Stanford Insurance Rates:

Stanford, CA homeowners insurance is approximately $618 to $835, about $51-$69/month. Our comprehensive guide indicates shoppers can save as much as $290 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Stanford, CA Homeowners Insurance By Home Value

Stanford, CA Home Value Total Homes % of Total Average Stanford, CA Homeowners Insurance
$200,000 to $249,999 11 26.0% $159
$300,000 to $399,999 31 73.0% $247

Top Home Insurance Agents Near Stanford, CA

Home Insurance Company Near Stanford, CA Homeowners Insurance Agency Near Stanford, CA Address
NA Fort Point Insurance Services, A Division Of Hub International Insurance Services Inc. 3 Embarcadero Center, Suite 560 San Francisco, San Francisco, CA, 94111
Liberty Mutual Independent Centurion Insurance Agency 7950 Blvd, Ste 100, Dublin, CA, 94568
Liberty Mutual Independent S A Nichols Insurance Services 20665 SANTA MARIA AVE, CASTRO VALLEY, CA, 94546
State Farm Walter Li 1329 Chestnut Street, San Francisco, CA, 94123-3105
Allstate Wing Hoang 510 N 1st St Ste 221, San Jose, CA, 95112

Stanford, 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
West Menlo Park CDP, California $91 $121 $181
Palo Alto city, California $91 $121 $181
Ladera CDP, California $91 $121 $181

Stanford, 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
Stanford, CA1.7%6.3%
West Menlo Park1.51%6.82%
Palo Alto1.51%8.2%
Atherton1.51%6.05%

Stanford Renters Insurance as a Percentage of Rent

Stanford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 73 3.0% $1856
$750 to $999 377 16.0% $2606
$1,000 to $1,499 897 40.0% $3731
$1,500 or more 884 39.0% $5381

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
15000025026-40 YearsEncompass740
15000025026-40 YearsSafeco492
150000500NewCSE Safeguard322
15000050016-25 YearsOregon Mutual573
2000005001-3 YearsAmica Mutual568
2000005004-6 YearsFirst American Ins516
2000005007-15 YearsAAA (Interinsurance Exchange)751
2000005007-15 YearsFarmers (Fire Ins)804
20000050016-25 YearsCSAA Ins Exch935
20000050016-25 YearsFirst American Ins627
20000050026-40 YearsBankers Standard2237
2500001000NewAIG Prop Cas1009
2500001000NewNationwide433
250000100026-40 YearsIDS Property Casualty663
250000100026-40 YearsTravelers530
2500005001-3 YearsWawanesa603
25000050016-25 YearsCalifornia Casualty886
25000050016-25 YearsSafeco678
25000050016-25 YearsUSAA657
25000050026-40 YearsChubb/Federal1473

Stanford, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Stanford Homeowner Insurance Premium Example $2,800$2,300
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $17,600$16,600
Net Savings to Stanford Home Owner from High Deductible Plan $1,000

Stanford, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Stanford, CA Home Replacement Value MORE than Home Value Stanford, CA Home Replacement Value LESS than Home Value
Replacement Value $1,170,000 $790,000
Insurance Premium based on Replacement Value $3,150 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $210,000 Risk Exposure from Under Insuring Coverage is $170,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $575/year

Example Stanford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualChubb Group of Insurance
Monthly Premium 22216898
Year Built 197619931969
Home Details 5 Beds, 3 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount More than 10000000More than 10000000$400000-$500000
Deductible $2500-$5000 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 845,000 Wood Shake Roof 1,820 3 $2500-$5000 Deductible 1570 9 Wood siding yes
2012 1,605,000 Wood Shake Roof 3,220 5 $2500-$5000 Deductible 860 4 Vinyl siding yes
1978 2,630,000 Metal Roof 4,890 5 $5000 to $10,000 Deductible 360 2 Stone Siding yes
1978 860,000 Asphalt Shingles Roof 1,710 2 $500- $1000 Deductible 1540 10 Stucco siding yes
1976 1,140,000 Shingles Roof 2,220 3 $1000-$2500 Deductible 1040 5 Wood siding No
1999 720,000 Slate Shingles Roof 1,790 4 $500 Deductible 1740 8 Stone Siding yes
2004 1,225,000 Shingles Roof 2,390 5 $1000-$2500 Deductible 1040 4 Brick siding No
1981 655,000 Slate Shingles Roof 1,680 4 $1000-$2500 Deductible 1060 8 Fiber-Cement Siding yes
1960 525,000 Composition Roof 1,260 3 $500 Deductible 1120 7 Brick siding No
1967 820,000 Metal Roof 1,600 2 $500 Deductible 510 2 Wood siding yes
2007 1,135,000 Shingles Roof 2,820 4 $2500-$5000 Deductible 460 2 Brick siding yes
1966 400,000 Composition Roof 960 2 > $10,000 Deductible 320 7 Stucco siding yes
1974 575,000 Composition Roof 1,110 2 $2500-$5000 Deductible 420 3 Vinyl siding yes
2001 770,000 Metal Roof 1,820 5 > $10,000 Deductible 500 5 Brick siding No
1981 905,000 Slate Shingles Roof 1,740 2 $5000 to $10,000 Deductible 180 1 Wood siding yes
1993 1,375,000 Wood Shake Roof 2,770 4 $500- $1000 Deductible 290 1 Wood siding No
2007 545,000 Slate Shingles Roof 1,320 3 $5000 to $10,000 Deductible 400 5 Wood siding No
1978 600,000 Wood Shake Roof 1,220 3 $2500-$5000 Deductible 80 1 Vinyl siding No
2010 740,000 Composition Roof 1,820 3 $500 Deductible 2330 10 Fiber-Cement Siding No
2000 1,195,000 Tile Roof 2,300 3 $5000 to $10,000 Deductible 260 2 Fiber-Cement Siding yes
1983 610,000 Composition Roof 1,270 2 > $10,000 Deductible 810 8 Brick siding yes
1966 810,000 Slate Shingles Roof 1,780 4 $500- $1000 Deductible 1020 7 Stucco siding No
2012 900,000 Tile Roof 1,860 5 $1000-$2500 Deductible 1580 10 Fiber-Cement Siding yes
1975 895,000 Shingles Roof 2,080 3 $2500-$5000 Deductible 670 5 Fiber-Cement Siding No
1978 480,000 Asphalt Shingles Roof 1,170 2 $500 Deductible 950 8 Vinyl siding No
1979 1,515,000 Slate Shingles Roof 3,220 5 > $10,000 Deductible 130 1 Wood siding yes
1990 1,615,000 Shingles Roof 4,470 5 > $10,000 Deductible 1510 9 Stucco siding yes
1986 1,120,000 Metal Roof 2,330 5 $500 Deductible 240 1 Vinyl siding No
2006 1,030,000 Membrane Roof 2,400 3 $1000-$2500 Deductible 990 5 Vinyl siding yes
2003 750,000 Composition Roof 1,440 2 $5000 to $10,000 Deductible 450 3 Fiber-Cement Siding yes
1970 1,495,000 Composition Roof 3,600 5 > $10,000 Deductible 1220 9 Stone Siding No
2013 1,280,000 Wood Shake Roof 2,380 5 $500 Deductible 2080 10 Stone Siding No
1985 1,150,000 Composition Roof 2,490 4 > $10,000 Deductible 950 8 Fiber-Cement Siding yes
2014 725,000 Tile Roof 1,390 3 $500 Deductible 1870 12 Stone Siding yes