San Pablo Insurance Rates:

San Pablo, CA homeowners insurance is approximately $508 to $692, about $42-$57/month. Our detailed analysis reveals consumers can save as much as $240 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State farm makes it very easy to pay my insurance bill. they offer monthly, quarterly, or one-time payment options. i set auto pay and it takes care of itself!
State Farm
My insurance agency charges me too much for having never been in an accident and have taken defensive driving. they are just greedy people who don't care about their customers.
Mercury
The premium is much lower than my prior home insurance company of many years ago. Approximately three years ago Mercury reduced the premium a little which made it more desirable.
Progressive
It seemed that we were getting a fair rate when we compared the different companies and what they were offering. I will say that I would have been willing to pay a little more for progressive since they are available 24/7 and are fantastic at taking and dealing with claims.
State Farm
There isn't anything I dislike about the company and I would choose to stay with State Farm if given a choice
Progressive
Their prices could be better. I don't think it is fair to be charged a higher rate for a bad credit score even though my driving record is great.
Allstate
It is about the standard premium for other companies that I considered so I think that it is an acceptable amount.

San Pablo, CA Homeowners Insurance By Home Value

San Pablo, CA Home Value Total Homes % of Total Average San Pablo, CA Homeowners Insurance
Less than $50,000 326 9.0% $72
$70,000 to $79,999 52 1.0% $216
$80,000 to $89,999 80 2.0% $246
$90,000 to $99,999 66 1.0% $276
$100,000 to $124,999 259 7.0% $318
$125,000 to $149,999 351 9.0% $396
$150,000 to $174,999 430 12.0% $468
$175,000 to $199,999 350 9.0% $540
$200,000 to $249,999 602 17.0% $654
$250,000 to $299,999 410 11.0% $798
$300,000 to $399,999 579 16.0% $1014

Top Home Insurance Agents Near San Pablo, CA

Home Insurance Company Near San Pablo, CA Homeowners Insurance Agency Near San Pablo, CA Address
NA Redwood City Insurance Center Po Box 1089 , Redwood City, CA, 94064
NA O'Kane & Tegay Insurance Brokers 2145 19Th Avenue, Suite 3 San Francisco, San Francisco, CA, 94116
Farmers Kimberly Brown 1455 N Dutton Ave Ste C, Santa Rosa, CA, 95401
Liberty Mutual Independent Paul R Nadler Ins Services 1560 LAUREL ST STE 200, SAN CARLOS, CA, 94070
Nationwide Thomas Fife Bushman 800 South Broadway STE 103, Walnut Creek, CA, 94596

Cost Of Homeowners Insurance By Street Near San Pablo, CA

Streets in San Pablo Area Homeowners Insurance Cost
Dover Ave, Hannon Dr, Stanton Ave, Mc Laughlin St, Coalinga Ave, Pablo Vista Ave, Powell St, Lovegrove Ave, Stanton Ave, Palmer Ave$596
Santa Paula Ct, la Puerta Rd, Prather Ave, John Ave, Montoya Ave, Erla Way, Greenwood Ct, Center Ct, Casino Ave, Gaynor Ave$608
Howard St, Groom Dr, University Ave, Golden Gate Ave, Shane Dr, Glynis Dr, Aberdeen Way, Regello Ct, Presidio St, Manor Dr$617
Mifflin Ave, Mission Bell Dr, Carmel St, Mc Bryde Ave, Erin Ct, Cuthbertson Ln, Barkley Dr, Jo Ann Dr, Dover Ave, Gerald Ave$621
Lassen St, Miflin Ave, W Victoria Ct, Baywood Ln, San Ramon Ct, Short Ave, Cedar Ter, Ohare Ave, Barth Ave, Hull Dr$609

San Pablo, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Pablo$89 to $92
Rollingwood$90
Richmond$92
North Richmond$89

San Pablo, 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
Rollingwood CDP, California $75 $100 $150
Richmond city, California $77 $103 $154
North Richmond CDP, California $75 $99 $149

San Pablo, 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 Pablo, CA2.6%12.1%
Rollingwood2.68%20.73%
Richmond2.37%11.88%
North Richmond2.24%11.09%

San Pablo Renters Insurance as a Percentage of Rent

San Pablo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 135 2.0% $799
$300 to $499 300 6.0% $1249
$500 to $749 632 13.0% $1924
$750 to $999 1,134 24.0% $2674
$1,000 to $1,499 1,781 38.0% $3799
$1,500 or more 663 14.0% $5449

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCSAA Ins Exch563
150000250NewUnigard Group515
1500002504-6 YearsCSAA Ins Exch686
15000025026-40 YearsHomesite857
150000500NewAAA (Interinsurance Exchange)245
150000500NewGrange443
1500005001-3 YearsCSAA Ins Exch539
1500005001-3 YearsFirst American Ins395
15000050016-25 YearsCalifornia Casualty680
15000050041-70 YearsHorace Mann P & C504
200000500NewAmerican Reliable482
2000005004-6 YearsEncompass1084
2000005007-15 YearsStillwater Ins Co608
20000050016-25 YearsQBE (Balboa)680
20000050026-40 YearsAAA (Interinsurance Exchange)758
20000050041-70 YearsOregon Mutual841
2500001000NewCalifornia Casualty427
25000010007-15 YearsUniversal North America659
250000100016-25 YearsMetropolitan Direct1348
250000100016-25 YearsUnigard Group857
2500005007-15 YearsGrange1033
2500005007-15 YearsMAPFRE Group823

San Pablo, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly San Pablo Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to San Pablo Home Owner from High Deductible Plan $600

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

Scenario San Pablo, CA Home Replacement Value MORE than Home Value San Pablo, CA Home Replacement Value LESS than Home Value
Replacement Value $407,000 $287,500
Insurance Premium based on Replacement Value $1,300 $925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $54,500 Risk Exposure from Under Insuring Coverage is $65,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $175/year

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

Insurance Company Farmers InsuranceGEICO InsuranceChubb Group of Insurance
Monthly Premium 4830117
Year Built 198219541998
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $175000-$200000$150000-$175000$400000-$500000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1992 250,000 Shingles Roof 2,200 4 > $10,000 Deductible 70 2 Stucco siding yes
1963 170,000 Metal Roof 1,670 3 $500- $1000 Deductible 60 2 Fiber-Cement Siding yes
1959 280,000 Tile Roof 2,580 4 $2500-$5000 Deductible 380 7 Stucco siding No
1996 225,000 Wood Shake Roof 2,130 3 $500 Deductible 340 5 Brick siding yes
1967 155,000 Asphalt Shingles Roof 1,140 2 $5000 to $10,000 Deductible 60 3 Vinyl siding No
1950 260,000 Slate Shingles Roof 2,180 3 $500- $1000 Deductible 440 8 Vinyl siding No
1993 320,000 Metal Roof 3,380 4 $1000-$2500 Deductible 500 7 Vinyl siding No
1966 285,000 Shingles Roof 2,650 4 > $10,000 Deductible 200 4 Vinyl siding No
1986 335,000 Asphalt Shingles Roof 2,820 4 $2500-$5000 Deductible 430 9 Stucco siding No
1974 150,000 Slate Shingles Roof 1,530 3 $5000 to $10,000 Deductible 20 1 Stone Siding yes
1951 130,000 Composition Roof 1,360 2 $500- $1000 Deductible 170 5 Vinyl siding No
1986 195,000 Asphalt Shingles Roof 1,750 4 $500 Deductible 350 10 Fiber-Cement Siding No
1950 260,000 Tile Roof 2,100 3 $500- $1000 Deductible 510 10 Wood siding No
1973 150,000 Membrane Roof 1,470 3 $1000-$2500 Deductible 180 7 Brick siding yes
1977 165,000 Metal Roof 1,430 2 $500 Deductible 200 7 Fiber-Cement Siding yes
1992 155,000 Tile Roof 1,500 3 $500 Deductible 580 12 Stucco siding No
1972 195,000 Asphalt Shingles Roof 1,470 3 $1000-$2500 Deductible 250 7 Vinyl siding yes
1994 110,000 Wood Shake Roof 1,030 2 $2500-$5000 Deductible 50 3 Stone Siding No
1966 165,000 Composition Roof 1,300 2 $500 Deductible 180 4 Stucco siding No
1987 215,000 Shingles Roof 1,620 4 $500 Deductible 460 10 Stone Siding No
1991 115,000 Membrane Roof 1,210 3 $2500-$5000 Deductible 110 6 Brick siding No
1990 200,000 Composition Roof 1,750 4 $1000-$2500 Deductible 470 9 Wood siding No
1961 130,000 Tile Roof 1,120 2 $1000-$2500 Deductible 160 7 Wood siding No
1953 265,000 Membrane Roof 2,320 3 $5000 to $10,000 Deductible 140 3 Fiber-Cement Siding yes
1997 405,000 Slate Shingles Roof 3,100 4 $2500-$5000 Deductible 970 10 Stone Siding yes
1996 315,000 Shingles Roof 2,730 4 $500 Deductible 800 12 Stucco siding yes
1963 155,000 Shingles Roof 1,550 2 $500- $1000 Deductible 220 6 Stucco siding yes
1951 425,000 Slate Shingles Roof 3,390 4 $2500-$5000 Deductible 460 6 Vinyl siding No
1992 220,000 Shingles Roof 2,160 3 $1000-$2500 Deductible 220 6 Stone Siding yes
1952 195,000 Tile Roof 2,000 4 $2500-$5000 Deductible 260 8 Vinyl siding No