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.
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 |
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 |
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 |
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 |
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 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Oakland, CA | 2.1% | 9.5% |
Alameda | 1.87% | 9.77% |
Piedmont | 1.51% | 6.05% |
San Leandro | 2.23% | 12.33% |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Oakland | $96 to $98 |
Alameda | $100 |
Piedmont | $109 |
San Leandro | $94 |
Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
---|---|---|---|---|
150000 | 250 | 7-15 Years | MAPFRE Group | 522 |
200000 | 500 | 4-6 Years | Century National | 592 |
200000 | 500 | 7-15 Years | American Modern | 750 |
200000 | 500 | 7-15 Years | Hartford (Sentinel) | 585 |
200000 | 500 | 7-15 Years | Pacific Specialty | 527 |
200000 | 500 | 16-25 Years | Amica Mutual | 822 |
200000 | 500 | 16-25 Years | Grange | 832 |
200000 | 500 | 16-25 Years | Pacific Specialty | 637 |
200000 | 500 | 41-70 Years | Hartford (Sentinel) | 711 |
250000 | 1000 | New | California Capital | 353 |
250000 | 1000 | New | Hartford (Sentinel) | 446 |
250000 | 1000 | 1-3 Years | QBE (Balboa) | 524 |
250000 | 1000 | 4-6 Years | Metropolitan Direct | 1119 |
250000 | 1000 | 16-25 Years | Grange | 930 |
250000 | 1000 | 26-40 Years | Tokio Marine America | 332 |
250000 | 1000 | 26-40 Years | Unigard Group | 686 |
250000 | 500 | New | Western Mutual/Residence | 494 |
250000 | 500 | 1-3 Years | Encompass | 677 |
250000 | 500 | 1-3 Years | Stillwater Ins Co | 521 |
Low Deductible | High 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 |
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 |
Insurance Company | Allstate | GEICO Insurance | Liberty Mutual |
Monthly Premium | 38 | 123 | 99 |
Year Built | 1951 | 1967 | 1943 |
Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 3 Baths |
Coverage Amount | $200000-$250000 | $500000-$600000 | $400000-$500000 |
Deductible | $1000-$2500 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |