Livermore Insurance Rates:

Livermore, CA homeowners insurance is roughly $548 to $743, about $45-$61/month. Our all inclusive guide indicates shoppers can save as much as $258 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How Much is Home Insurance Costs in Livermore, CA

The average cost of home insurance in Livermore, CA, is $1839. You must have home insurance if you own a home in Livermore, CA. This is because home insurance protects your home and belongings in case of a covered loss, such as a fire or theft. Home insurance also provides liability coverage if someone is injured on your property. Without home insurance, you could be financially responsible for any damages or injuries on your property.

Many different home insurance policies are available, so it is important to research to find the best policy that meets your needs. Make sure to get quotes from multiple insurance companies so that you can compare rates and coverage options. Once you have a home insurance policy, you can rest assured knowing that you and your home are protected. The worth of the home and its contents, the materials used to build it, the location, and the age of the house are just a few of the variables that affect the price of homeowners insurance in Livermore, California. VHome has thoroughly investigated these elements through its in-depth research.

Cost of Insurance Based on the Coverage Level in Livermore, CA

The cost of home insurance in Livermore, CA, is determined by the coverage level that the policyholder selects. The higher the coverage level, the higher the cost of the policy. However, the coverage level also affects the amount of protection provided. For example, a policy with a higher coverage level will typically have a lower deductible than a policy with a lower coverage level. In Livermore, California, homeowners who choose $100k coverage spend $295 for their policy. In Livermore, California, homeowners typically opt for coverage between $200K and $300K, costing $559 and $1095, respectively.

Cost of Insurance Based on the Deductibles in Livermore, CA

Most home insurance policies are determined by the coverage you need and the deductible you choose. Your deductible is the amount you'll need to pay out-of-pocket before your insurance company starts paying for a covered claim. Your house insurance premium will go down the more you decide to spend out of pocket. Your financial situation and risk appetite will determine your deductible. For example, in Livermore, California homeowners who choose a $500 low deductible pay $1816.93 for their homeowner's insurance. In contrast, Livermore, California homeowners who choose a high deductible of $2500 pay $1320.4 for their house insurance.

Cost of Insurance Based on the Age of the Home in Livermore, CA

As the age of a home in Livermore, CA, increases, the cost of home insurance increases. This is because older homes are more likely to have issues that need to be covered by insurance, such as structural damage, plumbing problems, and electrical issues. For instance, in Livermore, California, homeowners insurance costs $1866.58 and $1886.81 for houses older than 30 and 40 years, respectively. On the other hand, freshly built homes are less likely to undergo damage, and home insurance companies give them large discounts. For instance, new construction in Livermore, California, can qualify for $1324.08 less in home insurance.

Livermore, CA Homeowners Insurance By Home Value

Livermore, CA Home Value Total Homes % of Total Average Livermore, CA Homeowners Insurance
Less than $50,000 210 3.0% $32
$60,000 to $69,999 81 1.0% $83
$80,000 to $89,999 86 1.0% $109
$100,000 to $124,999 148 2.0% $142
$150,000 to $174,999 193 3.0% $213
$175,000 to $199,999 116 1.0% $245
$200,000 to $249,999 282 4.0% $290
$250,000 to $299,999 955 15.0% $361
$300,000 to $399,999 3,840 63.0% $458

Top Home Insurance Agents Near Livermore, CA

Home Insurance Company Near Livermore, CA Homeowners Insurance Agency Near Livermore, CA Address
Travelers Arch Insurance Group FOUR EMBARCADERO CNT STE 2000, SAN FRANCISCO, CA, 94111
Allstate Christopher Chan 2136 Clement St, San Francisco, CA, 94121
State Farm Jessica Hebert 490 Grand Ave Ste 210, Oakland, CA, 94610-5058
Nationwide Nathan Douglas Gleason Agency 1625 The Alameda STE 402, San Jose, CA, 95126-2230
Travelers San Ramon Insurance Agency Inc 2303 CAMINO RAMON STE 210, SAN RAMON, CA, 94583

