San Mateo ,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 Mateo, 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 Mateo, CA is $1612. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in San Mateo, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in San Mateo, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $645 |
| $200,000 | $1,096 |
| $300,000 | $1,354 |
| $400,000 | $2,063 |
| $500,000 | $2,595 |
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 Mateo, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,653 |
| $1000 Deductible | $1,478 |
| $1500 Deductible | $1,394 |
| $2500 Deductible | $1,257 |
| $5000 Deductible | $1,064 |
| Home Insurance Company Near San Mateo, CA | Homeowners Insurance Agency Near San Mateo, CA | Address |
|---|---|---|
| State Farm | Don Parker | 4546 El Camino Real, Los Altos, CA, 94022 |
| State Farm | Ernie Lopez | 374 Jackson Street, Hayward, CA, 94544-1544 |
| Farmers | Everett Taylor | 533 Airport Blvd Ste 330, Burlingame, CA, 94010 |
| Allstate | Laila Zachariah | 15466 Los Gatos Blvd Ste 205, Los Gatos, CA, 95032 |
| State Farm | Larry L Nazry | 412 D St, San Rafael, CA, 94901-3844 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| San Carlos city, California | $107 | $143 | $215 |
| Redwood City city, California | $104 | $138 | $207 |
| North Fair Oaks CDP, California | $99 | $132 | $198 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| San Mateo, CA | 1.7% | 9.5% |
| San Carlos | 1.59% | 10.31% |
| Redwood City | 1.73% | 10.85% |
| North Fair Oaks | 2.21% | 10.41% |
| San Mateo Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 984 | 1.0% | $1192 |
| $500 to $749 | 1,376 | 2.0% | $1867 |
| $750 to $999 | 4,043 | 7.0% | $2617 |
| $1,000 to $1,499 | 18,610 | 33.0% | $3742 |
| $1,500 or more | 30,084 | 54.0% | $5392 |
| Streets in San Mateo Area | Homeowners Insurance Cost |
|---|---|
| Ruth Ct, Alden St, Constitution Dr, Monticello Ct, Sunset Ter, Laurel Way, Naomi Ct, Montelena Ct, Chess Dr, Cheyenne Pt | $674 |
| Center St, Deanna Dr, Alpine Rd, Westminster Ave, E Laurel Creek Rd, Hillside Ct, Sharon Rd, Vista Way, Benson Way, Greenbriar Way | $None |
| Tinsley St, Sequoia Ct, Cathy Pl, Linden St, W Glen Way, Stilt Ct, Guildford Ave, Hillbrook Dr, la Loma Dr, Queens Ave | $626 |
| Concar Dr, Light Way, Encina Ave, Sylvan Way, Harvard Ave, Dale Ave, Alden St, Center St, Sloop Ct, Alhambra Dr | $690 |
| Country Ln, Boroughwood Pl, Tripp Rd, Ivy Dr, Palo Verde Ave, N Railroad Ave, Southgate St, Saint Francis Way, Mount Vernon Ln, E Homewood Pl | $None |
| Vista Ct, Link Rd, Silver Hill Rd, Newbridge Ave, Woodland Way, Ada St, Bradbury Ln, Almanor Ave, Marshall Ave, Cinnabar Rd | $668 |
| Hampshire Ave, Sycamore Ct, Noel Rd, Parkdale Way, Seki Ct, del Norte Ave, McCue Ave, Trenton Pl, Brighton Ln, Estrella Way | $670 |
| Cinnamon Ct, Middle Ct, Sharon Ave, Huron Ave, Emerald Lake Pl, Bounty Dr, Santa Monica Ave, Monterey Ave, W Santa Inez Ave, Needleridge Ct | $None |
| 30th Ave, Clinton St, Compass Ln, Circle Star Way, Lassen Dr, Park Ln, E 5th Ave, Crestwood Ct, Dumont St, Ansel Ln | $688 |
| 36th Ave, Bain Pl, Otay Ave, Schembri Ln, Lower Lupin Way, Eaton Rd, Sonora Dr, Olympic Ave, Windfield Ln, Monte Cresta Dr | $721 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Mateo | $105 to $108 |
| San Carlos | $107 |
| Redwood City | $103 |
| North Fair Oaks | $99 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 1-3 Years | Unigard Group | 523 |
| 150000 | 250 | 16-25 Years | American Security | 590 |
| 150000 | 500 | 4-6 Years | AIG Prop Cas | 830 |
| 150000 | 500 | 7-15 Years | Tokio Marine America | 257 |
| 200000 | 500 | 1-3 Years | General Ins | 275 |
| 200000 | 500 | 4-6 Years | Mercury Ins Group | 529 |
| 200000 | 500 | 7-15 Years | IDS Property Casualty | 509 |
| 200000 | 500 | 7-15 Years | USAA | 517 |
| 200000 | 500 | 7-15 Years | Western Mutual/Residence | 695 |
| 200000 | 500 | 16-25 Years | Amco | 721 |
| 200000 | 500 | 16-25 Years | Mercury Ins Group | 824 |
| 200000 | 500 | 16-25 Years | Western Mutual/Residence | 833 |
| 200000 | 500 | 41-70 Years | Bankers Standard | 2237 |
| 250000 | 1000 | New | Foremost Insurance | 811 |
| 250000 | 1000 | 1-3 Years | Farmers (Fire Ins) | 718 |
| 250000 | 1000 | 4-6 Years | American Security | 825 |
| 250000 | 1000 | 7-15 Years | IDS Property Casualty | 575 |
| 250000 | 1000 | 7-15 Years | Kemper | 758 |
| 250000 | 1000 | 16-25 Years | Hartford (Sentinel) | 840 |
| 250000 | 1000 | 41-70 Years | Horace Mann | 812 |
| 250000 | 1000 | 41-70 Years | Travelers | 570 |
| 250000 | 500 | 1-3 Years | Century National | 744 |
| 250000 | 500 | 1-3 Years | Integon/National | 656 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $4,900 |
| Yearly San Mateo Homeowner Insurance Premium Example | $2,000 | $1,500 |
| Out of Pocket Expense During Claim | $1,900 | $4,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $17,900 | $16,900 |
| Net Savings to San Mateo Home Owner from High Deductible Plan | $1,000 | |
| Scenario | San Mateo, CA Home Replacement Value MORE than Home Value | San Mateo, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $1,174,000 | $832,000 |
| Insurance Premium based on Replacement Value | $2,825 | $2,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $92,500 | Risk Exposure from Under Insuring Coverage is $249,500 |
| Premium Impact | Insurance cheaper by $600/year | Insurance costlier by $225/year |
| Insurance Company | State Farm | Chubb Group of Insurance | Liberty Mutual |
| Monthly Premium | 127 | 143 | 165 |
| Year Built | 1960 | 1992 | 1976 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $500000-$600000 | $700000-$800000 | $800000-$900000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |