San Jose, CA - Data on Home Insurance Quotes, Rates & Agents
San Jose, CA Home Values & Insurance Rates
| San Jose, CA Home Value | Total Homes | % of Total | Average 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 |
Estimated Home Insurance By Street Area Near San Jose, CA
| San Jose Area | Estimated House Insurance |
|---|---|
| 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 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| San Jose | $100 to $102 |
| Fruitdale | $99 |
| Campbell | $100 |
| Cambrian Park | $102 |
San Jose, CA 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 Home 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 |
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 |
San Jose, CA Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| Fruitdale CDP, California | $99 | $132 | $198 |
| Campbell city, California | $101 | $134 | $201 |
| Santa Clara city, California | $100 | $133 | $200 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |