Sunnyvale ,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 Sunnyvale, 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 Sunnyvale, CA is $1586. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Sunnyvale, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Sunnyvale, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $634 |
| $200,000 | $1,078 |
| $300,000 | $1,332 |
| $400,000 | $2,030 |
| $500,000 | $2,553 |
Home insurance costs in Sunnyvale 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 |
|---|---|
| 094087 | $1,611 |
| 94086 | $1,511 |
| 94089 | $1,246 |
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 Sunnyvale, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,626 |
| $1000 Deductible | $1,454 |
| $1500 Deductible | $1,372 |
| $2500 Deductible | $1,237 |
| $5000 Deductible | $1,047 |
| Home Insurance Company Near Sunnyvale, CA | Homeowners Insurance Agency Near Sunnyvale, CA | Address |
|---|---|---|
| Travelers | Clayton Ins Agcy Inc | 1731 TECHNOLOGY DR SUITE 250, SAN JOSE, CA, 95110 |
| Liberty Mutual Independent | Equity Risk Partners Inc | 456 MONTGOMERY ST 16TH FL, SAN FRANCISCO, CA, 94104 |
| State Farm | Spence Sealander | 3581 Mt Diablo Blvd Ste 225, Lafayette, CA, 94549-8306 |
| Travelers | Twfg Insurance Services Inc | 39812 MISSION BLVD STE 101, FREMONT, CA, 94539 |
| State Farm | Wayne Weathers | 35 Bayhill Shopping Center, San Bruno, CA, 94066-2901 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Mountain View city, California | $86 | $115 | $172 |
| Santa Clara city, California | $83 | $111 | $166 |
| Los Altos city, California | $91 | $121 | $181 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Sunnyvale, CA | 1.9% | 10.1% |
| Mountain View | 1.76% | 9.21% |
| Santa Clara | 1.9% | 13.98% |
| Los Altos | 1.51% | 6.96% |
| Sunnyvale Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 459 | 1.0% | $1207 |
| $500 to $749 | 498 | 1.0% | $1882 |
| $750 to $999 | 1,509 | 5.0% | $2632 |
| $1,000 to $1,499 | 10,424 | 37.0% | $3757 |
| $1,500 or more | 14,549 | 52.0% | $5407 |
| Streets in Sunnyvale Area | Homeowners Insurance Cost |
|---|---|
| Egret Dr, San Andreas Ct, Parrot Ave, Lautrec Ter, Franchere Pl, Grosbeak Ave, Willow Ave, Bonita Ave, Northcove Sq, Sunrose Ter | $668 |
| Arques Ave, Duvall Ct, Saco Ter, N Wolfe Rd, Grackle Way, Molino Ave, Alderwood Ave, S Cascade Ter, Nothwind Sq, E Weddell Dr | $646 |
| S Mathilda Ave, Mistaya Ct, Painted Rock Dr, Azure St, Amherst Ct, Logan Ct, Reed Ter, Riesling Ter, Palmetto Dr, Waverly Pl | $None |
| Braddale Ave, Harvard Ave, Olivera Ter, Autumn Ln, Prune Tree Ln, Marinovich Way, Garland Ave, Duane Ct, W Remington Dr, Pepper Ave | $None |
| Berwick Way, Orchid Dr, W Hendy Ave, Kildare Ave, Grand Fir Ave, Calabazas Blvd, Berry Ave, Pacific Dr, Pine Ave, Fallen Leaf Ln | $670 |
| Cassia Way, Dartshire Ct, Runnymeade Ct, Siesta Dr, Arran Ct, Paintbrush Dr, Oracle Oak Pl, Molucca Ter, Schubert Dr, Olivewood St | $None |
| Saint Lawrence Dr, Wabash St, Eureka Ave, Morningside Dr, Ositos Ave, Parkland Ct, Ashcroft Way, Litchfield Pl, Eagle Dr, Selo Dr | $667 |
| San Jule Ct, Angel Ave, Poplar Ave, Adonis Ct, Awalt Ct, Semiconductor Dr, Kamiah Way, Borregas Ave, Nuttal Oak Ct, Harwick Way | $658 |
| Newfoundland Dr, Ridgemont Dr, Larry Way, Redwing Ave, Arques Ave, Shady Oak Ln, Gonzaga Pl, Alberta Ave, 1st Ave, Colinton Way | $692 |
| Matadero Dr, Dexter Dr, Infinite Loop, Carol Lee Dr, Blackwood Ter, Fantail Ct, Socorro Ave, Lazaneo Dr, Peebles Pl, Henderson Ave | $None |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Sunnyvale | $101 to $104 |
| Mountain View | $103 |
| Santa Clara | $99 |
| Los Altos | $109 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Amco | 327 |
| 500000 | 1000 | New | Oregon Mutual | 764 |
| 500000 | 1000 | New | Pacific Specialty | 768 |
| 500000 | 2500 | New | Mercury Ins Group | 500 |
| 200000 | 500 | 1-3 Years | Travelers | 332 |
| 250000 | 1000 | 1-3 Years | Metropolitan Direct | 833 |
| 300000 | 500 | 1-3 Years | Chubb/Federal | 1402 |
| 400000 | 1000 | 1-3 Years | AIG Prop Cas | 1356 |
| 500000 | 1000 | 1-3 Years | AAA (Interinsurance Exchange) | 1015 |
| 500000 | 1000 | 1-3 Years | American Modern | 1571 |
| 500000 | 1000 | 1-3 Years | Bankers Standard | 1793 |
| 500000 | 2500 | 1-3 Years | Grange | 861 |
| 500000 | 2500 | 1-3 Years | Oregon Mutual | 670 |
| 150000 | 250 | 4-6 Years | Tokio Marine America | 145 |
| 150000 | 500 | 4-6 Years | Hartford (Sentinel) | 409 |
| 200000 | 500 | 4-6 Years | Farmers (Fire Ins) | 739 |
| 200000 | 500 | 4-6 Years | Universal North America | 389 |
| 400000 | 1000 | 4-6 Years | Wawanesa | 917 |
| 500000 | 1000 | 4-6 Years | AAA (Interinsurance Exchange) | 1279 |
| 150000 | 500 | 7-15 Years | Foremost Insurance | 658 |
| 200000 | 500 | 7-15 Years | CSAA Ins Exch | 726 |
| 250000 | 1000 | 7-15 Years | Hartford (Sentinel) | 613 |
| 300000 | 500 | 7-15 Years | Kemper | 777 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $2,700 |
| Yearly Sunnyvale Homeowner Insurance Premium Example | $1,900 | $1,500 |
| Out of Pocket Expense During Claim | $700 | $2,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $14,000 | $13,200 |
| Net Savings to Sunnyvale Home Owner from High Deductible Plan | $800 | |
| Scenario | Sunnyvale, CA Home Replacement Value MORE than Home Value | Sunnyvale, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $640,000 | $381,000 |
| Insurance Premium based on Replacement Value | $2,250 | $1,325 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $127,000 | Risk Exposure from Under Insuring Coverage is $132,000 |
| Premium Impact | Insurance cheaper by $475/year | Insurance costlier by $450/year |
| Insurance Company | GEICO Insurance | Farmers Insurance | Liberty Mutual |
| Monthly Premium | 121 | 184 | 151 |
| Year Built | 1968 | 1989 | 1994 |
| Home Details | 4 Beds, 3 Baths | 5 Beds, 4 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $700000-$800000 | $800000-$900000 | $800000-$900000 |
| Deductible | $5000 to $10,000 Deductible | $500 Deductible | $1000-$2500 Deductible |