San Ramon Insurance Rates:

San Ramon, CA homeowners insurance is about $576 to $783, about $48-$65/month. Our extensive guide indicates shoppers can save upto $272 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Good price and offerings but mainly go with experience and what you want from them. Overall they are very trusted.
I can call and they give me an answer. So i do get answers from what i called for. Very helpful people.
Liberty Mutual
I have had a positive experience with Liberty Mutual in 9 years and wouldn't hesitate to recommend to others--the caveat is that I have never filed a claim and don't know how the service would be in that case.
I recommend it because it is so cheap and easy to use. The customer service is also superb in my own experience, and they make it easy to use.
I would recommend Nationwide Home Insurance policy. Overall I think it is a good product and I also think that overall it is a good, reliable, and trustworthy company.
State Farm
I appreciate their local office, staff that knows me on sight and is always available for me. If I have questions about my coverage, they have the answers right away.
I give this insurance company a 5 again. The premium is twice as high as it would be if we lived in the city. However, it still is better than no insurance. It is also better than last years' policy.
Traveler's Insurance has a higher cost than most providers we've dealt with in the past, Our monthy premium is roughly $178, yearly $2100, with a deductible of $1000 per claim.
I have been very pleased with Progressive's customer service and on a scale of 1 to 5 I would give them a 4. I choose a 4, not a 5, simply because I have received good customer service but nothing that particularly goes above and beyond.
The premium is pro-rated into our mortgage payment. It's much easier that way. The deductible is different for different claims. This insurance company was about the same as others.
I am completely satisfied with my home insurance policy. The policy cover everything that I need without costing me a lot of money.
I do not remember off the top of my head, it is on my husband's account and he pays the bill. Also we did not compare to other policies.
State Farm
I am very satisfied with my home insurance offerings. The benefits I elected are relatively simple but during the switch, the agent explained a whole range of offerings that I could choose should I ever want to.
The insurance for policies are great and helpful. The payments are not too much and they have excellent customer service. Great overall.
State Farm
I would recommend my insurance to a person because i feel it is good for me so it will definitely be good for them also
I am unsure as to what my home insurance company policy offers that would differ from another company. So far, I have been happy with my company.
Prices seem to be reasonable for the amount of coverage. the flood insurance, however, is not included when in other companies it is.
Fremont Home Insurance
There seems to be nothing negative besides they raised the rates. there have never been any issues with them. they have great customer service.
Old Republic Home Protection
They have been great to deal with, especially when we had to file a claim. they really didn't give us too much trouble, and i respect that
I have moved to a different state and it was easy to get and adjust my home and auto insurance policies. Once I got the auto pay setup properly it is simply deducted from my checking account twice a year.
Farmer's Insurance
When shopping around for insurance this company gave me the best premium compared to other insurance companies for the same coverage.
State Farm
All your payment options
State Farm
I think my premium is a great deal and I save a lot more money than some of the other companies I looked into.
Amica Mutual Insurance
I will recommend Amica not only for their prompt and friendly customer service agents but also for the affordable premiums.
The rate were getting is 10% less than two of my neighbors with comparable homes. We contemplated changing providers last year but have no concerns any longer.
The experience with the Allstate company was really good.They have an excellent customer service.The y give much importance to customer satisfaction.

San Ramon, CA Homeowners Insurance By Home Value

San Ramon, CA Home Value Total Homes % of Total Average San Ramon, CA Homeowners Insurance
Less than $50,000 44 2.0% $20
$50,000 to $59,999 35 1.0% $47
$80,000 to $89,999 20 1.0% $81
$90,000 to $99,999 20 1.0% $88
$100,000 to $124,999 71 3.0% $102
$125,000 to $149,999 57 2.0% $129
$150,000 to $174,999 174 9.0% $156
$175,000 to $199,999 101 5.0% $176
$200,000 to $249,999 348 18.0% $217
$250,000 to $299,999 331 17.0% $265
$300,000 to $399,999 700 36.0% $333

Top Home Insurance Agents Near San Ramon, CA

Home Insurance Company Near San Ramon, CA Homeowners Insurance Agency Near San Ramon, CA Address
Travelers Alonzo And Small Insurance Agency Inc 1440 MILITARY W STE 202, BENICIA, CA, 94510
State Farm Joe Cilenti 3021 Citrus Cir Ste 100, Walnut Creek, CA, 94598-2630
Nationwide Pedro Ramon Garcia Agency 1390 S Winchester Blvd. STE 2 B, San Jose, CA, 95128
Allstate Tony Huey 1780 Whipple Rd Ste 201, Union City, CA, 94587
Travelers Vincent Leung Insurance Service 829 HARRISON ST, OAKLAND, CA, 94607

San Ramon, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near San Ramon, CA

Streets in San Ramon Area Homeowners Insurance Cost
Winterrun Dr, Waterbury Pl, Magnolia Bridge Dr, Colmar St, Wilton Pl, St Pierre Ct, Country Creek Ct, Deerwood Pl, W Lakeshore Dr, Longleaf Cir$666
Corrinne Pl, Fallbury Ct, Jasper Hill Dr, Kent Pl, Kingsbridge Ct, London Way, Trillium Ln, Santa Clara Pl, el Cerro Blvd, Amberstone Ln$661
Loma Vista Ct, Dolcita Ct, Claremont Crest Ct, Rutherglen Dr, Fairview St, Madelia Pl, Kelley Ln, Centerpoint Ter, Arvada Ct, Cottswald St$659
Cody Ct, Prestwick Ct, Waterlilly Ct, Ashwell Ln, Salem Town Ct, Phoenix St, Polly Ct, Spring Vista Ct, Seminole Ct, Balmoral Way$702
Canyon Crest Ave, Mustang Dr, Santa Rosa Ave, Brevensville Dr, Evergreen Ct, Scarboro Pl, Trailview Ct, Hardy Ct, Larkwood Cir, Copperfield Ln$685
Olive Ln, Spring Valley Way, Bello Ct, Ridgeview Ct, Amberwood Way, McCloud Pl, Belfast Pl, Argyle Ct, San Juan Pl, Mahogany Ln$659
Adriatic Ct, Patricks Pl, Kingsley Pl, Orange Blossom Way, el Capitan Dr, Woodview Cir, Orange Blossom Ct, Mediar Ct, Nassau Ct, Albridal Way$703
Avery Ct, la Velle Ct, Alexander Ln, Veracruz Dr, Angel, Silverchief Way, Tareyton Ct, Silverado Ct, Ledgefern Cir, Inverness St$715
Tewksbury Ct, Hazelnut Ct, Chaucer Ct, Viewpoint Dr, Moorilla Ln, Colima Ave, Milo Way, Cardona Cir, Yosemite Ave, Alta Loma Pl$663
Brian Ct, Gait Ct, Winterleaf Ct, Castille Ct, Burns Ct, Laramie Ave, Carmenere St, Paige Ct, Liberta Ct, Santander Dr$659

San Ramon, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Ramon$101 to $104
Camino Tassajara$107
Norris Canyon$109

San Ramon, 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
Camino Tassajara CDP, California $107 $143 $215
Norris Canyon CDP, California $109 $145 $218
Blackhawk CDP, California $109 $145 $218

San Ramon, 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 Ramon, CA1.6%8.0%

San Ramon Renters Insurance as a Percentage of Rent

San Ramon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 91 1.0% $1882
$750 to $999 188 2.0% $2632
$1,000 to $1,499 2,344 33.0% $3757
$1,500 or more 4,418 62.0% $5407

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsQBE (Balboa)495
1500005004-6 YearsHartford (Sentinel)421
1500005007-15 YearsBankers Standard1913
15000050016-25 YearsAmerican Security416
15000050016-25 YearsChubb/Federal859
15000050041-70 YearsBankers Standard2001
200000500NewGeneral Ins213
2000005001-3 YearsGeneral Ins223
2000005001-3 YearsMetropolitan Direct885
20000050016-25 YearsForemost Insurance935
20000050026-40 YearsCalifornia Capital495
2500001000NewCentury National553
25000010001-3 YearsStillwater Prop & Cas Co523
25000010007-15 YearsCalifornia Casualty758
25000010007-15 YearsTokio Marine America332
250000100026-40 YearsState Farm739
250000500NewAIG Prop Cas1107
250000500NewCalifornia Casualty441
250000500NewFirst American Ins545
25000050016-25 YearsHomesite1103

San Ramon, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly San Ramon Homeowner Insurance Premium Example $1,700$1,200
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $11,400$10,400
Net Savings to San Ramon Home Owner from High Deductible Plan $1,000

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

Scenario San Ramon, CA Home Replacement Value MORE than Home Value San Ramon, CA Home Replacement Value LESS than Home Value
Replacement Value $939,000 $623,500
Insurance Premium based on Replacement Value $3,375 $2,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $110,000 Risk Exposure from Under Insuring Coverage is $205,500
Premium Impact Insurance cheaper by $725/year Insurance costlier by $400/year

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

Insurance Company Amica Mutual Insurance CompanyAllstateNationwide Insurance
Monthly Premium 9793109
Year Built 199920082013
Home Details 5 Beds, 4 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000$600000-$700000$400000-$500000
Deductible > $10,000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2009 515,000 Membrane Roof 1,820 3 $1000-$2500 Deductible 520 5 Stone Siding yes
1996 1,360,000 Tile Roof 4,370 5 $500 Deductible 1000 4 Brick siding yes
2007 775,000 Slate Shingles Roof 2,420 5 $5000 to $10,000 Deductible 1930 12 Fiber-Cement Siding No
2010 520,000 Shingles Roof 1,770 5 $500- $1000 Deductible 1580 12 Stone Siding yes
2002 585,000 Shingles Roof 2,180 3 > $10,000 Deductible 180 2 Brick siding No
1980 1,750,000 Slate Shingles Roof 4,750 5 $1000-$2500 Deductible 1840 10 Fiber-Cement Siding yes
1993 365,000 Wood Shake Roof 1,230 2 $5000 to $10,000 Deductible 600 9 Wood siding No
1993 1,155,000 Membrane Roof 3,140 4 > $10,000 Deductible 900 6 Vinyl siding No
2005 1,215,000 Slate Shingles Roof 4,130 5 $500- $1000 Deductible 3140 12 Brick siding No
2013 420,000 Asphalt Shingles Roof 1,420 3 $5000 to $10,000 Deductible 500 7 Wood siding No
2013 370,000 Membrane Roof 1,420 2 $5000 to $10,000 Deductible 150 2 Stone Siding yes
1994 450,000 Membrane Roof 1,430 3 $500- $1000 Deductible 110 1 Wood siding yes
1988 1,005,000 Membrane Roof 2,710 5 $5000 to $10,000 Deductible 1040 8 Wood siding No
2011 550,000 Asphalt Shingles Roof 1,780 2 $1000-$2500 Deductible 790 5 Stucco siding No
1999 1,160,000 Metal Roof 3,320 5 $500- $1000 Deductible 2140 12 Wood siding No
2006 490,000 Shingles Roof 1,400 3 $5000 to $10,000 Deductible 290 5 Vinyl siding yes
2008 580,000 Shingles Roof 1,740 3 > $10,000 Deductible 940 10 Vinyl siding No
2001 760,000 Composition Roof 2,110 3 > $10,000 Deductible 620 8 Wood siding No
1993 320,000 Composition Roof 1,110 2 $1000-$2500 Deductible 610 12 Stucco siding No
1989 540,000 Asphalt Shingles Roof 1,710 2 $1000-$2500 Deductible 1190 12 Stucco siding yes
1985 1,070,000 Metal Roof 3,110 4 > $10,000 Deductible 1510 12 Wood siding No
1994 500,000 Membrane Roof 1,410 2 $2500-$5000 Deductible 530 7 Fiber-Cement Siding No
2011 510,000 Composition Roof 1,510 3 > $10,000 Deductible 80 1 Wood siding yes
1998 405,000 Metal Roof 1,210 2 $1000-$2500 Deductible 780 10 Fiber-Cement Siding yes
1984 380,000 Metal Roof 1,370 2 > $10,000 Deductible 280 4 Stucco siding yes
2012 540,000 Tile Roof 1,790 4 $1000-$2500 Deductible 1040 9 Vinyl siding No
2013 350,000 Metal Roof 1,190 2 $500- $1000 Deductible 300 4 Fiber-Cement Siding No
1984 415,000 Tile Roof 1,450 2 $2500-$5000 Deductible 70 1 Fiber-Cement Siding No
2014 775,000 Tile Roof 2,070 4 $500- $1000 Deductible 1530 10 Fiber-Cement Siding yes
1984 905,000 Wood Shake Roof 2,560 4 $5000 to $10,000 Deductible 480 4 Stucco siding No
2011 670,000 Shingles Roof 1,870 5 $2500-$5000 Deductible 420 5 Stone Siding yes
2011 930,000 Membrane Roof 2,650 4 > $10,000 Deductible 490 5 Brick siding yes
1981 595,000 Composition Roof 1,740 2 $1000-$2500 Deductible 140 1 Fiber-Cement Siding yes
1988 1,075,000 Composition Roof 2,840 4 $5000 to $10,000 Deductible 1240 8 Brick siding yes

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