San Mateo Insurance Rates:

San Mateo, CA homeowners insurance is roughly $601 to $813, about $50-$67/month. Our in depth analysis indicates shoppers can save upto $282 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Safeco Insurance
With the increasing coverage they automatically increase rates, there is no way to negotiate the price or coverage options to be lower.
We have this insurance for so many years and still have a low deductible when compared to the plans of other insurance providers
State Farm
The customer service is excellent. They respond to claims quickly and do not give you the runaround. They inform you quickly if there is any problem they detect from their end. For example, if there was an overcharge. In this instance, they refunded the amount in a reasonable time period.
Century National
My policy is expensive. i am glad this company allows me to pay it in 4 separate parts. instead of one large payment.
I had an issue with the payment amount recently and they made it right by refunding me the amount, which was appreciated. Every time I call, they are friendly and easy to talk to and understand.
State Farm
Our agent keeps in touch with us and sends us updates constantly on any changes coming to our policy or premium rates. They are always very personable and respectful on the phone as well.
Liberty Mutual
I got quotes from four other companies and this one was the best price with the most coverage so I am happy with what I'm paying with this company.
I have not had to file a claim with this company and have only had a limited amount of phone contact regarding my payments and such.
I found Allstate to be the best price around. We did Horace Mann, state farm, and Prudential. All were much more. With the bundle, it's great.
it's company with good reputation and nice customer service.
Farmer's Insurance
I think at this point my rate might be higher than it should be or that I should get better coverage and hope they will come down.
Nationwide not only has very good rates, but in my opinion, they have the best customer service. They have made any clqam I have made easy to handle. They have taken a lot of stress off my back.
After comparing rates between other insurance companies, policy to policy they had the best rates. I would recommend anyone searching to give them a try.
Farmer's Insurance
I can't say that there is anything that I dislike about this company. So far, all my interactions with them have been overwhelmingly positive.
State Farm
they are fine. it's something you don't really think about until something happens. and I think they are comparable to other insurance companies for the service level and cost
what I dislike would be the company's radio and tv ads as they can be a tad bit annoying but really this isn't anything important and doesn't reflect the service level
Century National
This company is good about sending me information about my policy every year at renewal time. this helps me to understand what the policy covers.
State Farm
Between customer service, the rates, and stability of the company I would happily recommend State Farm to anyone.
State Farm
i would definitely recommend my insurance company to anyone that would ask. mainly because they have always said i was covered whenever an accident occurred.
I would absolutely recommend Traveler's Insurance for homeowner's and automobile insurance. They offer adequate coverage, great customer service, experienced agents.
Liberty Mutual
The premium and deductible are as good as but not any better than other insurance companies.
My home insurance offered many great things along with a bundle option with my car insurance which saves me some money. They cover everything that I need.
I recommend this company because they don't give you the run around when you contact them. They either get you right where you need to be or can help you without transferring you a bunch of times.
The policies are generally the same as those offered with other insurance providers. However they are less expensive so far and not at all limiting in the verbiage of the policy.

San Mateo, CA Homeowners Insurance By Home Value

San Mateo, CA Home Value Total Homes % of Total Average San Mateo, CA Homeowners Insurance
Less than $50,000 826 9.0% $14
$50,000 to $59,999 242 2.0% $42
$60,000 to $69,999 86 1.0% $49
$70,000 to $79,999 156 1.0% $56
$80,000 to $89,999 194 2.0% $63
$90,000 to $99,999 204 2.0% $70
$100,000 to $124,999 634 7.0% $84
$125,000 to $149,999 194 2.0% $106
$150,000 to $174,999 329 3.0% $127
$175,000 to $199,999 128 1.0% $148
$200,000 to $249,999 874 10.0% $176
$250,000 to $299,999 1,067 12.0% $219
$300,000 to $399,999 3,545 41.0% $282

Top Home Insurance Agents Near San Mateo, CA

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

San Mateo, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near San Mateo, CA

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

San Mateo, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Mateo$105 to $108
San Carlos$107
Redwood City$103
North Fair Oaks$99

San Mateo, 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
San Carlos city, California $107 $143 $215
Redwood City city, California $104 $138 $207
North Fair Oaks CDP, California $99 $132 $198

San Mateo, 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 Mateo, CA1.7%9.5%
San Carlos1.59%10.31%
Redwood City1.73%10.85%
North Fair Oaks2.21%10.41%

