San Jose ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the San Jose, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in San Jose, CA is $1502. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in San Jose, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in San Jose, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $601 |
| $200,000 | $1,021 |
| $300,000 | $1,262 |
| $400,000 | $1,923 |
| $500,000 | $2,418 |
Home insurance costs in San Jose can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 095120 | $1,520 |
| 95129 | $1,542 |
| 95135 | $1,432 |
| 95125 | $1,465 |
| 95113 | $1,367 |
| 95138 | $1,426 |
| 95130 | $1,489 |
| 95124 | $1,455 |
| 95117 | $1,428 |
| 95118 | $1,422 |
| 95148 | $1,396 |
| 95126 | $1,399 |
| 95128 | $1,409 |
| 95132 | $1,413 |
| 95139 | $1,375 |
| 95131 | $1,391 |
| 95136 | $1,373 |
| 95123 | $1,371 |
| 95119 | $1,385 |
| 95133 | $1,367 |
| 95121 | $1,360 |
| 95127 | $1,353 |
| 95112 | $1,357 |
| 95110 | $1,337 |
| 95122 | $1,323 |
| 95111 | $1,320 |
| 95116 | $1,326 |
| 95134 | $1,256 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in San Jose, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,540 |
| $1000 Deductible | $1,377 |
| $1500 Deductible | $1,299 |
| $2500 Deductible | $1,172 |
| $5000 Deductible | $991 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| San Jose, CA | 1.8% | 9.8% |
| Fruitdale | 2.36% | 11.96% |
| Campbell | 1.85% | 10.22% |
| Santa Clara | 1.9% | 13.98% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Jose | $100 to $102 |
| Fruitdale | $99 |
| Campbell | $100 |
| Cambrian Park | $102 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 400000 | 1000 | New | American Modern | 1219 |
| 400000 | 1000 | New | Pacific Specialty | 654 |
| 500000 | 1000 | New | Tokio Marine America | 407 |
| 500000 | 1000 | New | Unigard Group | 899 |
| 500000 | 2500 | New | AIG Prop Cas | 1375 |
| 500000 | 2500 | New | Century National | 835 |
| 750000 | 2500 | New | Hartford (Sentinel) | 903 |
| 750000 | 2500 | New | Nationwide | 1080 |
| 150000 | 500 | 1-3 Years | Hartford (Sentinel) | 378 |
| 300000 | 500 | 1-3 Years | Pacific Specialty | 606 |
| 300000 | 500 | 1-3 Years | Unigard Group | 743 |
| 500000 | 2500 | 1-3 Years | QBE (Balboa) | 748 |
| 500000 | 2500 | 1-3 Years | Stillwater Ins Co | 592 |
| 200000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 550 |
| 200000 | 500 | 4-6 Years | Hartford (Sentinel) | 478 |
| 200000 | 500 | 4-6 Years | Mercury Ins Group | 312 |
| 200000 | 500 | 4-6 Years | QBE (Balboa) | 588 |
| 250000 | 1000 | 4-6 Years | Travelers | 410 |
| 300000 | 500 | 4-6 Years | Horace Mann P & C | 838 |
| 400000 | 1000 | 4-6 Years | American Reliable | 1029 |
| 400000 | 1000 | 4-6 Years | Bankers Standard | 1885 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $3,600 |
| 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 | |
| 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 |
| Insurance Company | Allstate | State Farm | Travelers |
| Monthly Premium | 211 | 112 | 105 |
| Year Built | 1989 | 1991 | 1973 |
| Home Details | 4 Beds, 2 Baths | 3 Beds, 1 Baths | 5 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 |