San Jose Insurance Rates:

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.

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Home Insurance Companies in San Jose, CA: Customer-Reviewed Options


San Jose, CA Homeowners Insurance Rates by Coverage Level

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


San Jose, CA Homeowners Insurance Rates by ZIP Code

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


San Jose, CA Homeowners Insurance Deductibles

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



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


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

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

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