Hercules Insurance Rates:

Hercules, CA homeowners insurance is approximately $533 to $725, about $44-$60/month. Our in depth analysis 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

Safeco Insurance
I get a response in a timely manner. They are diligent in their customer service and I have no complaints.
Nationwide
My nationwide agent has been wonderful to work with. she is professional and always responds to my questions and concerns. i wouldn't trust my homeowner's insurance to anyone else.
Farmer's Insurance
I don't like their computer software it always has troubles when i ask for a receipt for tax purposes later.
Nationwide
The insurance is very affordable and works with anyone's budget. the company has good representatives to handle any questions or issues as well.
Geico
I think it is fairly cheap and one of the cheapest I found for our area. I searched a bunch before picking one to use
Farmer's Insurance
I don't know how it compares since I’ve been with them for 10 years now. Might not hurt to shop around to see.

Hercules, CA Homeowners Insurance By Home Value

Hercules, CA Home Value Total Homes % of Total Average Hercules, CA Homeowners Insurance
Less than $50,000 36 1.0% $37
$80,000 to $89,999 40 1.0% $132
$100,000 to $124,999 148 4.0% $176
$125,000 to $149,999 88 2.0% $220
$150,000 to $174,999 139 4.0% $264
$175,000 to $199,999 144 4.0% $301
$200,000 to $249,999 554 17.0% $364
$250,000 to $299,999 771 23.0% $446
$300,000 to $399,999 1,335 40.0% $566

Top Home Insurance Agents Near Hercules, CA

Home Insurance Company Near Hercules, CA Homeowners Insurance Agency Near Hercules, CA Address
State Farm Jim Liu 21070 Homestead Road, Cupertino, CA, 95014-0200
Farmers Mark Landis 650 El Camino Real Ste R, Redwood City, CA, 94063
Farmers Matthew Matt Hague Lutcf 1327 Oliver Rd, Fairfield, CA, 94534
Liberty Mutual Independent Solano Insurance Services Inc 2210 BOYNTON AVE STE E, FAIRFIELD, CA, 94533
State Farm Steve Caria 4204 Olympic Ave, San Mateo, CA, 94403-5138

Cost Of Homeowners Insurance By Street Near Hercules, CA

Streets in Hercules Area Homeowners Insurance Cost
Pomona St, Sparrow Dr, Refugio Valley Rd, Lantern Bay, Harbor Way, Pinole St, Ben Lomond, Williams, Good Fellow Dr, Dartford St$621
Cabrillo Norte, Taraya Way, Trestle Cove, Avocet Dr, Tradewind Ln, Langlie Ct, Shepard St, Bonny Doone, Trellis Bay, Hera$643
John Muir Pkwy, Knoll Ct, Stone Pine Ct, Chestnut Dr, Pepperwood St, Johnson St, Aruba Ct, Dome Ct, Dogwood Ct, Franklin Canyon Rd$619
Pecan Dr, Pyrmont Ct, California St, Linus Pauling Dr, Chinquapin Ct, Lily Ct, Castro Ranch Rd, Secret Cove, Bay St, Vista del Rio St$618
Scupper Ct, S Front St, Tidewater Dr, Lake Ave, Partridge Dr, Pereira Rd, Mahogany Ln, Cedar Ct, Columbine Dr, Whaler Cir$648

Hercules, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hercules$93 to $96
Pinole$93
Rodeo$92
Montalvin Manor$89

Hercules, 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
Pinole city, California $78 $104 $156
Rodeo CDP, California $77 $103 $154
Tara Hills CDP, California $78 $103 $155

Hercules, 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
Hercules, CA1.9%9.0%
Pinole2.16%11.45%
Rodeo2.24%12.22%
Tara Hills2.68%14.96%

Hercules Renters Insurance as a Percentage of Rent

Hercules Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 38 2.0% $334
$300 to $499 69 3.0% $1234
$500 to $749 128 6.0% $1909
$750 to $999 187 10.0% $2659
$1,000 to $1,499 434 23.0% $3784
$1,500 or more 1,008 54.0% $5434

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002504-6 YearsCSAA Ins Exch686
15000025016-25 YearsCalifornia Capital606
15000025016-25 YearsMetropolitan Direct1081
150000500NewAIG Prop Cas720
1500005001-3 YearsCSAA Ins Exch539
1500005004-6 YearsUnigard Group582
2000005007-15 YearsCalifornia Casualty816
20000050016-25 YearsAAA (Interinsurance Exchange)783
20000050016-25 YearsFirst American Ins698
20000050016-25 YearsMercury Ins Group577
20000050041-70 YearsHorace Mann646
2500001000NewCalifornia Casualty427
25000010004-6 YearsHorace Mann582
250000100016-25 YearsBankers Standard1855
250000100016-25 YearsForemost Insurance1038
250000100026-40 YearsIntegon/National750
250000100041-70 YearsHorace Mann745
2500005007-15 YearsAmerican Security1091
2500005007-15 YearsForemost Insurance1017
2500005007-15 YearsUnigard Group1000
25000050016-25 YearsWawanesa435
25000050026-40 YearsCSE Safeguard781
25000050041-70 YearsNationwide942
3000005001-3 YearsWawanesa443

