Oakland Insurance Rates:

Oakland, CA homeowners insurance is about $544 to $738, about $45-$61/month. Our exhaustive analysis reveals consumers can save upto $256 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
My insurance company was open to comparing rates, and that they are always there if i have a question, comment, or any kind of concern about my home insurance.
State Farm
I do not like the limited things that are covered by this insurance companies home insurance. they should include more.
State Farm
State farm has always been there for us when there is a damage or disaster that happened in past few years.
State Farm
I like the ease of use and ability to file claims with the company. I can pay my bills with ease. I can also connect with my agent and let him know of any problems I have.
Stillwater Insurance Group
I am covered if hell freezes over and dumps snow on my house. also, we are covered from damage by a volcanic eruption!
Farmer's Insurance
I had to contact the customer service department a few times and have never come across any issues while speaking with a live person promptly.
State Farm
I have not had a lot of problems, my agent is easy to reach. She is personable and ready to answer my questions. She puts effort into making sure that I get the best coverage for my needs.
Allstate
Overall, I like the availability of products, the helpfulness of staff both local and national. I dislike the cost and how I feel that I cannot switch because of all of the bundled products.
Farmer's Insurance
I haven't had to use customer service much. When I have, the experience has always been positive. I get answers fast and easily.
Liberty Mutual
It took 2 different claims on my roof before it actually got replaced. The first guy just did not want to pay for it even though I had 2 large patches missing that caused water damage. I had to patch them myself because they didn't pay out. I'm not a roofer. The next claim a few months later took care of everything.
Allstate
I really use my independent broker to research the best plan for me, he provides me with his research so I know I am getting the best plan for my needs.
Farmer's Insurance
I like that the company is always open to suggestions from customers. They are smaller and have a local vibe, so it doesn't feel like its some huge corporation trying to make a profit off of you. I love that feeling and I'm glad that I chose the insurance company near me that has it.
Progressive
Progressive is a great insurance company, they are affordable, considerate, and respectful of their customers. They are able to answer any questions you may have and will bend over backward to provide support.
Liberty Mutual
I am happy with the premium and the communication I receive regarding coverage and premium. Other than those areas I am trusting that they are a good company and will stand by me in the case of a claim.

Oakland, CA Homeowners Insurance By Home Value

Oakland, CA Home Value Total Homes % of Total Average Oakland, CA 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
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
State Farm Thierry Hugand 1952 Union St Ste 1, San Francisco, CA, 94123-4226

Cost Of Homeowners Insurance By Street Near Oakland, CA

Streets in Oakland Area Homeowners Insurance Cost
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

Oakland, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oakland$96 to $98
Alameda$100
Piedmont$109
San Leandro$94

Oakland, 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
Alameda city, California $100 $133 $200
Piedmont city, California $109 $145 $218
San Leandro city, California $94 $125 $188

Oakland, 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
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 Homeowners 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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsMAPFRE Group522
2000005004-6 YearsCentury National592
2000005007-15 YearsAmerican Modern750
2000005007-15 YearsHartford (Sentinel)585
2000005007-15 YearsPacific Specialty527
20000050016-25 YearsAmica Mutual822
20000050016-25 YearsGrange832
20000050016-25 YearsPacific Specialty637
20000050041-70 YearsHartford (Sentinel)711
2500001000NewCalifornia Capital353
2500001000NewHartford (Sentinel)446
25000010001-3 YearsQBE (Balboa)524
25000010004-6 YearsMetropolitan Direct1119
250000100016-25 YearsGrange930
250000100026-40 YearsTokio Marine America332
250000100026-40 YearsUnigard Group686
250000500NewWestern Mutual/Residence494
2500005001-3 YearsEncompass677
2500005001-3 YearsStillwater Ins Co521

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

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
1961 420,000 Composition Roof 1,730 3 $500 Deductible 870 10 Fiber-Cement Siding yes
1947 500,000 Wood Shake Roof 2,320 4 $500- $1000 Deductible 850 7 Stucco siding yes
1968 830,000 Slate Shingles Roof 3,280 4 > $10,000 Deductible 570 6 Brick siding No
1978 230,000 Tile Roof 1,070 2 $500- $1000 Deductible 170 4 Stucco siding yes
1972 440,000 Wood Shake Roof 2,030 3 $5000 to $10,000 Deductible 240 3 Wood siding yes
1947 210,000 Slate Shingles Roof 920 2 > $10,000 Deductible 50 2 Vinyl siding yes
1969 340,000 Composition Roof 1,280 2 $5000 to $10,000 Deductible 360 8 Stone Siding No
1950 275,000 Asphalt Shingles Roof 1,420 3 > $10,000 Deductible 70 2 Wood siding No
1945 315,000 Tile Roof 1,280 3 $500 Deductible 150 2 Fiber-Cement Siding No
1945 200,000 Asphalt Shingles Roof 910 2 $500- $1000 Deductible 410 9 Stone Siding No
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