Livermore, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Livermore, CA

Streets in Livermore Area Homeowners Insurance Cost
Big Basin Way, Church St, California Way, Baltusrol Rd, Lennox Ct, Kim Ct, Accra Ct, del Norte Ct, Milan Ct, Canton Ave$649
Pienza St, Lorraine Rd, Virginia Dr, Barouni Ct, Michell St, Round Hill Dr, Springvale Dr, Warsaw Ave, Rubicon Way, Pelican Ct$663
Cromwell St, Corall Hollow Rd, Landmark Ln, Acorn Way, Emory Way, Oleander St, Sterling Pl, Pesaro Way, Bower Ct, Sparrow Ct$668
Quail Ct, Glenn Cmn, Superior Dr, Sirah Ct, Yale Way, Almaden Way, Cascade Ave, Peregrine St, Las Colinas Rd, Gardella Plz$681
el Padro Dr, Bluffs Ct, Jade Pl, Chiavari Cmn, Rebecca Dr, Garnet Dr, Alden Ln, Dana Ct, Redbud Dr, Lakehurst Rd$656
Derby Ct, Felicia Ct, Four Hill Cmn, Tammy Ct, Cabernet Way, Hayes Ct, Franklin Ln, Robinson Cir, York Way, Everglades Ln$653
Independence Dr, Maybeck Ln, Mallard Ct, Swallow Ct, Lyra Ct, Alsace Ct, Eucalyptus Ct, Windermere Cir, Dartmouth Way, Murdell Ln$640
Mars Ct, Lomitas Ct, Whithorn Ct, Forget Me Not Cmn, Almond Ave, Chandler Ct, Kellogg Pl, Zinnia Ct, E Vineyard Ave, S Dublin Ranch Dr$699
Madrone Way, Bradford Way, Swan Pl, Thrasher Ave, Iroquois Ave, Robert Way, Livorno St, N Vasco Rd, Alviso Pl, Padua Way$705
Compton Ct, Roma Ct, Research Dr, Dover Way, Kennedy St, Joan Way, S L St, Northfront Rd, Elston St, Whitehall Ct$664

Livermore, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Livermore$96 to $99
Livermore-Pleasanton$99
Pleasanton$102
Dublin$98

Livermore, 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
Livermore-Pleasanton CCD, Alameda County, California $99 $132 $198
Pleasanton city, California $102 $136 $204
Dublin city, California $98 $131 $197

Livermore, 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
Livermore, CA1.9%11.0%
Livermore-Pleasanton1.77%9.69%
Pleasanton1.71%8.28%
Dublin1.74%8.73%

Livermore Renters Insurance as a Percentage of Rent

Livermore Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 244 2.0% $775
$300 to $499 259 3.0% $1225
$500 to $749 141 1.0% $1900
$750 to $999 703 8.0% $2650
$1,000 to $1,499 3,423 41.0% $3775
$1,500 or more 3,385 41.0% $5425

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewAmerican Modern570
150000250NewFirst American Ins360
1500002504-6 YearsAIG Prop Cas590
150000500NewTokio Marine America203
1500005004-6 YearsNationwide500
1500005007-15 YearsGrange679
15000050016-25 YearsFirst American Ins487
15000050026-40 YearsHorace Mann499
15000050026-40 YearsQBE (Balboa)686
15000050026-40 YearsWestern Mutual/Residence616
15000050041-70 YearsSafeco400
2000005004-6 YearsGeneral Ins310
2000005004-6 YearsWestern Mutual/Residence482
2500001000NewNationwide446
2500001000NewPrivilege Underwriters Exch750
250000100016-25 YearsCentury National677
250000100016-25 YearsFarmers (Fire Ins)1091
250000100026-40 YearsGrange1001
250000100026-40 YearsHorace Mann P & C825
250000100026-40 YearsIDS Property Casualty663
250000100026-40 YearsQBE (Balboa)808
250000100041-70 YearsUnigard Group636
2500005007-15 YearsCalifornia Capital631

Livermore, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$5,300
Yearly Livermore Homeowner Insurance Premium Example $2,100$1,300
Out of Pocket Expense During Claim$1,300$5,300
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $13,900$13,100
Net Savings to Livermore Home Owner from High Deductible Plan $800

Livermore, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Livermore, CA Home Replacement Value MORE than Home Value Livermore, CA Home Replacement Value LESS than Home Value
Replacement Value $737,000 $451,000
Insurance Premium based on Replacement Value $2,575 $1,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $184,500 Risk Exposure from Under Insuring Coverage is $101,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $650/year

