San Jose Insurance Rates:

San Jose, CA homeowners insurance is nearly $572 to $773, about $47-$64/month. Our all inclusive guide indicates shoppers can save as much as $268 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find Affordable Homeowners Insurance in San Jose, CA

With approximately 16,66,871 residents, San Jose is one of the most expensive markets in the U.S but still an excellent place to call home. On average, homeowners insurance in San Jose, CA, costs around $2252. The best way to afford a homeowners insurance policy in San Jose is to get quotes from as many insurance companies as possible.

But first of all, do you have homeowners insurance? Well, home insurance is an integral part of owning a home. It will be your contingency plan if any unwanted situation like theft, vandalism, or fire occurs. The cost of insurance is decided after scrutinizing certain factors, including the age of the home, materials used to construct your home, deductibles and coverage type, claim history, and security features.

VHome, through its research, has explored these factors in detail.

a. Cost of Insurance based on the deductibles

A deductible is a policyholder's money towards an insured loss. For instance, if a wind storm causes structural damage to your home, the homeowner policy will cover your repair cost minus your deductible.

Homeowners in San Jose typically choose to pay a deductible of 1500 and 2000, where the premium charged is $1895 and $1721, respectively. Homeowners who choose to pay a low deductible have to pay a higher premium. For instance, homeowners who opted for a deductible of 500 pay $2225 towards their insurance in San Jose.


b. Cost of Insurance based on the materials used

Materials used to build your home play a crucial role in determining the cost of insurance. For instance, homes constructed with hail-resistant roofs pay $2185, whereas homes built with damage-resistant materials like Masonry and Brick pay $2140 in San Jose.

c. Cost of Insurance based on the age of the home

To determine the cost of insurance, the age of the home is a matter of concern. On average, the older your home, the more premium you pay. This is because as homes age, so do the materials used to build your home. For instance, homes older than 40 and 50 years pay $2311 and 2338, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in San Jose can avail of lower insurance of $1689.

San Jose, CA, Insurance Companies With The Cheapest Homeowners Insurance

In San Jose, CA, the cost of homeowners insurance is $786 per annum on average. This translates to about $47 to $64 per month. Vhome’s extended data analysis reveals that San Jose homeowners can save up to $268 by comparing quotes and choosing the cheapest home insurance company according to their needs.

State Farm

Homeowners using State Farm, pay an insurance rate of $4,410 on a policy coverage of $400,000-$500,000, provided, they choose to pay a deductible rate of $2000. State Farm offers discounts based on factors such as (but not limited to) the age of the home, home security, and claims history, all of which make it one of the cheapest home insurance providers in San Jose.


For a house built in 1989, Allstate quoted an insurance rate of $2,532 on a policy coverage of $10,000,000, for a deductible rate of $1,000-$2,500. For homes located close to police departments and fire stations, the home insurance company lowers the insurance costs by as much as $55.

Horace Mann

Horace Mann quoted an insurance rate of $6,720 annually for a home built in 1991 on a policy coverage of $800,000-$900,000. Homeowners can reduce their insurance costs by paying a high deductible rate. Horace Mann provides discounts to homeowners who take multiple insurance policies with them.

Amica Mutual

Vhome’s analysis reveals that Amica Mutual charges $100 in home insurance rates for a deductible rate of $1,500 on a policy coverage ranging between $500,000 to $600,000. Amica Mutual provides discounts up to 15% on home insurance rates, provided, homeowners bundle their home insurance policy with auto insurance policy.

Allied Insurance

Allied Insurance is represented by its regional agents who work closely with homeowners to create a home insurance policy to cover homeowners’ needs at the cheapest insurance rates. Vhome’s analysis reveals that Allied Insurance charges $1,900 in insurance rates on a policy coverage of $500,000-$600,000.


San Jose, CA Homeowners Insurance By Home Value

San Jose, CA Home Value Total Homes % of Total Average San Jose, CA Homeowners Insurance
Less than $50,000 6,300 10.0% $20
$50,000 to $59,999 1,948 3.0% $47
$60,000 to $69,999 1,523 2.0% $60
$70,000 to $79,999 1,673 2.0% $73
$80,000 to $89,999 1,704 2.0% $80
$90,000 to $99,999 1,347 2.0% $94
$100,000 to $124,999 2,420 3.0% $107
$125,000 to $149,999 1,805 2.0% $134
$150,000 to $174,999 2,524 4.0% $161
$175,000 to $199,999 2,205 3.0% $188
$200,000 to $249,999 6,036 9.0% $228
$250,000 to $299,999 7,744 12.0% $275
$300,000 to $399,999 25,668 40.0% $356

Top Home Insurance Agents Near San Jose, CA

Home Insurance Company Near San Jose, CA Homeowners Insurance Agency Near San Jose, CA Address
State Farm Cathy Gran Cpcu 1225 Solano Avenue, Albany, CA, 94706
State Farm Holly Labarber 2190 S Bascom Ave, Campbell, CA, 95008-3206
State Farm Laureen Yungmeyer 718 Water Street, Santa Cruz, CA, 95060-4117
Allstate Melvin Bell 3840 Railroad Ave, Pittsburg, CA, 94565
State Farm Mike Soutas 14120 Blossom Hill Rd, Los Gatos, CA, 95032-5118

San Jose, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near San Jose, CA

Streets in San Jose Area Homeowners Insurance Cost
Garrett Ct, Warrington Ave, Campus Dr E, Essex Ave, Monarch Ln, Puritani Way, Bello Ave, Claremont Ave, Masonwood St, Kenbrook Cir$611
Wakefield Ter, Vista Creek Dr, Marlyn Way, Ljepava Dr, Kenyon Ct, Sandpebble Dr, Merz Ct, Irlanda Way, Friar Way, Big Sur Dr$581
N 19th St, Sapa Ct, Kennedy Ct, Pamlar Ave, Chagall St, Rebecca Way, Ln B E, San Ramon Ave, Encanto Way, Garden Manor Ct$646
Transport St, Napoli Loop, Autrey St, Hicks Rd, Adelong Way, Walter Hays Dr, Jasmine Cir, Gerald Zapelli Ct, Arroyo Dr, Live Oak Dr$709
Filbert Way, Buchser Way, Rosswood Dr, Simberlan Dr, Winslow Dr, Drumm Ct, Fairorchard Ave, Blythe Ct, Castile Ct, Great Mall Pkwy$689
Santa Ynez St, Ferndale Dr, Mirage Way, Queensbury Ave, Jill Ave, Sonora Ave, Yucca Ave, Loire Ct, Camille Ct, Quinnhill Rd$649
Clarkspur Ln, Torrey Pines Cir, Four Oaks Cir, Malvern Ct, Ronco Dr, Merriman Rd, N Almaden Blvd, Alice Way, Spanishgate Ct, Kerryshire Ln$723
N Bernardo Ave, N 30th St, Frederick Ave, Mendelsohn Ln, Hunter Way, Herchell Dr, Wool Creek Dr, el Monte Way, Thurston Ave, Parc Ln$None
Capurso Way, Ranchero Dr, Pearl Ave, Burke St, Sussex Park Ct, Morocco Dr, Redwood Cir, Nimrick Ln, Loma Verde Ave, Wessex Pl$None
Juliet Ave, Rice Dr, Ashbourne Dr, Barbara Ave, Olive Branch Ct, Fernbrook Ct, Thomas Dr, Greenridge Ter, Urshan Ct, Freedom Dr$None

San Jose, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Jose$100 to $102
Cambrian Park$102

San Jose, 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
Fruitdale CDP, California $99 $132 $198
Campbell city, California $101 $134 $201
Santa Clara city, California $100 $133 $200

San Jose, 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 Jose, CA1.8%9.8%
Santa Clara1.9%13.98%

San Jose Renters Insurance as a Percentage of Rent

San Jose Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 4,203 1.0% $761
$300 to $499 5,908 2.0% $1211
$500 to $749 8,846 3.0% $1886
$750 to $999 19,256 8.0% $2636
$1,000 to $1,499 76,631 32.0% $3761
$1,500 or more 119,709 50.0% $5411

San Jose, CA Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95120 $926,700 $720
95129 $845,800 $720
95135 $747,200 $700
95125 $745,200 $690
95113 $736,800 $710
95138 $733,400 $700
95130 $684,500 $700
95124 $681,800 $700
95117 $637,400 $680
95118 $608,700 $680
95148 $605,200 $670
95126 $585,600 $680
95128 $577,300 $660
95132 $575,800 $660
95139 $542,200 $670
95131 $526,700 $660
95136 $523,800 $660
95123 $506,800 $660
95119 $505,800 $650
95133 $469,800 $650
95121 $457,100 $650
95127 $444,200 $650
95112 $433,500 $640
95110 $397,700 $640
95122 $352,500 $630
95111 $348,600 $630
95116 $340,800 $630
95134 $265,000 $610

