% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Hayward | $94 to $96 |
| Cherryland | $93 |
| Ashland | $91 |
| Fairview | $95 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Amco | 336 |
| 200000 | 500 | New | Mercury Ins Group | 288 |
| 250000 | 1000 | New | QBE (Balboa) | 461 |
| 300000 | 500 | New | Encompass | 699 |
| 750000 | 2500 | New | Privilege Underwriters Exch | 1851 |
| 150000 | 500 | 1-3 Years | USAA | 324 |
| 250000 | 1000 | 1-3 Years | Century National | 670 |
| 300000 | 500 | 1-3 Years | Nationwide | 591 |
| 500000 | 2500 | 1-3 Years | Travelers | 617 |
| 150000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 401 |
| 150000 | 500 | 4-6 Years | Amica Mutual | 502 |
| 150000 | 500 | 4-6 Years | Nationwide | 422 |
| 200000 | 500 | 4-6 Years | California Capital | 532 |
| 250000 | 1000 | 4-6 Years | Encompass | 615 |
| 250000 | 500 | 4-6 Years | American Reliable | 727 |
| 250000 | 500 | 4-6 Years | CSAA Ins Exch | 774 |
| 250000 | 500 | 4-6 Years | Farmers (Fire Ins) | 750 |
| 150000 | 500 | 7-15 Years | Homesite | 643 |
| 200000 | 500 | 7-15 Years | Hartford (Sentinel) | 531 |
| 200000 | 500 | 7-15 Years | Metropolitan Direct | 1006 |
| 200000 | 500 | 7-15 Years | Stillwater Prop & Cas Co | 592 |
| 200000 | 500 | 7-15 Years | Unigard Group | 714 |
| 250000 | 500 | 7-15 Years | Horace Mann P & C | 793 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| 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 | |
| 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 |
| Insurance Company | Nationwide Insurance | Travelers | Allstate |
| Monthly Premium | 60 | 59 | 69 |
| Year Built | 1969 | 1953 | 1972 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $350000-$400000 | $350000-$400000 | $300000-$350000 |
| Deductible | > $10,000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |