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.
Latest Home Insurance Reviews
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.
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.
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 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |