Palo Alto Insurance Rates:

Palo Alto, CA homeowners insurance is about $618 to $835, about $51-$69/month. Our comprehensive guide reveals consumers can save upto $290 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
My insurance company is absolutely great. the total price we pay for my car insurance is the best price we have ever paid for collision and liability.
State Farm
State farm is so greedy!!! they charge me a ridiculous amount of money for the coverage they offer. i have never been involved in an accident.
State Farm
I don't like about my insurance company is that they will cancel the policy if their customer has too many claims.
Mercury
The only part of the company I dislike is the automotive part and that has to do with the auto rates continually increasing. The homeowner part I have completely satisfied.
State Farm
My friend is my agent, so I am able to contact him basically whenever and wherever I want to discuss any problems I may have. It's much better than some ridiculous call service like other companies have.
Allstate
I think that the app of the company is very much fast and good. The interface of the app is very much good.
Allstate
Our agent goes over everything in detail with us, generally in person. We have a review of our policies with her on a frequent basis (every 6 months).

Palo Alto, CA Homeowners Insurance By Home Value

Palo Alto, CA Home Value Total Homes % of Total Average Palo Alto, CA Homeowners Insurance
Less than $50,000 112 14.0% $14
$60,000 to $69,999 36 4.0% $43
$80,000 to $89,999 10 1.0% $58
$90,000 to $99,999 31 4.0% $65
$100,000 to $124,999 98 12.0% $72
$125,000 to $149,999 43 5.0% $94
$150,000 to $174,999 29 3.0% $116
$200,000 to $249,999 89 11.0% $159
$250,000 to $299,999 42 5.0% $196
$300,000 to $399,999 282 36.0% $247

Top Home Insurance Agents Near Palo Alto, CA

Home Insurance Company Near Palo Alto, CA Homeowners Insurance Agency Near Palo Alto, CA Address
Farmers Emilio Salas 1250 45th St Ste 200, Emeryville, CA, 94608
State Farm Jill Cash 2809 Telegraph Ave, Berkeley, CA, 94705-1166
Farmers Michael Thomas 3233 Valencia Ave Ste B2, Aptos, CA, 95003
Allstate Ronald A Yerian 4600 S Tracy Blvd Ste 118, Tracy, CA, 95377
Farmers Vikram Makol 5450 Thornwood Dr Ste L, San Jose, CA, 95123

Palo Alto, 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
Los Altos Hills town, California $109 $145 $218
Stanford CDP, California $109 $145 $218
Ladera CDP, California $109 $145 $218

Palo Alto, 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
Palo Alto, CA1.5%8.2%
Los Altos Hills1.51%6.05%
Stanford1.69%6.3%
Los Altos1.51%6.96%

Palo Alto Renters Insurance as a Percentage of Rent

Palo Alto Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 278 2.0% $731
$300 to $499 375 3.0% $1181
$500 to $749 276 2.0% $1856
$750 to $999 444 4.0% $2606
$1,000 to $1,499 2,060 19.0% $3731
$1,500 or more 7,289 67.0% $5381

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewEncompass456
2500001000NewFarmers (Fire Ins)587
250000500NewAmerican Security570
5000001000NewCSAA Ins Exch979
5000001000NewStillwater Prop & Cas Co642
5000002500NewCSAA Ins Exch884
7500002500NewIDS Property Casualty890
1500005001-3 YearsCentury National426
2000005001-3 YearsWestern Mutual/Residence491
25000010001-3 YearsHartford (Sentinel)449
25000010001-3 YearsHomesite674
2500005001-3 YearsUnigard Group685
50000010001-3 YearsEncompass1097
2000005004-6 YearsChubb/Federal1133
2500005004-6 YearsBankers Standard2058
2500005004-6 YearsPacific Specialty484
2500005004-6 YearsPrivilege Underwriters Exch1419
3000005004-6 YearsOregon Mutual704
3000005004-6 YearsWawanesa460
50000010004-6 YearsFarmers (Fire Ins)1207
1500002507-15 YearsHartford (Sentinel)494
1500002507-15 YearsMetropolitan Direct894
1500005007-15 YearsCSE Safeguard434
2000005007-15 YearsStillwater Ins Co513

Palo Alto, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$5,800
Yearly Palo Alto Homeowner Insurance Premium Example $2,500$1,700
Out of Pocket Expense During Claim$1,800$5,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $19,300$17,700
Net Savings to Palo Alto Home Owner from High Deductible Plan $1,600

Palo Alto, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Palo Alto, CA Home Replacement Value MORE than Home Value Palo Alto, CA Home Replacement Value LESS than Home Value
Replacement Value $1,230,000 $860,000
Insurance Premium based on Replacement Value $3,825 $2,675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $140,000 Risk Exposure from Under Insuring Coverage is $230,000
Premium Impact Insurance cheaper by $725/year Insurance costlier by $425/year

Example Palo Alto Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceState FarmAllstate
Monthly Premium 150118121
Year Built 196019731988
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $700000-$800000$700000-$800000$900000-$1000000
Deductible $500 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 640,000 Metal Roof 1,280 3 > $10,000 Deductible 520 7 Brick siding No
1946 885,000 Asphalt Shingles Roof 1,990 3 $500 Deductible 900 4 Stone Siding No
1985 900,000 Tile Roof 1,910 4 > $10,000 Deductible 430 4 Stucco siding yes
2014 1,330,000 Shingles Roof 3,280 4 $5000 to $10,000 Deductible 2140 12 Vinyl siding yes
1976 1,070,000 Composition Roof 2,650 4 $5000 to $10,000 Deductible 1430 10 Stone Siding No
1984 855,000 Shingles Roof 1,770 4 $500 Deductible 2850 10 Stone Siding No
1950 1,680,000 Wood Shake Roof 4,120 5 $2500-$5000 Deductible 2300 12 Vinyl siding No
1943 740,000 Shingles Roof 1,500 2 $500- $1000 Deductible 1130 10 Wood siding No
1954 845,000 Asphalt Shingles Roof 1,930 4 $5000 to $10,000 Deductible 860 5 Fiber-Cement Siding No
2012 795,000 Composition Roof 1,640 2 $500- $1000 Deductible 2640 12 Vinyl siding yes
1976 705,000 Tile Roof 1,560 2 $1000-$2500 Deductible 340 2 Fiber-Cement Siding yes
1943 950,000 Tile Roof 1,760 3 $1000-$2500 Deductible 1000 5 Stucco siding yes
2012 1,725,000 Metal Roof 3,250 4 $500 Deductible 700 3 Wood siding No
1981 2,135,000 Asphalt Shingles Roof 4,590 5 > $10,000 Deductible 910 6 Stone Siding No
1962 660,000 Metal Roof 1,230 3 $500- $1000 Deductible 1250 7 Wood siding yes
2012 680,000 Composition Roof 1,540 2 $500 Deductible 1680 9 Fiber-Cement Siding No
1946 590,000 Wood Shake Roof 1,440 3 $2500-$5000 Deductible 900 10 Stone Siding No
1950 840,000 Shingles Roof 1,810 4 $5000 to $10,000 Deductible 1200 10 Wood siding No
1964 805,000 Slate Shingles Roof 1,800 5 > $10,000 Deductible 720 8 Wood siding yes
1989 775,000 Asphalt Shingles Roof 1,550 2 > $10,000 Deductible 520 5 Stucco siding No
1973 750,000 Membrane Roof 1,470 2 $2500-$5000 Deductible 290 3 Stucco siding yes
1945 920,000 Asphalt Shingles Roof 1,720 3 $500 Deductible 1060 5 Wood siding No
1975 885,000 Shingles Roof 1,980 3 $2500-$5000 Deductible 190 1 Stucco siding yes
1964 865,000 Slate Shingles Roof 1,750 2 $500 Deductible 1500 8 Fiber-Cement Siding No
1969 1,030,000 Slate Shingles Roof 1,990 3 $500- $1000 Deductible 1360 6 Stone Siding No