Example Livermore Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmChubb Group of InsuranceAmica Mutual Insurance Company
Monthly Premium 5317699
Year Built 200619811973
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$700000-$800000$500000-$600000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 430,000 Metal Roof 1,680 3 $2500-$5000 Deductible 180 3 Vinyl siding yes
1993 535,000 Wood Shake Roof 2,120 4 $500- $1000 Deductible 130 1 Wood siding No
1963 345,000 Membrane Roof 1,440 3 $2500-$5000 Deductible 460 8 Stone Siding No
1988 415,000 Membrane Roof 2,200 4 $5000 to $10,000 Deductible 170 2 Wood siding yes
1995 365,000 Shingles Roof 1,830 3 $1000-$2500 Deductible 380 5 Brick siding No
1999 530,000 Tile Roof 1,870 4 $500- $1000 Deductible 620 6 Brick siding yes
2012 650,000 Asphalt Shingles Roof 2,670 4 $500- $1000 Deductible 970 5 Fiber-Cement Siding yes
2014 300,000 Membrane Roof 1,400 3 $2500-$5000 Deductible 110 2 Wood siding No
1964 385,000 Tile Roof 1,460 3 $1000-$2500 Deductible 370 6 Fiber-Cement Siding yes
1975 595,000 Tile Roof 2,820 4 $2500-$5000 Deductible 1370 9 Vinyl siding yes
1968 545,000 Shingles Roof 2,010 3 $500- $1000 Deductible 570 4 Fiber-Cement Siding No
2011 595,000 Wood Shake Roof 2,910 5 $5000 to $10,000 Deductible 290 4 Fiber-Cement Siding No
1969 1,290,000 Shingles Roof 4,680 5 $5000 to $10,000 Deductible 1570 10 Stone Siding yes
1987 485,000 Slate Shingles Roof 2,060 4 > $10,000 Deductible 540 12 Brick siding No
2010 660,000 Wood Shake Roof 2,580 4 > $10,000 Deductible 160 2 Fiber-Cement Siding No
1975 540,000 Asphalt Shingles Roof 2,160 4 $2500-$5000 Deductible 240 2 Stone Siding yes
2011 405,000 Composition Roof 1,680 4 > $10,000 Deductible 460 7 Stucco siding yes
1981 265,000 Tile Roof 1,210 3 $2500-$5000 Deductible 60 1 Fiber-Cement Siding No
1965 295,000 Asphalt Shingles Roof 1,450 3 > $10,000 Deductible 270 7 Stucco siding No
2002 645,000 Composition Roof 2,830 4 $500- $1000 Deductible 120 1 Stucco siding No
1976 485,000 Asphalt Shingles Roof 2,210 3 $5000 to $10,000 Deductible 360 4 Brick siding yes
1992 490,000 Tile Roof 2,370 3 > $10,000 Deductible 220 4 Wood siding No
1995 345,000 Tile Roof 1,250 3 $500- $1000 Deductible 120 2 Brick siding yes
1965 695,000 Composition Roof 3,280 4 $500 Deductible 1300 8 Vinyl siding yes
1990 595,000 Asphalt Shingles Roof 2,360 4 $500 Deductible 1810 12 Vinyl siding No
1996 950,000 Composition Roof 3,600 5 $5000 to $10,000 Deductible 1050 6 Wood siding yes
1999 380,000 Membrane Roof 1,630 5 $500 Deductible 540 6 Vinyl siding yes
2002 420,000 Shingles Roof 2,110 4 $500- $1000 Deductible 300 4 Vinyl siding yes
2001 465,000 Tile Roof 1,910 5 $5000 to $10,000 Deductible 590 9 Fiber-Cement Siding No
2011 675,000 Wood Shake Roof 2,790 5 $5000 to $10,000 Deductible 470 4 Stone Siding yes
1990 335,000 Membrane Roof 1,660 3 > $10,000 Deductible 220 6 Stucco siding yes
1974 660,000 Composition Roof 3,090 4 $5000 to $10,000 Deductible 1000 10 Stucco siding yes
1971 755,000 Shingles Roof 3,790 5 $500- $1000 Deductible 1750 10 Vinyl siding No
1970 705,000 Wood Shake Roof 2,770 4 $2500-$5000 Deductible 200 2 Stone Siding No

Latest Home Insurance Reviews

Geico
The policy offerings compared to other insurance providers is good. They offer the same type of policies as most places, but they are affordable above anything else.
Mercury
I like my insurance company, mercury insurance because it employs my wife as an agent and pays enough to cover our bills and allows us to eat.
Geico
We switched over the Geico because of the great rates that are provided compared to leading competitors. Both premium and deductible were lower as well as incentives to lower further if making large lump payments instead of monthly.
Mercury
They offer better insurance for your home and basically the things u have inside them,they are very well efficient
State Farm
I like the agents that work at state farm. they are always friendly and willing to help me with any questions i ask. they are so informative that i always learn more.
Nationwide
THE PREMIUM IS ABOUT WHAT OTHER COMPANIES CHARGE BUT WE HAVE TO PAY MORE BECAUSE OF THE NIMRODS IN CALIFORNIA HAVING FIRES CONSTANTLY AND THE FLOODS IN THE EAST AND HURRICANES AND NITWITS WHO HAVE TO LIVE BY THE OCEAN
Allied Insurance
My premium is much lower than what I was previously paying for State Farm. I was able to save a considerable amount each year on my premium.
Allstate
I have always had a good interaction with both our agent and having to call the company customer service department directly. I have never had any hassles.
State Farm
it has very useful benefits, also cheap payment, we can easily get amount by this insurance company. so i recommend the company.

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