San Carlos Insurance Rates:

San Carlos, CA homeowners insurance is nearly $607 to $824, about $50-$68/month. Our thorough guide indicates shoppers can save as much as $286 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I wish geico had more flexible customer service hours because sometimes i have questions regarding my membership and changes to my account
State Farm
Good rates overall, stable company, the great agent, quality service, fast response, bundle discount, state farm works well for me.
State Farm
Bundling options are nice and kind of prevents me from reaching out to other insurance companies as I would lose some discounts. Good customer service and everyone is nice.
State Farm
Overall it is helpful with basic information or grabbing quick information. However, there is not a lot that can be done when things need to go more in depth.
Travelers
I truly believe that that premium I am paying right now is one of the cheapest premiums anyone can get for the very well rounded coverage I am receiving. Nowhere else could you get the same cheap price for a good plan?

San Carlos, CA Homeowners Insurance By Home Value

San Carlos, CA Home Value Total Homes % of Total Average San Carlos, CA Homeowners Insurance
Less than $50,000 37 10.0% $14
$50,000 to $59,999 9 2.0% $35
$60,000 to $69,999 7 1.0% $50
$80,000 to $89,999 24 6.0% $64
$90,000 to $99,999 14 3.0% $71
$100,000 to $124,999 29 7.0% $78
$150,000 to $174,999 14 3.0% $121
$200,000 to $249,999 23 6.0% $171
$250,000 to $299,999 37 10.0% $207
$300,000 to $399,999 173 47.0% $264

Top Home Insurance Agents Near San Carlos, CA

Home Insurance Company Near San Carlos, CA Homeowners Insurance Agency Near San Carlos, CA Address
NA M A Hays Co Inc 232 Broadway, Richmond, CA, 94804
Allstate Bernard Mille 493 Blossom Hill Rd, San Jose, CA, 95123
Allstate Gary Pinkis 243 Main St Ste E, Pleasanton, CA, 94566
State Farm Hal Judd 820 Bay Ave Ste 105, Capitola, CA, 95010-2134
Liberty Mutual Independent S A Nichols Insurance Services 20665 SANTA MARIA AVE, CASTRO VALLEY, CA, 94546

Cost Of Homeowners Insurance By Street Near San Carlos, CA

Streets in San Carlos Area Homeowners Insurance Cost
Arroyo Ave, Marine Pkwy, Holly St, Sudan Ln, Hemlock St, Iris Ln, Adam Ct, Wingate Ave, Bing St, Cipriani Blvd$720
Lyall Way, Club Dr, Debbie Ct, Heritage Ct, Somerset Ct, Cherry St, Regent Ct, San Remo Way, Hastings Dr, Cervantes Rd$710
Dartmouth Ave, Dale Ave, Fairbanks Ave, Willow Glen Way, Montgomery St, Molton Ave, Milano Way, Kirkwood Way, Kelton Ave, Los Vientos Way$722
Neptune Dr, la Mesa Dr, Hyde Park Ave, Keel Ln, Wilshire Ct, Oak Creek Ln, Davit Ln, Bridge Ct, Davis Dr, Sherborne Dr$681
Garden Ct, Skyway Rd, Hudson Ct, Nanette Dr, Hill Way, White Oak Way, Capstan Ct, Belvedere Ave, Merry Moppet Ln, Shelford Ave$720

San Carlos, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Carlos$106 to $109
San Mateo$106
Emerald Lake Hills$109
Redwood City$103

San Carlos, 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
San Mateo CCD, San Mateo County, California $106 $141 $212
Belmont city, California $106 $141 $212
Emerald Lake Hills CDP, California $109 $145 $218

San Carlos, 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
San Carlos, CA1.6%10.3%
San Mateo1.65%9.52%
Belmont1.56%11.61%
Emerald Lake Hills1.51%7.55%

San Carlos Renters Insurance as a Percentage of Rent

San Carlos Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 33 1.0% $1863
$750 to $999 149 4.0% $2613
$1,000 to $1,499 1,296 40.0% $3738
$1,500 or more 1,669 52.0% $5388

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAmerican Reliable438
150000500NewCentury National380
150000500NewStillwater Ins Co300
200000500NewCalifornia Capital379
2500001000NewAmica Mutual521
2500001000NewEncompass488
2500001000NewKemper425
250000500NewAmerican Modern827
250000500NewSafeco431
4000001000NewHomesite890
1500002501-3 YearsUnigard Group503
1500005001-3 YearsForemost Insurance627
2000005001-3 YearsAmerican Reliable579
2000005001-3 YearsEncompass547
2000005001-3 YearsHorace Mann446
40000010001-3 YearsCSAA Ins Exch860
40000010001-3 YearsHorace Mann P & C953
40000010001-3 YearsUnigard Group894
2000005004-6 YearsLiberty Ins Corp658
2000005004-6 YearsTokio Marine America193

