Menlo Park Insurance Rates:

Menlo Park, CA homeowners insurance is nearly $618 to $835, about $51-$69/month. Our comprehensive research indicates shoppers can save as much as $290 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would absolutely recommend anyone talk to their State Farm agent. They'll discuss all the kinds of coverage so you not only know what you would pay, you know what you would get.
Allied Insurance
We like the low rates and that allied would cover, but we don't like that they dropped us for reasons that weren't properly researched. we like that the staff is friendly and responsive but don't always do their job properly.
Progressive
I have my auto insurance through Progressive, as well, and they beat out very competitive markets even those for veterans so they were the obvious choice to go with.
State Farm
They are well known and i feel like they would be there for me when i need them.
Allstate
Allstate is one of the few companies that are big on customer service. i love that about them. their interactions are to the point, friendly and always seeking to help. i've had some bad experiences with them yet they are always quick to resolve them.
State Farm
Just wish their rates were a bit lower than other products to stay competitive on that front. Hopefully, you get what you pay for I guess. Maybe they will drop some of these in the future.
Travelers
They try to negotiate their interests to you, rather than understanding your needs and meeting them.
Nationwide
I think it’s great to talk to people who work at this company everyone has positive things to say about this company.
Nationwide
I HAD A LOWER DEDUCTABLE OF 100.00 , MY PREMIUMS A MONTH WAS EVERYTHING THAT NEEDED, I WAS VERY HAPPY WITH THE COST ALL THE WAY A ROUND ON MY PREMIUM AND DEDUCTABLE.

Menlo Park, CA Homeowners Insurance By Home Value

Menlo Park, CA Home Value Total Homes % of Total Average Menlo Park, CA Homeowners Insurance
Less than $50,000 32 5.0% $14
$50,000 to $59,999 11 1.0% $36
$70,000 to $79,999 27 4.0% $50
$90,000 to $99,999 26 4.0% $65
$100,000 to $124,999 41 6.0% $72
$125,000 to $149,999 43 7.0% $94
$150,000 to $174,999 59 9.0% $116
$175,000 to $199,999 18 3.0% $130
$200,000 to $249,999 58 9.0% $159
$250,000 to $299,999 18 3.0% $196
$300,000 to $399,999 258 43.0% $247

Top Home Insurance Agents Near Menlo Park, CA

Home Insurance Company Near Menlo Park, CA Homeowners Insurance Agency Near Menlo Park, CA Address
Farmers Brenda Osorio 68 E 11th St Ste 102, Tracy, CA, 95376
Travelers Cavanaugh Smith Habel Insurance Agency 3 WATERS PARK DR STE 227, SAN MATEO, CA, 94403
Farmers Mohamed Bandali 2425 Porter St Ste 18, Soquel, CA, 95073
Allstate Sam Lui 100 Skyline Plz Ste 208, Daly City, CA, 94015
State Farm Van (Von) Le 301 N Jackson Ave Ste 12, San Jose, CA, 95133-2344

Menlo Park, CA Home Insurance Agents for Top Companies


Menlo Park, 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
East Palo Alto city, California $94 $125 $188
North Fair Oaks CDP, California $99 $132 $198
Atherton town, California $109 $145 $218

Menlo Park, 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
Menlo Park, CA1.5%8.3%
East Palo Alto1.99%11.82%
North Fair Oaks2.21%10.41%
Atherton1.51%6.05%

Menlo Park Renters Insurance as a Percentage of Rent

Menlo Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 88 1.0% $731
$300 to $499 98 1.0% $1181
$500 to $749 155 2.0% $1856
$750 to $999 188 3.0% $2606
$1,000 to $1,499 1,507 28.0% $3731
$1,500 or more 3,240 61.0% $5381

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCalifornia Capital350
1500002507-15 YearsUnigard Group660
15000025016-25 YearsAIG Prop Cas976
1500005007-15 YearsNationwide612
1500005007-15 YearsPrivilege Underwriters Exch912
15000050041-70 YearsBankers Standard2142
200000500NewNationwide408
2000005004-6 YearsChubb/Federal1133
2000005004-6 YearsMercury Ins Group529
20000050016-25 YearsFirst American Ins704
20000050041-70 YearsAmerican Modern921
2500001000NewStillwater Ins Co360
2500001000NewTravelers382
25000010007-15 YearsState Farm669
250000100041-70 YearsAmco803
250000100041-70 YearsPacific Property And Casualty781
250000100041-70 YearsPacific Specialty719
2500005001-3 YearsCentury National744
2500005007-15 YearsGeneral Ins563
25000050041-70 YearsKemper880
300000500NewCentury National788
300000500NewUniversal North America418
3000005001-3 YearsHomesite888

Menlo Park, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Menlo Park Homeowner Insurance Premium Example $1,700$1,300
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,100$12,300
Net Savings to Menlo Park Home Owner from High Deductible Plan $800

Menlo Park, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Menlo Park, CA Home Replacement Value MORE than Home Value Menlo Park, CA Home Replacement Value LESS than Home Value
Replacement Value $1,170,000 $740,000
Insurance Premium based on Replacement Value $2,925 $1,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $260,000 Risk Exposure from Under Insuring Coverage is $170,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $650/year

Example Menlo Park Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualAllstate
Monthly Premium 182225274
Year Built 196919831972
Home Details 5 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $900000-$1000000$700000-$800000More than 10000000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1955 1,250,000 Composition Roof 2,970 4 $500 Deductible 1690 7 Stone Siding yes
1963 895,000 Asphalt Shingles Roof 2,490 5 $2500-$5000 Deductible 840 5 Wood siding No
1988 1,240,000 Slate Shingles Roof 2,350 3 $500 Deductible 3400 12 Wood siding yes
1954 620,000 Slate Shingles Roof 1,710 4 $2500-$5000 Deductible 780 8 Stone Siding yes
1973 1,170,000 Slate Shingles Roof 2,510 5 $1000-$2500 Deductible 2300 12 Stucco siding yes
1962 1,390,000 Wood Shake Roof 3,120 4 $500 Deductible 430 2 Stucco siding yes
1971 730,000 Membrane Roof 1,370 2 $5000 to $10,000 Deductible 620 5 Stone Siding yes
1982 1,260,000 Slate Shingles Roof 2,750 4 > $10,000 Deductible 1540 12 Brick siding No
1974 410,000 Membrane Roof 1,020 2 $1000-$2500 Deductible 300 4 Wood siding yes
1956 860,000 Composition Roof 1,620 2 $500- $1000 Deductible 710 4 Wood siding No
1983 2,150,000 Composition Roof 4,070 5 $2500-$5000 Deductible 1700 8 Fiber-Cement Siding No
1979 1,155,000 Slate Shingles Roof 2,150 3 $2500-$5000 Deductible 1240 7 Vinyl siding No
1971 665,000 Wood Shake Roof 1,640 4 $500 Deductible 1620 10 Wood siding No
1982 1,055,000 Tile Roof 2,270 3 $2500-$5000 Deductible 1190 6 Stone Siding yes
1963 695,000 Asphalt Shingles Roof 1,920 3 $2500-$5000 Deductible 490 6 Brick siding No
1961 865,000 Membrane Roof 2,250 3 $1000-$2500 Deductible 640 3 Stone Siding No
1951 1,650,000 Tile Roof 3,330 4 $500- $1000 Deductible 950 4 Fiber-Cement Siding yes
1973 580,000 Wood Shake Roof 1,430 2 $5000 to $10,000 Deductible 430 6 Wood siding No
1987 350,000 Slate Shingles Roof 930 2 $5000 to $10,000 Deductible 240 5 Stucco siding yes
1973 525,000 Composition Roof 1,240 3 > $10,000 Deductible 260 3 Wood siding yes
1958 535,000 Wood Shake Roof 1,190 2 > $10,000 Deductible 500 8 Wood siding No
1974 1,345,000 Slate Shingles Roof 2,970 4 $500- $1000 Deductible 1310 5 Fiber-Cement Siding yes
1987 630,000 Metal Roof 1,690 2 $2500-$5000 Deductible 990 8 Brick siding No
1984 1,070,000 Asphalt Shingles Roof 2,410 4 > $10,000 Deductible 690 5 Wood siding yes
1959 1,035,000 Composition Roof 2,350 4 $5000 to $10,000 Deductible 630 4 Brick siding No
1968 1,915,000 Tile Roof 4,360 5 > $10,000 Deductible 1110 9 Wood siding yes
1982 885,000 Composition Roof 1,760 2 $500 Deductible 1720 7 Wood siding No
1981 635,000 Tile Roof 1,190 2 $5000 to $10,000 Deductible 500 7 Stucco siding yes
1975 2,240,000 Shingles Roof 4,730 5 $1000-$2500 Deductible 600 3 Fiber-Cement Siding No
1974 1,715,000 Slate Shingles Roof 3,720 5 $2500-$5000 Deductible 2060 12 Wood siding No
1973 560,000 Tile Roof 1,160 2 $1000-$2500 Deductible 650 5 Wood siding No
1967 1,075,000 Metal Roof 2,530 5 $500- $1000 Deductible 2400 9 Stucco siding yes
1988 650,000 Tile Roof 1,370 2 $5000 to $10,000 Deductible 850 9 Brick siding yes
1965 1,615,000 Membrane Roof 3,320 4 $1000-$2500 Deductible 2310 10 Stucco siding yes

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