Los Altos Insurance Rates:

Los Altos, CA homeowners insurance is approximately $618 to $835, about $51-$69/month. Our detailed research shows customers can save upto $290 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
The state farm insurance company is great service for me every time. when i need to know cover about insurance, every time is wonderful.
Allstate
They have great coverage and they are reliable. they have unlocked our cars multiple times and have been awesome about it.
State Farm
I didn't really look around when I got insurance for our home, but I believe we have a good deal with how much we pay.
State Farm
I wish that there were more discounts or the insurance was a little cheaper. I haven't had an auto accident in over 10 years but don't feel that I am appropriately rewarded for that.
Metlife
It feels like they have our back. When storms damage the roof (hail, tornado) to us it may not look like much damage, but they inspect and say yes. New roof. Glad they know what they're doing.
State Farm
Our agency is phenomenal. Our agent treats us like family and makes sure that we're still good every six months. If I ever had a question or concern about my policy, I can text him or email him and get a response back almost immediately. The 800 number staff is very knowledgeable and a great asset.

Los Altos, CA Homeowners Insurance By Home Value

Los Altos, CA Home Value Total Homes % of Total Average Los Altos, CA Homeowners Insurance
Less than $50,000 14 4.0% $14
$60,000 to $69,999 6 1.0% $43
$70,000 to $79,999 9 2.0% $50
$100,000 to $124,999 57 16.0% $72
$125,000 to $149,999 57 16.0% $94
$150,000 to $174,999 27 7.0% $116
$200,000 to $249,999 84 24.0% $159
$300,000 to $399,999 96 27.0% $247

Top Home Insurance Agents Near Los Altos, CA

Home Insurance Company Near Los Altos, CA Homeowners Insurance Agency Near Los Altos, CA Address
NA Arm Insurance Agency 242 Reservation Rd, Marina, CA, 93933
State Farm Angela Chan 756 Sacramento St, San Francisco, CA, 94108-2505
Farmers Fareh Khalid 542 Lakeside Dr Ste 2e, Sunnyvale, CA, 94085
Farmers Jack Parden 1043 Alameda De Pulgs, Belmont, CA, 94002
Liberty Mutual Oliver Keller 1340 Treat Blvd. Ste 400, Walnut Creek, CA, 94597

Los Altos, 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
Loyola CDP, California $109 $145 $218
Los Altos Hills town, California $109 $145 $218
Mountain View city, California $104 $138 $207

Los Altos, 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
Los Altos, CA1.5%7.0%
Loyola1.51%6.05%
Los Altos Hills1.51%6.05%
Mountain View1.76%9.21%

Los Altos Renters Insurance as a Percentage of Rent

Los Altos Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 34 2.0% $1181
$1,000 to $1,499 177 11.0% $3731
$1,500 or more 1,360 85.0% $5381

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewIntegon/National509
2500001000NewMercury Ins Group250
250000500NewHomesite659
250000500NewTravelers357
250000500NewUniversal North America332
4000001000NewUSAA675
2000005001-3 YearsMAPFRE Group377
2500005001-3 YearsKemper523
40000010001-3 YearsOregon Mutual673
50000025001-3 YearsStillwater Ins Co474
75000025001-3 YearsMercury Ins Group750
1500005004-6 YearsIntegon/National485
25000010004-6 YearsMetropolitan Direct952
25000010004-6 YearsUSAA478
2500005004-6 YearsChubb/Federal1296
2500005004-6 YearsOregon Mutual597
50000010004-6 YearsHartford (Sentinel)808
50000025004-6 YearsPrivilege Underwriters Exch1485
75000025004-6 YearsCalifornia Casualty892
75000025004-6 YearsHorace Mann P & C1621
1500005007-15 YearsNationwide549
2000005007-15 YearsGeneral Ins401

Los Altos, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$5,700
Yearly Los Altos Homeowner Insurance Premium Example $2,400$1,400
Out of Pocket Expense During Claim$700$5,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $15,100$14,100
Net Savings to Los Altos Home Owner from High Deductible Plan $1,000

Los Altos, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Los Altos, CA Home Replacement Value MORE than Home Value Los Altos, CA Home Replacement Value LESS than Home Value
Replacement Value $1,300,000 $820,000
Insurance Premium based on Replacement Value $4,425 $2,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $180,000 Risk Exposure from Under Insuring Coverage is $300,000
Premium Impact Insurance cheaper by $1,025/year Insurance costlier by $600/year

Example Los Altos Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 130121184
Year Built 196819731986
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount More than 10000000$900000-$1000000More than 10000000
Deductible > $10,000 Deductible> $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 970,000 Wood Shake Roof 2,020 3 > $10,000 Deductible 1250 12 Wood siding No
1987 1,040,000 Shingles Roof 2,490 4 $500- $1000 Deductible 1480 6 Fiber-Cement Siding yes
1973 1,930,000 Wood Shake Roof 3,870 5 $2500-$5000 Deductible 760 5 Vinyl siding yes
1984 1,910,000 Tile Roof 3,950 5 > $10,000 Deductible 640 5 Stucco siding No
1982 860,000 Asphalt Shingles Roof 2,270 4 $1000-$2500 Deductible 1000 7 Wood siding No
1974 1,700,000 Wood Shake Roof 4,440 5 $2500-$5000 Deductible 940 5 Vinyl siding yes
1969 2,095,000 Slate Shingles Roof 4,840 5 $1000-$2500 Deductible 1690 9 Fiber-Cement Siding No
1980 750,000 Composition Roof 1,820 3 $500- $1000 Deductible 2000 12 Stone Siding yes
1964 1,280,000 Tile Roof 3,060 4 $1000-$2500 Deductible 1330 6 Vinyl siding yes
1965 1,355,000 Composition Roof 2,700 4 $500 Deductible 1160 4 Fiber-Cement Siding yes
1971 570,000 Shingles Roof 1,420 3 $5000 to $10,000 Deductible 560 9 Fiber-Cement Siding yes
1978 1,235,000 Slate Shingles Roof 2,530 5 > $10,000 Deductible 330 2 Fiber-Cement Siding yes
1983 630,000 Composition Roof 1,590 5 $1000-$2500 Deductible 130 1 Vinyl siding yes
1988 585,000 Slate Shingles Roof 1,230 3 $5000 to $10,000 Deductible 350 3 Stone Siding No
1964 805,000 Metal Roof 1,540 3 $500 Deductible 1040 4 Vinyl siding No
1965 835,000 Shingles Roof 2,200 3 > $10,000 Deductible 270 3 Fiber-Cement Siding yes
1979 995,000 Slate Shingles Roof 2,260 3 > $10,000 Deductible 980 9 Wood siding No
1987 1,405,000 Membrane Roof 2,810 5 $500- $1000 Deductible 530 2 Brick siding No
1973 920,000 Wood Shake Roof 1,800 3 $1000-$2500 Deductible 530 2 Stone Siding yes
1975 660,000 Membrane Roof 1,400 3 $5000 to $10,000 Deductible 550 5 Vinyl siding yes