Hercules, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Hercules Homeowner Insurance Premium Example $2,700$2,200
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $19,700$19,200
Net Savings to Hercules Home Owner from High Deductible Plan $500

Hercules, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hercules, CA Home Replacement Value MORE than Home Value Hercules, CA Home Replacement Value LESS than Home Value
Replacement Value $557,000 $349,000
Insurance Premium based on Replacement Value $1,625 $1,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $93,000 Risk Exposure from Under Insuring Coverage is $115,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $275/year

Example Hercules Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 8319359
Year Built 198120101997
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $400000-$500000$700000-$800000$400000-$500000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 360,000 Membrane Roof 2,220 4 $5000 to $10,000 Deductible 590 9 Vinyl siding yes
1990 400,000 Slate Shingles Roof 2,140 4 $2500-$5000 Deductible 720 7 Vinyl siding yes
1992 595,000 Slate Shingles Roof 3,880 5 > $10,000 Deductible 640 7 Fiber-Cement Siding No
1991 695,000 Slate Shingles Roof 3,270 4 $500 Deductible 400 2 Wood siding No
2013 495,000 Shingles Roof 2,790 4 $2500-$5000 Deductible 80 1 Stone Siding yes
2012 380,000 Membrane Roof 2,220 4 $2500-$5000 Deductible 680 9 Stone Siding No
2001 320,000 Metal Roof 1,490 3 $2500-$5000 Deductible 790 12 Vinyl siding No
1987 845,000 Tile Roof 4,170 5 $500- $1000 Deductible 1220 6 Fiber-Cement Siding No
2014 290,000 Wood Shake Roof 1,350 3 $1000-$2500 Deductible 480 10 Brick siding No
1988 490,000 Asphalt Shingles Roof 2,320 4 $1000-$2500 Deductible 690 6 Vinyl siding yes
2013 265,000 Slate Shingles Roof 1,620 5 > $10,000 Deductible 200 7 Fiber-Cement Siding yes
2011 665,000 Shingles Roof 3,640 5 $500 Deductible 370 2 Vinyl siding No
1995 460,000 Composition Roof 2,180 5 $500- $1000 Deductible 690 7 Wood siding yes
2005 930,000 Membrane Roof 4,080 5 $500 Deductible 360 2 Vinyl siding yes
1999 380,000 Membrane Roof 1,850 3 $5000 to $10,000 Deductible 330 5 Stone Siding No
1981 485,000 Shingles Roof 3,060 5 > $10,000 Deductible 500 10 Stucco siding yes
2009 395,000 Slate Shingles Roof 1,720 4 $500- $1000 Deductible 70 1 Stone Siding No
1984 335,000 Membrane Roof 1,900 3 $500 Deductible 850 9 Fiber-Cement Siding yes
1991 970,000 Slate Shingles Roof 4,630 5 $500 Deductible 2130 10 Stucco siding No
1988 235,000 Wood Shake Roof 1,340 3 $5000 to $10,000 Deductible 90 2 Brick siding No
2011 225,000 Tile Roof 1,300 3 $500 Deductible 560 10 Vinyl siding yes
1982 450,000 Wood Shake Roof 2,280 3 $500- $1000 Deductible 610 7 Brick siding No
1986 660,000 Wood Shake Roof 3,200 4 $1000-$2500 Deductible 530 5 Brick siding yes
2003 425,000 Composition Roof 1,890 4 $5000 to $10,000 Deductible 170 3 Vinyl siding yes
1986 525,000 Metal Roof 2,710 5 $2500-$5000 Deductible 800 9 Stucco siding yes
1994 890,000 Composition Roof 4,710 5 $1000-$2500 Deductible 750 5 Stucco siding No
1997 430,000 Asphalt Shingles Roof 2,280 3 $500- $1000 Deductible 270 2 Stucco siding yes
1991 280,000 Slate Shingles Roof 1,670 3 $500- $1000 Deductible 270 5 Wood siding yes
1983 300,000 Slate Shingles Roof 1,560 5 $5000 to $10,000 Deductible 560 10 Brick siding yes
2008 470,000 Membrane Roof 2,830 4 > $10,000 Deductible 200 3 Brick siding No
2003 575,000 Asphalt Shingles Roof 3,100 4 $500- $1000 Deductible 950 8 Brick siding yes
2011 530,000 Metal Roof 3,110 5 $2500-$5000 Deductible 380 5 Brick siding yes