Santa Clara ,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 Santa Clara, 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 Santa Clara, CA is $1512. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Santa Clara, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Clara, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $605 |
| $200,000 | $1,028 |
| $300,000 | $1,270 |
| $400,000 | $1,935 |
| $500,000 | $2,434 |
Home insurance costs in Santa Clara can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 095051 | $1,454 |
| 95054 | $1,441 |
| 95050 | $1,428 |
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 Santa Clara, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,550 |
| $1000 Deductible | $1,387 |
| $1500 Deductible | $1,308 |
| $2500 Deductible | $1,179 |
| $5000 Deductible | $998 |
| Home Insurance Company Near Santa Clara, CA | Homeowners Insurance Agency Near Santa Clara, CA | Address |
|---|---|---|
| NA | Abd Insurance And Financial Services, Inc. | 3 Waters Park Drive, Suite 100 San Mateo, San Mateo, CA, 94403 |
| Allstate | Andrew Bricca | 391 Taylor Blvd Ste 150, Pleasant Hill, CA, 94523 |
| Travelers | Bishop-Lusink Insurance Agency | 630 MONTEREY ST, HOLLISTER, CA, 95023 |
| State Farm | Debra O'Farrell | 870 Market Street, San Francisco, CA, 94102-3018 |
| State Farm | Jim Dwyer | 1501 El Camino Real Ste G, Belmont, CA, 94002-3946 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Sunnyvale city, California | $102 | $136 | $204 |
| San Jose CCD, Santa Clara County, California | $101 | $134 | $201 |
| Fruitdale 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 |
|---|---|---|
| Santa Clara, CA | 1.9% | 14.0% |
| Sunnyvale | 1.91% | 10.14% |
| San Jose | 1.81% | 9.79% |
| Fruitdale | 2.36% | 11.96% |
| Santa Clara Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 311 | 1.0% | $1214 |
| $500 to $749 | 632 | 2.0% | $1889 |
| $750 to $999 | 2,037 | 9.0% | $2639 |
| $1,000 to $1,499 | 7,466 | 33.0% | $3764 |
| $1,500 or more | 11,537 | 52.0% | $5414 |
| Streets in Santa Clara Area | Homeowners Insurance Cost |
|---|---|
| Sloat Ct, Gillmor St, Ave de Lago, Redwing Ave, Kohner Ct, E Maude Ave, Alvarado Dr, London Ave, Yale Ln, Avila Ave | $701 |
| Machado Ave, Lick Mill Blvd, Arguello Pl, Klamath Ave, Inglewood Dr, Palm View Pl, Lick Mill Blvd, N Henry Ave, Snively Ave, Raney Ct | $667 |
| Miraverde Ct, Teal Dr, Bella Vista Ct, Mission College Blvd, Santa Maria Ave, Berry Way, N Murphy Ave, Jonathan St, Goodfellow Pl, Demaret Dr | $674 |
| Madera Dr, Mission Glen Dr, N Monroe St, Midas Way, Liberty St, Kington Pl, Navarro Dr, Icefield Ct, Michael Way, Willett Pl | $671 |
| Henning Pl, Elizabeth Way, de la Cruz Blvd, Oxford Ct, Rockhurst Ct, Shamrock Ave, Ave de Los Alumnos, Soleil Ct, Briarwood Dr, Rayanna Ave | $668 |
| Sunlite Dr, Betsy Ross Dr, Lawrence Ct, Wilson Ct, Agate Ct, Gazdar Ct, Landslide Ct, Karina Way, Vallco Pkwy, Macedo Pl | $701 |
| Dorcich St, Cameron Way, Bond Pl, Northwestern Pkwy, de la Cruz Blvd, Cll del Mundo, Montgomery Dr, Higgins Ave, Laurelwood Rd, Tuliptree Ln | $639 |
| Cottonwood Ct, Sherwood Ave, Mark Ave, Macgregor Ln, Hayes Ave, Meadowlark Ave, Scanlan Pl, Keith Ln, Kingsbury Cir, Henderson Ave | $650 |
| Merrill Pl, Circle Dr, Addison Pl, Lillick Dr, Rosalia Ave, Perreira Dr, Fresno St, Spoonbill Way, Sunny Vista Dr, Hope Dr | $701 |
| Victor Ct, Rebeiro Ave, Panelli Pl, Madison St, Sage Hen Way, Clair Ct, Long St, Baird Ave, Bonita Ave, Molinaro St | $652 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Santa Clara | $99 to $102 |
| Sunnyvale | $102 |
| San Jose | $100 |
| Fruitdale | $99 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Liberty Ins Corp | 402 |
| 300000 | 500 | New | Privilege Underwriters Exch | 1246 |
| 300000 | 500 | New | Universal North America | 396 |
| 400000 | 1000 | New | Liberty Ins Corp | 546 |
| 500000 | 2500 | New | Safeco | 517 |
| 750000 | 2500 | New | Stillwater Ins Co | 560 |
| 150000 | 500 | 1-3 Years | Horace Mann P & C | 326 |
| 150000 | 500 | 1-3 Years | Privilege Underwriters Exch | 675 |
| 250000 | 1000 | 1-3 Years | Hartford (Sentinel) | 436 |
| 250000 | 1000 | 1-3 Years | MAPFRE Group | 380 |
| 300000 | 500 | 1-3 Years | California Capital | 596 |
| 300000 | 500 | 1-3 Years | Homesite | 768 |
| 400000 | 1000 | 1-3 Years | Safeco | 686 |
| 500000 | 1000 | 1-3 Years | Travelers | 595 |
| 500000 | 2500 | 1-3 Years | First American Ins | 842 |
| 500000 | 2500 | 1-3 Years | Stillwater Ins Co | 474 |
| 150000 | 500 | 4-6 Years | Amica Mutual | 480 |
| 150000 | 500 | 4-6 Years | Homesite | 578 |
| 250000 | 1000 | 4-6 Years | Oregon Mutual | 526 |
| 300000 | 500 | 4-6 Years | California Casualty | 708 |
| 500000 | 1000 | 4-6 Years | Pacific Property And Casualty | 596 |
| 150000 | 500 | 7-15 Years | First American Ins | 475 |
| 200000 | 500 | 7-15 Years | First American Ins | 615 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $3,800 |
| Yearly Santa Clara Homeowner Insurance Premium Example | $1,400 | $1,000 |
| Out of Pocket Expense During Claim | $1,800 | $3,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $13,000 | $11,800 |
| Net Savings to Santa Clara Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Santa Clara, CA Home Replacement Value MORE than Home Value | Santa Clara, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $687,000 | $417,000 |
| Insurance Premium based on Replacement Value | $2,125 | $1,300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $170,000 | Risk Exposure from Under Insuring Coverage is $100,000 |
| Premium Impact | Insurance cheaper by $300/year | Insurance costlier by $525/year |
| Insurance Company | State Farm | Chubb Group of Insurance | Liberty Mutual |
| Monthly Premium | 55 | 59 | 162 |
| Year Built | 2014 | 1977 | 1987 |
| Home Details | 3 Beds, 1 Baths | 2 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $350000-$400000 | $400000-$500000 | $700000-$800000 |
| Deductible | > $10,000 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |