Oakley Insurance Rates:

Oakley, CA homeowners insurance is about $514 to $697, about $42-$58/month. Our complete research reveals consumers can save upto $242 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
Allstate often uses third-party adjusters to come out to assess possible damages and make a claim. it seems like these adjusters often don't have the reputation that allstate has, and are more likely to cut corners.
Allstate
I have been with them and will continue to be. they keep me going and keep me covered and do not want to switch at this point and no reason to
Geico
We are very satisfied with all aspects of our Geico homeowner’s policy. We've found customer service to be helpful, as well as the app and website. I would recommend Geico to others for homeowners insurance.
Progressive
I haven't had to interact with anyone which is what I prefer. Progressive has a pretty good website so I just use that.
Progressive
When I call them they are always there to help. They really try to put their customers first. They are quick to come look at a claim and are in touch with you about it.
Nationwide
There hasn't been a time where I can truly say I was dissatisfied with any insurance company. Every question has been answered effectively and I haven't had a reason to file a claim with them as of now.

Oakley, CA Homeowners Insurance By Home Value

Oakley, CA Home Value Total Homes % of Total Average Oakley, CA Homeowners Insurance
Less than $50,000 457 6.0% $60
$100,000 to $124,999 134 2.0% $272
$125,000 to $149,999 372 5.0% $344
$150,000 to $174,999 672 10.0% $405
$175,000 to $199,999 955 14.0% $471
$200,000 to $249,999 1,652 24.0% $562
$250,000 to $299,999 959 14.0% $689
$300,000 to $399,999 1,361 20.0% $877

Top Home Insurance Agents Near Oakley, CA

Home Insurance Company Near Oakley, CA Homeowners Insurance Agency Near Oakley, CA Address
State Farm Jd Snead 10901 Folsom Blvd Ste A, Rncho Cordova, CA, 95670-5162
Farmers Kevin Chen 690 W Fremont Ave Ste 7, Sunnyvale, CA, 94087
Travelers Peck & Peck Insurance 1724 LAUREL ST, SAN CARLOS, CA, 94070
Allstate Timothy Carter 2717 San Pablo Ave, Berkeley, CA, 94702
State Farm Toan Tie 690 Monterey Blvd, San Francisco, CA, 94127-2347

Cost Of Homeowners Insurance By Street Near Oakley, CA

Streets in Oakley Area Homeowners Insurance Cost
Cayenne Dr, Curtis Dr, Bedford Ln, N Willow Rd, Easy St, el Lago Dr, Almond Dr, Bermuda Way, Anderson Ln, Pinenut St$608
Salvador Ln, Isleton Ct, Cherish Ct, Fig Ln, Rosewood Ct, Viera Ave, Curlew Connex, Gold Poppy Ct, Ridge Crest Ct, Westminster Ct$600
Sage Sparrow Ct, Begonia Ct, Dahlia Ct, Rhine Ct, W Home St, Meadow Wood Ln, Saratoga Pl, Deerpark Rd, Carpenter Rd, Hazelnut Ln$625
Davis Ln, Beau Ave, Carol Ln, Lassen Way, Coral Bell Way, White Oak Ct, Verbena Ct, Hibiscus Way, Walnut Grove Ct, Fuller Ct$609
Chappelet Pl, Breton Dr, Shady Oak Dr, Essex Ct, Woodhill Dr, Modoc Ct, Mallard Ct, Sandy Ln, Willow Oak Pl, Mondavi Ct$593

Oakley, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oakley$90 to $93
Knightsen$99
Bethel Island$89
East Contra Costa$92

Oakley, 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
Knightsen CDP, California $99 $132 $198
Bethel Island CDP, California $89 $119 $179
East Contra Costa CCD, Contra Costa County, California $92 $123 $185

Oakley, 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
Oakley, CA2.2%9.9%
Knightsen2.31%11.0%
Bethel Island2.86%9.79%
East Contra Costa1.93%8.58%

Oakley Renters Insurance as a Percentage of Rent

Oakley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 41 1.0% $797
$300 to $499 29 1.0% $1247
$500 to $749 193 7.0% $1922
$750 to $999 443 18.0% $2672
$1,000 to $1,499 570 23.0% $3797
$1,500 or more 1,151 47.0% $5447