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
4000001000NewAmerican Modern1219
4000001000NewPacific Specialty654
5000001000NewTokio Marine America407
5000001000NewUnigard Group899
5000002500NewAIG Prop Cas1375
5000002500NewCentury National835
7500002500NewHartford (Sentinel)903
1500005001-3 YearsHartford (Sentinel)378
3000005001-3 YearsPacific Specialty606
3000005001-3 YearsUnigard Group743
50000025001-3 YearsQBE (Balboa)748
50000025001-3 YearsStillwater Ins Co592
2000005004-6 YearsAAA (Interinsurance Exchange)550
2000005004-6 YearsHartford (Sentinel)478
2000005004-6 YearsMercury Ins Group312
2000005004-6 YearsQBE (Balboa)588
25000010004-6 YearsTravelers410
3000005004-6 YearsHorace Mann P & C838
40000010004-6 YearsAmerican Reliable1029
40000010004-6 YearsBankers Standard1885

San Jose, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly San Jose Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,100$10,600
Net Savings to San Jose Home Owner from High Deductible Plan $1,500

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

Scenario San Jose, CA Home Replacement Value MORE than Home Value San Jose, CA Home Replacement Value LESS than Home Value
Replacement Value $1,190,000 $850,000
Insurance Premium based on Replacement Value $3,450 $2,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $150,000 Risk Exposure from Under Insuring Coverage is $190,000
Premium Impact Insurance cheaper by $550/year Insurance costlier by $425/year

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

Insurance Company AllstateState FarmTravelers
Monthly Premium 211112105
Year Built 198919911973
Home Details 4 Beds, 2 Baths3 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount More than 10000000$600000-$700000$800000-$900000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1968 560,000 Asphalt Shingles Roof 2,020 3 $1000-$2500 Deductible 350 3 Stone Siding No
1961 475,000 Metal Roof 1,710 2 $5000 to $10,000 Deductible 690 7 Brick siding No
1985 580,000 Asphalt Shingles Roof 1,670 5 $1000-$2500 Deductible 760 5 Stone Siding yes
1989 675,000 Metal Roof 2,490 5 $5000 to $10,000 Deductible 790 7 Stucco siding No
1961 990,000 Metal Roof 3,320 4 $5000 to $10,000 Deductible 1540 9 Fiber-Cement Siding yes
1977 325,000 Shingles Roof 1,250 3 $500 Deductible 1270 12 Brick siding No
1977 345,000 Slate Shingles Roof 1,330 3 $500- $1000 Deductible 570 6 Wood siding No
1974 820,000 Membrane Roof 2,430 4 $2500-$5000 Deductible 1170 8 Fiber-Cement Siding yes
1963 1,070,000 Membrane Roof 3,140 4 $5000 to $10,000 Deductible 1930 12 Wood siding yes
1992 575,000 Tile Roof 1,560 2 $5000 to $10,000 Deductible 670 7 Fiber-Cement Siding No
1983 665,000 Composition Roof 2,400 4 $500 Deductible 310 2 Fiber-Cement Siding yes
1966 795,000 Shingles Roof 3,210 4 $1000-$2500 Deductible 330 2 Stone Siding No
1994 310,000 Slate Shingles Roof 960 2 > $10,000 Deductible 410 10 Fiber-Cement Siding yes
1960 1,245,000 Tile Roof 4,270 5 $500 Deductible 480 2 Wood siding No
1987 1,250,000 Asphalt Shingles Roof 4,260 5 $500 Deductible 2200 8 Stucco siding yes
1974 1,525,000 Wood Shake Roof 4,270 5 $5000 to $10,000 Deductible 560 4 Stucco siding yes
1984 610,000 Membrane Roof 2,460 4 $2500-$5000 Deductible 480 5 Stucco siding No
1972 400,000 Asphalt Shingles Roof 1,640 2 > $10,000 Deductible 830 12 Fiber-Cement Siding No
1965 440,000 Asphalt Shingles Roof 1,790 5 $1000-$2500 Deductible 90 1 Stucco siding No
1991 840,000 Wood Shake Roof 2,360 3 $500- $1000 Deductible 2060 10 Wood siding yes
1973 495,000 Asphalt Shingles Roof 1,510 2 $500- $1000 Deductible 950 10 Wood siding No
1997 465,000 Membrane Roof 1,700 4 $2500-$5000 Deductible 780 9 Stone Siding No
1997 370,000 Slate Shingles Roof 1,500 5 $2500-$5000 Deductible 350 5 Stone Siding yes
1980 655,000 Asphalt Shingles Roof 2,220 3 $5000 to $10,000 Deductible 1010 9 Wood siding No
1962 405,000 Composition Roof 1,170 2 $2500-$5000 Deductible 570 8 Wood siding No
1994 1,130,000 Slate Shingles Roof 3,960 5 $2500-$5000 Deductible 670 3 Wood siding yes
1968 375,000 Metal Roof 1,410 2 $2500-$5000 Deductible 220 3 Stone Siding No
1966 590,000 Membrane Roof 1,950 4 $2500-$5000 Deductible 1000 12 Stone Siding yes
1990 575,000 Composition Roof 1,740 2 $5000 to $10,000 Deductible 850 10 Stone Siding yes
1953 660,000 Slate Shingles Roof 1,868 3 $2500-$5000 Deductible 1490 9 Fiber-Cement Siding No

