Santa Clara Insurance Rates:

Santa Clara, CA homeowners insurance is about $566 to $766, about $47-$63/month. Our all inclusive analysis indicates shoppers can save as much as $266 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

I would recommend allstate because the policy is just as good as anyone else if not better and the service and attentiveness we have recieved from them make it worth every dollar.
I have never had to use my insurance but I'm glad it's there. I was able to get it set up quickly with a phone call and I pay annually via their website.
I was able to get a good quote that was realistic and affordable, yet it covered all of my needs.
I would recommend Progressive Home Insurance to people I know. They are a lower cost insurance company.They also have a lot of options when it comes to policies and coverages, and have good customer service.
We have not had any experience making claims, but our experience purchasing our home insurance was fairly positive. I would be willing to go through the process again.
Just like the policy offerings, the premium and deductible of my company is the nearly the same as other companies. I am not paying too much but I am also not getting any kind of deal.
First American Home Warranty
My insurance company is so expensive. i wish that i could pay less for the services offered.
State Farm
my home insurance company's customer service a 4 out of 5.Luckily, my family has not had to deal with the company for any insurance issues thus far. any time we have needed questions answered the customer service has been great.
I like allstate because it has the best commercials on how to sell the product. the commercials are what turned me toward their service.
State Farm
They are such a big company that i don't know if my business really matters and that makes me a little nervous should i ever need them.
They've been very communicative about our coverage and we have not had any issues with our account. I can safely say that I am very satisfied with my coverage and communication.
Farmer's Insurance
My agent is always available and very helpful. The few times I’ve had questions, I’ve never had to wait long for him to get back to me. At one point, when I couldn't make it into the office to sign papers, he dropped everything and came to me to explain my policy and get my signatures.
I am satisfied with my company. They are pleasant to deal with and offer a wide range of services. I have never had a real issue with them and I believe that if something bad ever happens with my home, they will protect us and give us the money we need.
State Farm
I haven't had to have a whole lot of communication with them and that is how I like it. I don't want to be bothered by a company.
Customer service can be hard to reach sometimes. They get very busy and it can sometimes take a very long time to reach someone.
Liberty Mutual
I like that I can change my coverage online anytime I feel I need to make a change. It is an easy monthly deduction from my checking out. Price is also good.
State Farm
My only dislike for the company is the website. It never updates or changes the main page, still showing a stupid, boring picture.
I would recommend Allstate as they have a solid claims department that typically is able to handle everything in a speedy manor. With a number of local agents nearby, a person would have little trouble working with someone they like.
Liberty Mutual
I would recommend Liberty Mutual. The times that I have needed to interact with them, I was able to make contact quickly and was treated with respect. Information asked was clearly reviewed and explained.
I would recommend this company for sure, the company itself is wonderful, great prices, great customer service, and a great policy. I have no major complaints with them.
Liberty Mutual
I consider that despite all the details the price range that I pay is fair since it is economical and offers a lot, I think it's fine for the price
Farmer's Insurance
The company in my mind provides good quality insurance through the use of covering many aspects of damage and liability that other companies may not cover and through the use of good lawyers who will work for you through the company if ever needed.
State Farm
Overall my insurance company has been good to work with and I feel comfortable having them insure my home. I used to have this company provide insurance on my vehicles as well, but I found better deals somewhere else. The house insurance remains with them just because they are familiar with everything and I have had them for many years.

Santa Clara, CA Homeowners Insurance By Home Value

Santa Clara, CA Home Value Total Homes % of Total Average Santa Clara, CA Homeowners Insurance
Less than $50,000 147 5.0% $26
$50,000 to $59,999 42 1.0% $53
$60,000 to $69,999 48 1.0% $66
$70,000 to $79,999 41 1.0% $79
$90,000 to $99,999 44 1.0% $99
$100,000 to $124,999 40 1.0% $113
$125,000 to $149,999 91 3.0% $146
$150,000 to $174,999 39 1.0% $173
$175,000 to $199,999 96 3.0% $199
$200,000 to $249,999 263 9.0% $239
$250,000 to $299,999 387 14.0% $293
$300,000 to $399,999 1,443 53.0% $372

Top Home Insurance Agents Near Santa Clara, CA

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

Santa Clara, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Santa Clara, CA

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

Santa Clara, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Clara$99 to $102
San Jose$100

Santa Clara, 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
Sunnyvale city, California $102 $136 $204
San Jose CCD, Santa Clara County, California $101 $134 $201
Fruitdale CDP, California $99 $132 $198

Santa Clara, 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
Santa Clara, CA1.9%14.0%
San Jose1.81%9.79%

Santa Clara Renters Insurance as a Percentage of Rent

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

Average Cost Of Home Insurance By Company In Areas Nearby Santa Clara For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewLiberty Ins Corp402
300000500NewPrivilege Underwriters Exch1246
300000500NewUniversal North America396
4000001000NewLiberty Ins Corp546
7500002500NewStillwater Ins Co560
1500005001-3 YearsHorace Mann P & C326
1500005001-3 YearsPrivilege Underwriters Exch675
25000010001-3 YearsHartford (Sentinel)436
25000010001-3 YearsMAPFRE Group380
3000005001-3 YearsCalifornia Capital596
3000005001-3 YearsHomesite768
40000010001-3 YearsSafeco686
50000010001-3 YearsTravelers595
50000025001-3 YearsFirst American Ins842
50000025001-3 YearsStillwater Ins Co474
1500005004-6 YearsAmica Mutual480
1500005004-6 YearsHomesite578
25000010004-6 YearsOregon Mutual526
3000005004-6 YearsCalifornia Casualty708
50000010004-6 YearsPacific Property And Casualty596
1500005007-15 YearsFirst American Ins475
2000005007-15 YearsFirst American Ins615

Santa Clara, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Santa Clara, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Santa Clara Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmChubb Group of InsuranceLiberty Mutual
Monthly Premium 5559162
Year Built 201419771987
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $350000-$400000$400000-$500000$700000-$800000
Deductible > $10,000 Deductible> $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Santa Clara, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 485,000 Metal Roof 1,780 3 $500 Deductible 580 6 Stucco siding No
1981 480,000 Metal Roof 1,490 3 $500- $1000 Deductible 110 1 Brick siding yes
1967 470,000 Wood Shake Roof 1,650 2 $500- $1000 Deductible 1150 9 Stucco siding yes
1983 955,000 Membrane Roof 3,440 5 $2500-$5000 Deductible 1230 8 Brick siding yes
1989 545,000 Tile Roof 1,610 2 > $10,000 Deductible 90 1 Vinyl siding No
1969 1,365,000 Composition Roof 4,280 5 $1000-$2500 Deductible 380 2 Brick siding yes
1974 660,000 Shingles Roof 1,980 3 $2500-$5000 Deductible 150 1 Vinyl siding yes
1962 410,000 Composition Roof 1,580 2 $500- $1000 Deductible 880 9 Fiber-Cement Siding No
1960 425,000 Membrane Roof 1,410 2 $2500-$5000 Deductible 190 2 Wood siding yes
1969 485,000 Metal Roof 1,690 3 $1000-$2500 Deductible 1450 12 Wood siding yes
1988 460,000 Wood Shake Roof 1,340 3 $1000-$2500 Deductible 1150 12 Stucco siding yes
2010 1,320,000 Shingles Roof 4,460 5 $5000 to $10,000 Deductible 180 1 Fiber-Cement Siding yes
2010 1,250,000 Slate Shingles Roof 4,560 5 $500 Deductible 2500 10 Stone Siding yes
2013 445,000 Membrane Roof 1,290 3 $1000-$2500 Deductible 420 5 Stucco siding No
2013 350,000 Wood Shake Roof 1,150 2 > $10,000 Deductible 150 4 Stucco siding yes
1962 600,000 Shingles Roof 2,110 3 > $10,000 Deductible 90 1 Fiber-Cement Siding No
1981 480,000 Shingles Roof 1,450 3 $500 Deductible 520 5 Vinyl siding yes
1985 1,215,000 Membrane Roof 4,820 5 > $10,000 Deductible 1230 8 Fiber-Cement Siding No
2012 1,205,000 Shingles Roof 4,240 5 $500 Deductible 2000 10 Brick siding No
1982 760,000 Metal Roof 3,010 4 > $10,000 Deductible 500 6 Vinyl siding No
1982 545,000 Composition Roof 1,980 3 $500 Deductible 370 4 Wood siding No
1984 520,000 Shingles Roof 1,890 4 $500- $1000 Deductible 1120 8 Stucco siding No
1975 370,000 Composition Roof 1,510 3 $1000-$2500 Deductible 700 8 Vinyl siding No
2013 820,000 Composition Roof 3,260 4 $2500-$5000 Deductible 560 3 Vinyl siding No
2014 525,000 Composition Roof 2,230 4 $2500-$5000 Deductible 450 5 Vinyl siding yes
1984 695,000 Metal Roof 2,400 4 $1000-$2500 Deductible 1840 10 Vinyl siding yes
1970 635,000 Slate Shingles Roof 2,250 4 $2500-$5000 Deductible 800 6 Wood siding No
1969 485,000 Slate Shingles Roof 2,070 4 > $10,000 Deductible 130 2 Vinyl siding No
1970 455,000 Composition Roof 1,430 3 $500 Deductible 410 3 Fiber-Cement Siding No
1972 1,505,000 Shingles Roof 4,980 5 $500 Deductible 230 1 Stucco siding yes
1969 370,000 Composition Roof 631 1 $500- $1000 Deductible 720 7 Brick siding yes

How To Make Your Santa Clara, CA Home Insurance Cheaper

How Much Does Santa Clara, CA Home Insurance Cost?