San Jose, CA Home Insurance - Analysis On Quotes, Rates & Agents
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.
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.
Allstate
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Jose | $100 to $102 |
| Fruitdale | $99 |
| Campbell | $100 |
| 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
| 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 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 ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 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 |
San Jose, CA Home Insurance Costs With Deductible Scenario
| 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 | |
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 | 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 |
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 Insurancethe 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 FarmKnowledgeable 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.
AllstateI like their premium package because it is affordable
AllstateMy home insurance company's customer service is amazing. They are always nice and willing to help me. I have only had positive experiences.
ProgressiveMy 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.
TravelersWhile 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 FarmOverall,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.
MercuryThe 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.
ProgressiveI 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 Farmgreat policy deal and its was much more affordable than others i come across
ProgressiveMy 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 WarrantyMy 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.
AllstateState 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 NationalThe companies website is not really useful. i would like to be able to adjust my policy on the website.
State FarmState 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 FarmI 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.
EsuranceI 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.
AllstateI'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 FarmI 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 FarmWe find this to be relatively reasonable for our home. I would not change companies because I think I am getting a decent value.
AllstateThere is nothing that I dislike about the company. There has never been a time when I regretted getting them for my home insurance.
AllstateI 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 InsuranceI 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 FarmI 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.
EsuranceThe 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 FarmI 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.
AllstateMY EXPERIENCE WITH MY HOME INSURANCE COMPANY IS BEST BECAUSE IN THIS COMPANY THE STAFFS ARE SO FRIENDLY TO TALK AND DO THEIR JOB GENTLE.
AllstateI don't think there is the demerit for this company but they must come up with much more attractive policies.
State FarmI 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 FarmI 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.