Latest Home Insurance Reviews

Farmer's Insurance
the premium and deductible of my current policy compared to the other home insurance policy for the same coverage. was much lower. i had my previous insurance agent see if she can beat it but she could not.
State Farm
Knowledgeable and friendly staff, competitive prices, and treat you as a person, not just as a policy. Very good customer service every time I have gone in or called.
I like their premium package because it is affordable
My home insurance company's customer service is amazing. They are always nice and willing to help me. I have only had positive experiences.
My premium is significantly lower. I have the same company for my auto insurance as well and the two policies are significantly cheaper than any previous plan I've had. I am thoroughly happy with the price point.
While their premiums might be higher I have had this company for many years and if I try to change companies I would be required to take on additional insurance due to proximity to the water.
State Farm
Overall,I did not receive the premium that I had set out to get,dealing with them.I kept myself open for other options before I signed.
The premium and deductible are also lower than other companies. I went to this one agent of mine to compare the quote and he couldn't beat it. He told me to stick with what I have.
I haven't had a bad experience yet. On a scale of 1 to 5, I give it a 5. Premiums are low and affordable.
State Farm
great policy deal and its was much more affordable than others i come across
My home insurance company does not clearly specify what is covered exactly by the policy and does not offer any ways to select different coverage. it's very one size fits all, which is so different from my car insurance which is provided by the exact same insurer.
First American Home Warranty
My home warranty company has an online service request option. i can easily go online and describe my problem and they call within a day to schedule service.
State Farm wanted to charge me $1400 for the same house. After years of paying their high premiums, I felt awful knowing that a little shopping around on my part could have saved my family hundreds every year.
Century National
The companies website is not really useful. i would like to be able to adjust my policy on the website.
State Farm
State farms website is very easy to use. I have not had to file a claim yet (thank God) but the navigation is so easy to follow, that if there was ever a problem, I’m sure the process would be streamlines. My account panel is very clear and visible, so you don't have to squint and search over the page to find what you are looking for
State Farm
I like pretty much everything about their communication protocol, even with the main company line. The times that I have had to call the home line/800 number the staff has always been extremely quick to address whatever it is that I needed.
I like the website because it is user-friendly and if you need any help, there is a help button and a chat button to assist you.
I'm neither because I don't own home insurance. I've never needed it but now the home I live in is family owned so I don't know how to handle home insueance
State Farm
I don't particularly like or dislike anything about the mobile app because I don't frequently use it. I think it is a basic app from an insurance company that offers features to check my policy and claims, or to contacts my broker.
State Farm
We find this to be relatively reasonable for our home. I would not change companies because I think I am getting a decent value.
There is nothing that I dislike about the company. There has never been a time when I regretted getting them for my home insurance.
I like that customer service is always nice. I appreciate that my local office is extremely nice as well, they are what is keeping my business.
Westfield Insurance
I would not recommend them to most people in today's world because they have very rudimentary website and tools. One expects to be able to get policy information on line, make payments, etc. This is not currently available
State Farm
I would recommend State Farm because the premiums are lower than others, the claims process is easy, they work with me and try to really understand my needs.
The price for Esurance is reasonable and they have been great at any questions I have. I've had to file one claim with them and they made it super easy.
State Farm
I have been with this company insuring my autos for 20 years, so it seemed logical that I look to them for my homeowner's insurance. Anytime I call my agents office I simply tell them my name and they know who I am and have my policy pulled up within seconds. There is never a need for me to have my policy number handy as they know me and treat me like a valued customer.
I don't think there is the demerit for this company but they must come up with much more attractive policies.
State Farm
I like that it is a nationally recognized brand and because of that recognition, I expect top quality service in the event I need to file a claim. I also like that I could start my claim online and allow them to take care of the details.
State Farm
I have been a customer of state farm since I started driving and they have always been a great insurance company so havening them for my home insurance was an easy decision.

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