San Carlos, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly San Carlos Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $12,300$10,800
Net Savings to San Carlos Home Owner from High Deductible Plan $1,500

San Carlos, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Carlos, CA Home Replacement Value MORE than Home Value San Carlos, CA Home Replacement Value LESS than Home Value
Replacement Value $1,140,000 $820,000
Insurance Premium based on Replacement Value $2,975 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $180,000 Risk Exposure from Under Insuring Coverage is $140,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $475/year

Example San Carlos Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceAllstate
Monthly Premium 128191222
Year Built 195019841963
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $700000-$800000$900000-$1000000More than 10000000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1956 710,000 Asphalt Shingles Roof 1,510 5 $500 Deductible 370 2 Wood siding No
1984 400,000 Tile Roof 990 2 $2500-$5000 Deductible 470 7 Brick siding yes
1942 550,000 Tile Roof 1,300 3 $500 Deductible 90 1 Fiber-Cement Siding yes
1953 2,025,000 Slate Shingles Roof 4,570 5 $1000-$2500 Deductible 1250 7 Stone Siding No
1980 1,460,000 Composition Roof 3,190 5 $500 Deductible 720 3 Fiber-Cement Siding yes
1951 450,000 Slate Shingles Roof 1,110 2 $500- $1000 Deductible 140 2 Stone Siding No
1976 895,000 Tile Roof 1,980 3 $1000-$2500 Deductible 1010 5 Wood siding No
1978 515,000 Shingles Roof 1,270 2 $5000 to $10,000 Deductible 920 10 Stone Siding No
1966 1,020,000 Shingles Roof 2,380 4 $500 Deductible 1250 5 Stone Siding yes
1941 870,000 Asphalt Shingles Roof 2,180 3 > $10,000 Deductible 110 1 Wood siding No
1944 425,000 Membrane Roof 1,200 2 $2500-$5000 Deductible 300 3 Brick siding yes
1977 955,000 Tile Roof 2,740 5 $2500-$5000 Deductible 1530 7 Fiber-Cement Siding No
1975 730,000 Tile Roof 1,930 3 $5000 to $10,000 Deductible 1150 10 Fiber-Cement Siding yes
1956 840,000 Tile Roof 2,280 4 $1000-$2500 Deductible 910 6 Stucco siding No
1944 900,000 Asphalt Shingles Roof 2,370 4 $1000-$2500 Deductible 990 6 Vinyl siding No
1951 2,125,000 Membrane Roof 4,450 5 > $10,000 Deductible 550 4 Wood siding yes
1942 740,000 Composition Roof 2,160 3 $2500-$5000 Deductible 480 4 Stucco siding No
1975 760,000 Asphalt Shingles Roof 1,710 2 $500 Deductible 1340 7 Fiber-Cement Siding No
1959 990,000 Wood Shake Roof 2,210 4 $500 Deductible 650 3 Stucco siding No
1976 860,000 Tile Roof 2,220 3 $500 Deductible 1730 7 Vinyl siding yes
1967 825,000 Membrane Roof 1,700 2 $1000-$2500 Deductible 1100 8 Stone Siding yes
1958 1,065,000 Asphalt Shingles Roof 3,150 4 > $10,000 Deductible 1650 10 Fiber-Cement Siding yes
1951 950,000 Shingles Roof 1,890 3 $500 Deductible 850 3 Brick siding yes
1946 1,365,000 Slate Shingles Roof 3,090 4 > $10,000 Deductible 340 3 Stucco siding yes
1975 550,000 Composition Roof 1,110 2 $500- $1000 Deductible 260 2 Stone Siding No
1954 1,000,000 Metal Roof 2,150 4 $500- $1000 Deductible 760 3 Stucco siding No
1942 995,000 Shingles Roof 2,600 4 $500- $1000 Deductible 930 5 Stucco siding yes
1954 640,000 Asphalt Shingles Roof 1,310 3 $5000 to $10,000 Deductible 300 3 Wood siding No
1979 400,000 Shingles Roof 900 2 $500 Deductible 380 4 Stucco siding yes
1986 450,000 Asphalt Shingles Roof 940 2 $1000-$2500 Deductible 760 7 Vinyl siding No
1957 1,245,000 Tile Roof 3,480 5 > $10,000 Deductible 860 6 Brick siding yes