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsHartford (Sentinel)639
15000025016-25 YearsChubb/Federal967
20000050016-25 YearsBankers Standard1996
20000050016-25 YearsHorace Mann601
20000050026-40 YearsPacific Specialty628
20000050041-70 YearsAmica Mutual913
25000010001-3 YearsHomesite849
25000010004-6 YearsHorace Mann599
250000100016-25 YearsCalifornia Capital505
250000100016-25 YearsOregon Mutual621
250000100016-25 YearsStillwater Prop & Cas Co758
250000100041-70 YearsGeneral Ins552
250000100041-70 YearsLiberty Ins Corp1236
250000500NewMetropolitan Direct940
2500005001-3 YearsUniversal North America401
2500005004-6 YearsKemper705
2500005007-15 YearsLiberty Ins Corp973
3000005001-3 YearsNationwide707
3000005004-6 YearsChubb/Federal1536
3000005004-6 YearsTokio Marine America347
3000005007-15 YearsFirst American Ins952

Oakley, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$5,800
Yearly Oakley Homeowner Insurance Premium Example $2,200$1,200
Out of Pocket Expense During Claim$1,800$5,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $12,800$11,800
Net Savings to Oakley Home Owner from High Deductible Plan $1,000

Oakley, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oakley, CA Home Replacement Value MORE than Home Value Oakley, CA Home Replacement Value LESS than Home Value
Replacement Value $283,500 $167,000
Insurance Premium based on Replacement Value $1,000 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,500 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $225/year

Example Oakley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceAmica Mutual Insurance Company
Monthly Premium 4010372
Year Built 198020122000
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$350000-$400000$400000-$500000
Deductible $5000 to $10,000 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 365,000 Wood Shake Roof 3,400 5 $500 Deductible 780 10 Wood siding yes
1985 350,000 Tile Roof 2,250 4 $5000 to $10,000 Deductible 550 12 Brick siding No
1987 225,000 Metal Roof 2,060 4 $1000-$2500 Deductible 610 9 Brick siding yes
2001 330,000 Metal Roof 2,840 4 $500- $1000 Deductible 570 9 Vinyl siding yes
2012 440,000 Wood Shake Roof 2,830 4 $2500-$5000 Deductible 430 5 Brick siding yes
2009 265,000 Metal Roof 2,320 5 > $10,000 Deductible 560 12 Wood siding yes
1983 585,000 Asphalt Shingles Roof 4,920 5 $1000-$2500 Deductible 460 4 Wood siding yes
1994 200,000 Shingles Roof 1,450 3 $1000-$2500 Deductible 280 8 Fiber-Cement Siding No
1985 265,000 Asphalt Shingles Roof 2,170 3 $5000 to $10,000 Deductible 120 3 Fiber-Cement Siding yes
1981 500,000 Tile Roof 3,350 4 $500 Deductible 1040 9 Stone Siding No
1994 210,000 Wood Shake Roof 1,710 3 $500 Deductible 450 8 Vinyl siding No
2006 140,000 Asphalt Shingles Roof 1,240 3 $500 Deductible 300 7 Fiber-Cement Siding yes
2011 270,000 Wood Shake Roof 2,050 4 > $10,000 Deductible 420 10 Wood siding No
2013 280,000 Asphalt Shingles Roof 2,400 4 $2500-$5000 Deductible 40 1 Vinyl siding yes
1992 205,000 Shingles Roof 1,490 3 > $10,000 Deductible 50 2 Stucco siding No
1995 170,000 Composition Roof 1,220 3 $5000 to $10,000 Deductible 70 3 Fiber-Cement Siding yes
2012 460,000 Slate Shingles Roof 3,080 4 $1000-$2500 Deductible 1070 10 Stone Siding No
1980 280,000 Wood Shake Roof 1,810 4 $5000 to $10,000 Deductible 40 1 Vinyl siding No
2010 265,000 Metal Roof 2,440 5 > $10,000 Deductible 430 8 Stucco siding No
1989 425,000 Membrane Roof 3,540 5 $500 Deductible 750 10 Stucco siding yes
1988 260,000 Asphalt Shingles Roof 2,240 3 $500- $1000 Deductible 480 7 Wood siding No
2011 340,000 Slate Shingles Roof 2,330 3 > $10,000 Deductible 500 8 Brick siding No
2014 165,000 Slate Shingles Roof 1,440 3 $1000-$2500 Deductible 270 8 Stucco siding yes
2000 225,000 Tile Roof 1,570 3 $500- $1000 Deductible 100 2 Brick siding yes
1987 170,000 Metal Roof 1,580 3 $1000-$2500 Deductible 240 8 Stone Siding yes
2000 270,000 Metal Roof 2,440 5 $500 Deductible 440 6 Wood siding No
1982 265,000 Shingles Roof 2,220 4 > $10,000 Deductible 150 4 Vinyl siding No
1995 230,000 Tile Roof 1,710 3 $2500-$5000 Deductible 80 3 Stucco siding No