Oakland Insurance Rates:

Oakland ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Oakland, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Oakland, CA is $1419. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Oakland, CA: Customer-Reviewed Options


Oakland, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Oakland, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Oakland, CA.

Coverage Level Average Annual Premium
$100,000 $568
$200,000 $965
$300,000 $1,192
$400,000 $1,816
$500,000 $2,285


Oakland, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Oakland can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
094610 $1,425
94602 $1,378
94609 $1,382
94619 $1,349
94605 $1,327
94612 $1,362
94607 $1,315
94606 $1,316
94601 $1,302
94621 $1,271
94603 $1,271


Oakland, CA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Oakland, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,455
$1000 Deductible $1,301
$1500 Deductible $1,227
$2500 Deductible $1,107
$5000 Deductible $937



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

Oakland, CA Home Insurance Agents for Top Companies


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%
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

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
San Leandro$94

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
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