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.

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Latest Home Insurance Reviews

Progressive
My 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 Warranty
My 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.
Allstate
State 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.

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

PlaceSavings 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

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%
Fruitdale2.36%11.96%
Campbell1.85%10.22%
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

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 ($)
4000001000NewAmerican Modern1219
4000001000NewPacific Specialty654
5000001000NewTokio Marine America407
5000001000NewUnigard Group899
5000002500NewAIG Prop Cas1375
5000002500NewCentury National835
7500002500NewHartford (Sentinel)903
7500002500NewNationwide1080
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
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 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

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
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