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Oakland, CA Home Values & Insurance Rates

Oakland, CA Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,033 3.0% $32
$80,000 to $89,999 297 1.0% $115
$90,000 to $99,999 488 1.0% $128
$100,000 to $124,999 1,487 5.0% $147
$125,000 to $149,999 1,415 4.0% $185
$150,000 to $174,999 2,193 7.0% $224
$175,000 to $199,999 1,222 4.0% $256
$200,000 to $249,999 4,636 15.0% $307
$250,000 to $299,999 4,863 16.0% $378
$300,000 to $399,999 10,945 37.0% $480

Top Home Insurance Agents Near Oakland, CA

Home Insurance Company Near Oakland, CA Homeowners Insurance Agency Near Oakland, CA Address
State Farm Thierry Hugand 1952 Union St Ste 1, San Francisco, CA, 94123-4226
Liberty Mutual Independent Brennan & Associates 2200 POWELL ST STE 1080, EMERYVILLE, CA, 94608
State Farm James Foster Jr 2819 Crow Canyon Rd Ste 102, San Ramon, CA, 94583-1656
State Farm Jerry Olive 1530 Webster St Ste A, Fairfield, CA, 94533-4994
Allstate Robert Varich 1125 Saratoga Ave, San Jose, CA, 95129

Estimated Home Insurance By Street Area Near Oakland, CA

Oakland Area Estimated House Insurance
Lee St, Somerset Rd, W Macarthur, Manor Dr, Morrill Ct, Blenheim St, Earhart Rd, Shaw St, Booker St, Clifton St$605
Salem St, Cairo Rd, Lexford Rd, 34th Ave, Apgar St, Fruitvale, Fontaine St, Berneves Ct, Longridge Rd, Oval Rd$623
Overlake Ct, 72nd Ave, Star Ct, Mead Ave, Casa Ct, Frisbie St, Edge Dr, Ferro St, Seminary Ct, Ashton Ave$611
Park View Ave, Bacon Rd, Marin Way, Morken St, Middle Harbor Rd, Gravatt Dr, Rossmoor Ct, Stockbridge Dr, Norwood Ave, Simmons St$None
Shattuck, Havenscourt Blvd, Saroni Dr, Webster Pl, Sterling Dr, Madeline St, Royal St, Liggett Dr, Peroly Ct, Huntington St$610
Everett Ave, Emerson Way, 83rd Ave, Miles Ave, Old Tunnel Rd, Maybelle Ave, 96th Ave, Normandie Ave, Larkspur Rd, Girvin Dr$691
Emery St, Tunnel Rd, Chatham Rd, 48th Ave, Dimond Ave, Thousand Oaks, Sunset Ave, Camelford Ct, Sequoyah View Dr, Gouldin Rd$646
Champion St, Calmar Ave, Chadbourne Way, S Coliseum Way, Montana St, Stella St, Harbord Dr, 33rd Ave, Ghormley Ave, Maddux Dr$594
Morrell Ln, 93rd Ave, Golden Gate Ave, Wesley Ave, Highland Ave, Moore Dr, Portwood Ave, Woodcrest Cir, Larry Ln, Forestland Way$688
Valley View Rd, 85th, Hamline Ave, Besito Ave, Pearmain St, Stanford, Westwood Way, Crescent St, Belvedere St, Reinhardt Dr$694

Savings on home insurance for senior occupied homes

PlaceSavings
Oakland$96 to $98
Alameda$100
Piedmont$109
San Leandro$94

Oakland, CA 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
Oakland, CA2.1%9.5%
Alameda1.87%9.77%
Piedmont1.51%6.05%
San Leandro2.23%12.33%

Oakland Renters Insurance as a Percentage of Rent

Oakland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,254 1.0% $328
$200 to $299 4,566 4.0% $778
$300 to $499 4,797 5.0% $1228
$500 to $749 8,427 9.0% $1903
$750 to $999 20,023 21.0% $2653
$1,000 to $1,499 32,326 34.0% $3778
$1,500 or more 21,195 22.0% $5428

Oakland, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94610 $678,200 $690
94602 $550,900 $670
94609 $473,900 $650
94619 $463,300 $660
94605 $382,800 $630
94612 $370,800 $630
94607 $352,200 $630
94606 $349,500 $630
94601 $292,500 $620
94621 $241,400 $610
94603 $237,100 $610

Oakland, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Oakland Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,600$8,100
Net Savings to Oakland Home Owner from High Deductible Plan $1,500

Oakland, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oakland, CA Home Replacement Value MORE than Home Value Oakland, CA Home Replacement Value LESS than Home Value
Replacement Value $255,500 $163,500
Insurance Premium based on Replacement Value $625 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $66,500 Risk Exposure from Under Insuring Coverage is $25,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

Example Oakland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceLiberty Mutual
Monthly Premium 3812399
Year Built 195119671943
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $200000-$250000$500000-$600000$400000-$500000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Oakland, CA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Alameda city, California $100 $133 $200
Piedmont city, California $109 $145 $218
San Leandro city, California $94 $125 $188

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1958 615,000 Composition Roof 2,840 4 $1000-$2500 Deductible 150 1 Brick siding yes
1960 405,000 Tile Roof 1,730 3 $500- $1000 Deductible 900 7 Brick siding yes
1979 355,000 Wood Shake Roof 1,860 4 $2500-$5000 Deductible 660 10 Stucco siding yes
1973 410,000 Asphalt Shingles Roof 2,240 3 $1000-$2500 Deductible 240 4 Fiber-Cement Siding No
1974 810,000 Wood Shake Roof 3,170 4 $1000-$2500 Deductible 280 2 Brick siding No
1971 400,000 Asphalt Shingles Roof 1,530 3 $5000 to $10,000 Deductible 400 6 Wood siding yes
1977 585,000 Wood Shake Roof 2,200 3 $500 Deductible 1600 9 Vinyl siding yes
1966 415,000 Composition Roof 1,810 4 $2500-$5000 Deductible 810 9 Wood siding yes
1947 570,000 Tile Roof 1,339 3 $2500-$5000 Deductible 1830 9 Brick siding No