San Mateo Insurance Rates:

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.

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

 

San Mateo, CA Homeowners Insurance Rates by Coverage Level

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

 

San Mateo, 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 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

 

 


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

 

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

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

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
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

 


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