San Mateo Renters Insurance as a Percentage of Rent

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

Average Cost Of Home Insurance By Company In Areas Nearby San Mateo For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsUnigard Group523
15000025016-25 YearsAmerican Security590
1500005004-6 YearsAIG Prop Cas830
1500005007-15 YearsTokio Marine America257
2000005001-3 YearsGeneral Ins275
2000005004-6 YearsMercury Ins Group529
2000005007-15 YearsIDS Property Casualty509
2000005007-15 YearsUSAA517
2000005007-15 YearsWestern Mutual/Residence695
20000050016-25 YearsAmco721
20000050016-25 YearsMercury Ins Group824
20000050016-25 YearsWestern Mutual/Residence833
20000050041-70 YearsBankers Standard2237
2500001000NewForemost Insurance811
25000010001-3 YearsFarmers (Fire Ins)718
25000010004-6 YearsAmerican Security825
25000010007-15 YearsIDS Property Casualty575
25000010007-15 YearsKemper758
250000100016-25 YearsHartford (Sentinel)840
250000100041-70 YearsHorace Mann812
250000100041-70 YearsTravelers570
2500005001-3 YearsCentury National744
2500005001-3 YearsIntegon/National656

San Mateo, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

San Mateo, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example San Mateo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmChubb Group of InsuranceLiberty Mutual
Monthly Premium 127143165
Year Built 196019921976
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $500000-$600000$700000-$800000$800000-$900000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for San Mateo, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 800,000 Composition Roof 1,730 4 $5000 to $10,000 Deductible 730 6 Vinyl siding yes
1973 1,215,000 Metal Roof 2,590 4 $1000-$2500 Deductible 1890 8 Vinyl siding yes
1983 670,000 Wood Shake Roof 1,630 5 $5000 to $10,000 Deductible 620 6 Fiber-Cement Siding No
1977 1,550,000 Slate Shingles Roof 4,570 5 > $10,000 Deductible 890 6 Stucco siding yes
1975 1,195,000 Wood Shake Roof 2,840 4 $5000 to $10,000 Deductible 310 2 Brick siding No
1992 885,000 Tile Roof 1,970 5 > $10,000 Deductible 1380 9 Wood siding yes
1987 1,945,000 Asphalt Shingles Roof 4,610 5 $5000 to $10,000 Deductible 1100 8 Vinyl siding yes
1958 875,000 Composition Roof 2,120 4 > $10,000 Deductible 950 10 Vinyl siding No
1965 580,000 Shingles Roof 1,360 2 > $10,000 Deductible 70 1 Fiber-Cement Siding No
1986 575,000 Composition Roof 1,450 3 $1000-$2500 Deductible 1090 7 Stone Siding No
1999 640,000 Membrane Roof 1,380 3 $500- $1000 Deductible 1260 10 Stucco siding yes
1978 530,000 Asphalt Shingles Roof 1,660 2 $2500-$5000 Deductible 1210 10 Fiber-Cement Siding No
1955 570,000 Wood Shake Roof 1,580 5 > $10,000 Deductible 60 1 Wood siding No
1959 1,140,000 Asphalt Shingles Roof 2,720 4 $500 Deductible 570 2 Fiber-Cement Siding yes
1977 650,000 Wood Shake Roof 1,450 3 $500- $1000 Deductible 660 5 Wood siding yes
1999 785,000 Composition Roof 2,000 4 $500 Deductible 180 1 Fiber-Cement Siding No
1992 895,000 Slate Shingles Roof 2,180 3 $5000 to $10,000 Deductible 350 2 Brick siding yes
1981 640,000 Shingles Roof 1,620 2 $2500-$5000 Deductible 710 6 Stone Siding No
1968 570,000 Tile Roof 1,580 2 $2500-$5000 Deductible 410 3 Brick siding yes
1983 1,085,000 Composition Roof 2,300 5 $5000 to $10,000 Deductible 1690 10 Stucco siding No
1956 1,040,000 Asphalt Shingles Roof 2,520 4 $500 Deductible 1080 4 Stone Siding yes
1975 450,000 Slate Shingles Roof 970 2 $1000-$2500 Deductible 650 5 Wood siding No
1990 580,000 Tile Roof 1,360 3 $5000 to $10,000 Deductible 720 7 Stucco siding yes
1987 720,000 Asphalt Shingles Roof 1,620 2 $500 Deductible 370 2 Stucco siding No
1972 755,000 Wood Shake Roof 1,700 2 $500 Deductible 1180 7 Fiber-Cement Siding No
1956 765,000 Slate Shingles Roof 1,630 3 $500 Deductible 1220 9 Fiber-Cement Siding yes
1991 1,230,000 Wood Shake Roof 3,520 5 $5000 to $10,000 Deductible 1320 8 Stone Siding yes
1981 970,000 Metal Roof 2,400 4 $5000 to $10,000 Deductible 530 4 Stone Siding No
1975 735,000 Shingles Roof 1,610 2 $2500-$5000 Deductible 1230 10 Fiber-Cement Siding No
1962 1,370,000 Wood Shake Roof 3,430 5 $500- $1000 Deductible 1470 7 Brick siding yes
1978 1,280,000 Tile Roof 2,276 4 $1000-$2500 Deductible 840 3 Fiber-Cement Siding No

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