Richmond Insurance Rates:

Richmond, CA homeowners insurance is roughly $522 to $709, about $43-$59/month. Our detailed analysis indicates shoppers can save upto $246 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend All-State based on my experience with the company. When I was sued they provided an intelligent and professional lawyer who defended me in the case.
State Farm
I would recommend this company to people because even the customer service for my car insurance is lower. I make my payment at a local cause they put my payment through fast.
Company is very professional and responsive to all my questions and concerns. Travelers also has very flexible payment plans and provide fair and affordable pricing for home insurance.
I would recommend it if you are in a bind and need insurance and can't really afford much. They are pretty cheap.
the cost is very reasonable and i am able to increase the limits as needed if i want a higher deductible.
State Farm
I would have to give this insurance agency of five. My insurance agent is almost like family to me I've been with him for 20 years. All my questions are answered and he gets me the best rates possible. I'm extremely pleased with my insurance.
As far I know the home insurance offerings is the same as what other companies offer. But I admit I have not shopped around for insurance that much.
Liberty Mutual
They were very quick with the review when there was an issue at our home. we were able to receive a check to cover the damage within 2 weeks.
State Farm
I do not understand how all the rates and all that stuff actually work so they could be royally screwing me over and i would maintain ignorance.
Fremont Home Insurance
That is fairly generous. especially if anything happens they will put us in a rental and take care of everything. they have a guarantee.
State Farm
The site is very basic. I don't like that it isn't modern and is sometimes hard to navigate. It needs to be rebuild. Documents are hard to find. It could be better.
State Farm
The company is well established and has treated me well. I know they will not disappear when I need them. Their rates could be lower, and they have the size to do it. I will continue to do business with them.
I have been with Travelers for so many years and have so many various discounts with them that I haven't even shopped around recently.
State Farm
They have always been charming and helpful and have good rates and seem to be nice people when they worked with me over the many years.
I don't have much to say about this department because I have really never interacted with them to a large extent. However, when I bought the policy they were very informative.
They have terrible customer service and their website/apps are low quality. I don't understand my policy well either.
State Farm
The family atmosphere the agent has created and their customized care the agent and his staff provides are very uncommon in this day and age.
I have really been with about 5 different companies and Allstate so far has been the very best one so I praise the heck out of them
State Farm
I don't like that rates go up significantly if you don't bundle home and car insurance together on your policy.
I would not recommend this company. It has been very difficult to get an adjustor to my home within a reasonable about of time when we have had issues. The adjustors have been very difficult to work with and have not returned calls or emails within a timely manner. The deductible is also higher than I would like to pay.
They have been fine so far. I haven't had any issues with them so far.
The insurance company to which I am subscribed is an effective and efficient company with good service and a fair price for the value obtained. I have no complaints.
State Farm
I think, for the most part, they have been good to work with. Not had many issues - other than the cost constantly increasing - but I guess that is insurance in general
Farmer's Insurance
The company seems to be good, but the agent who represented Farmer's Mutual was, and still is, outstanding. While the price seems a little steep, I still auto-deduct it every month from my checking account.
yes this companies are recommanded at those can be about at these about at they can be allocated to other companies.

Richmond, CA Homeowners Insurance By Home Value

Richmond, CA Home Value Total Homes % of Total Average Richmond, CA Homeowners Insurance
Less than $50,000 486 3.0% $49
$70,000 to $79,999 260 2.0% $147
$80,000 to $89,999 170 1.0% $172
$90,000 to $99,999 132 1.0% $190
$100,000 to $124,999 930 7.0% $221
$125,000 to $149,999 673 5.0% $277
$150,000 to $174,999 1,314 10.0% $326
$175,000 to $199,999 909 7.0% $375
$200,000 to $249,999 1,902 14.0% $455
$250,000 to $299,999 1,956 15.0% $554
$300,000 to $399,999 3,927 30.0% $708

Top Home Insurance Agents Near Richmond, CA

Home Insurance Company Near Richmond, CA Homeowners Insurance Agency Near Richmond, CA Address
NA Kempkey Insurance Services Inc 1500 Third St, Ste B, Napa, CA, 94559
State Farm Burch Boehner 201 E Taylor St Ste 2, San Jose, CA, 95112-5036
State Farm Fillia Fransisca 2315 Noriega Street, San Francisco, CA, 94122-4239
Travelers First Avenue Insurance Services 24479 MISSION BLVD, HAYWARD, CA, 94544
Liberty Mutual Lampai Lp Vongmany 2580 North First Street Suite 290, San Jose, CA, 95131

Richmond, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Richmond, CA

Streets in Richmond Area Homeowners Insurance Cost
Wall Ave, Mc Laughlin St, S 9th St, Knob Cone Dr, Santa Paula Ct, Lighthouse Ct, Alhambra Valley Rd, Mirante Ct, Coach Dr, Doremus Ave$619
St Andrews Dr, Via Verdi, Club Ct, N Rancho Ct, Skypark Pl, Washington Ave, Jana Vista Rd, Poinsett Ave, Wright Ave, Lexington Ave$615
Argyle Rd, Simoni Ct, Marina Lakes Dr, Carlfield Ave, Cardiff Ct, Cliff Ln, Erin Ct, Monterey Ave, Leisure Ln, Martin Luther King Jr Ave$621
S Ridge Dr, Escuela Ct, S 37th St, Oxford Ave, Madison Ave, Posey Ave, Big Bear Ct, Lambert Rd, Peerless Ave, N Verde Ave$602
Gately Ave, Garden Rd, Stony Ct, Gordon Ct, Wine St, Stephen Dr, Whippoorwill Ct, Fern Meadow Ct, John Muir Pkwy, Sorrento Ct$616
Clearfield Ave, del Camino Dr, Roland Ct, Linda Dr, 28th St, 29th St, Sheryl Dr, Creely Ave, Grand Canyon Ave, Parkway Dr$617
Hillside Ct, San Antonio St, Chabre Ct, Fresno Ave, Desert Dr, Regents Ct, S 47th St, Creekside Oaks, Overend Ave, Moyers Rd$655
Canal Blvd, S 35th St, Orion Ct, Barnard St, Glenwood Ct, Gatto St, Crest Ave, 35th St, 32nd St, Salesian Ave$601
Tidewater Dr, Moyers Dr, Alvarado Pl, Ventura St, Elm Ave, S 55th St, Echo Hawk Ct, Flamingo Ct, Ray Ave, Selmi Grove Ln$663
Eaglewood Ct, Ash Ln, Fieldstone Dr Dr, Bowhill Ln, Rancho de Maria, Henry Clark Ln, S 34th St, O Rourke Dr, Marquette Ct, Mozart Dr$613

Richmond, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Richmond$92 to $94
North Richmond$89
San Pablo$90
East Richmond Heights$94

Richmond, 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
North Richmond CDP, California $75 $99 $149
San Pablo city, California $75 $100 $150
Rollingwood CDP, California $75 $100 $150

Richmond, 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
Richmond, CA2.4%11.9%
North Richmond2.24%11.09%
San Pablo2.62%12.11%

Richmond Renters Insurance as a Percentage of Rent

Richmond Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 229 1.0% $341
$200 to $299 660 3.0% $791
$300 to $499 896 5.0% $1241
$500 to $749 1,020 5.0% $1916
$750 to $999 3,019 17.0% $2666
$1,000 to $1,499 6,861 39.0% $3791
$1,500 or more 4,474 26.0% $5441

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002504-6 YearsUniversal North America454
15000025016-25 YearsLiberty Ins Corp890
15000050016-25 YearsBankers Standard2138
15000050026-40 YearsCentury National853
15000050041-70 YearsEncompass1179
200000500NewCentury National726
2000005001-3 YearsPacific Specialty467
20000050016-25 YearsAmica Mutual800
20000050016-25 YearsHorace Mann P & C1252
20000050041-70 YearsOregon Mutual1103
25000010007-15 YearsState Farm823
250000100026-40 YearsGrange711
250000100041-70 YearsForemost Insurance1159
2500005007-15 YearsIntegon/National1584
25000050016-25 YearsCSAA Ins Exch1572
3000005007-15 YearsBankers Standard2419
30000050016-25 YearsFirst American Ins1282

Richmond, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Richmond Homeowner Insurance Premium Example $1,000$500
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $5,800$5,300
Net Savings to Richmond Home Owner from High Deductible Plan $500

Richmond, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Richmond, CA Home Replacement Value MORE than Home Value Richmond, CA Home Replacement Value LESS than Home Value
Replacement Value $359,500 $235,500
Insurance Premium based on Replacement Value $1,000 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $66,500 Risk Exposure from Under Insuring Coverage is $57,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $200/year

Example Richmond Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceState Farm
Monthly Premium 534951
Year Built 194919721954
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $300000-$350000$250000-$300000$200000-$250000
Deductible > $10,000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 435,000 Tile Roof 2,380 4 $500 Deductible 900 12 Wood siding yes
1970 180,000 Shingles Roof 1,030 2 $2500-$5000 Deductible 110 4 Vinyl siding yes
2014 265,000 Shingles Roof 1,840 3 $1000-$2500 Deductible 330 7 Wood siding No
1946 230,000 Tile Roof 1,500 2 $2500-$5000 Deductible 140 5 Stucco siding No
1959 325,000 Wood Shake Roof 2,520 4 $500 Deductible 720 7 Stone Siding yes
1970 225,000 Composition Roof 1,790 5 $500 Deductible 650 12 Vinyl siding yes
1962 200,000 Composition Roof 1,070 2 $500- $1000 Deductible 390 9 Brick siding No
1997 335,000 Composition Roof 2,080 4 $2500-$5000 Deductible 250 6 Brick siding yes
1997 240,000 Shingles Roof 1,680 2 $2500-$5000 Deductible 370 9 Stucco siding No
1995 225,000 Composition Roof 1,520 3 $500 Deductible 50 1 Stone Siding yes
1997 350,000 Shingles Roof 2,310 4 $1000-$2500 Deductible 570 8 Vinyl siding No
1957 225,000 Tile Roof 1,480 2 $2500-$5000 Deductible 340 8 Stone Siding No
2012 270,000 Composition Roof 1,850 3 $5000 to $10,000 Deductible 220 5 Wood siding yes
1960 200,000 Wood Shake Roof 1,370 3 > $10,000 Deductible 20 1 Fiber-Cement Siding No
1991 520,000 Metal Roof 3,260 5 $500- $1000 Deductible 1510 12 Brick siding No
1952 560,000 Shingles Roof 3,240 4 $5000 to $10,000 Deductible 290 3 Stone Siding No
1961 465,000 Composition Roof 3,080 5 $5000 to $10,000 Deductible 160 2 Brick siding yes
1947 180,000 Asphalt Shingles Roof 1,340 2 $2500-$5000 Deductible 160 4 Fiber-Cement Siding No
2010 600,000 Tile Roof 3,730 5 $500 Deductible 560 4 Brick siding yes
1940 340,000 Asphalt Shingles Roof 2,730 4 $500- $1000 Deductible 90 1 Brick siding yes
2012 720,000 Composition Roof 4,400 5 $5000 to $10,000 Deductible 1330 12 Fiber-Cement Siding No
2010 490,000 Slate Shingles Roof 3,360 4 $500 Deductible 110 1 Fiber-Cement Siding No
2012 260,000 Shingles Roof 1,600 3 $5000 to $10,000 Deductible 130 4 Brick siding yes
2010 225,000 Slate Shingles Roof 1,500 3 $1000-$2500 Deductible 230 6 Wood siding yes
2010 585,000 Tile Roof 3,820 5 $1000-$2500 Deductible 1190 8 Wood siding No
1971 515,000 Asphalt Shingles Roof 3,850 5 $5000 to $10,000 Deductible 760 9 Brick siding yes
2013 205,000 Wood Shake Roof 1,590 3 $1000-$2500 Deductible 70 2 Vinyl siding yes
1994 400,000 Tile Roof 2,590 4 > $10,000 Deductible 290 6 Brick siding No
1998 155,000 Composition Roof 1,190 2 $1000-$2500 Deductible 180 8 Wood siding No
1986 185,000 Composition Roof 625 1 $2500-$5000 Deductible 500 12 Vinyl siding No

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