Check out the most popular Home Insurance agencies & companies in San Jose, CA & compare the best quotes from them.
The average price of home insurance in San Jose, CA, is $1520.1. Homeowners can rest assured that their property is safe and secure after buying homeowners insurance in San Jose, CA. San Jose is the cultural, economic, and political hub of Silicon Valley. It is one of the most thronged cities. Therefore, one must protect themselves and their home from perils like fire, theft, and vandalism. Homeowners insurance in San Jose, CA, covers the financial loss due to accidental damage and more.
But before taking a home insurance plan, homeowners must explore quotes offered by different home insurance companies in San Jose, CA. Here are a top home insurance companies offering home insurance in San Jose, CA, for reasonable rates.
Factors affecting home insurance in San Jose, CA:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by the age of the house
4. Home insurance rates by the safety features
Homeowners Insurance in San Jose, CA - Rates by coverage level
A standard home insurance policy will offer coverage against losses emerging due to damage to your house or possessions due to natural and human-made calamities. The coverage level may vary from one homeowner to another as it depends on the needs and budget of the homeowner. For example, homeowners who opt for a coverage level of $300K pay $737 on home insurance in San Jose, CA. In contrast, homeowners who opt for a coverage level of $100K pay $182 on home insurance in San Jose, CA
Refer to the chart below to know the applicable home insurance rates in San Jose, CA, based on the coverage level.
Homeowners Insurance in San Jose, CA - Rates by deductibles
Your deductible plays a vital role in paying home insurance claims, and homeowners must understand how they work to avoid shocks when filing a claim. Home insurance deductibles are the amount you pay out of pocket towards a claim. For example, if you have a deductible of $2,000 and a claim that costs $6,000, you would be accountable for the first $2,000, and your insurance firm would cover the remaining $4,000. Homeowners who opted for a deductible of $2000 pay $1162 towards their home insurance in San Jose, CA. Homeowners who opted for a deductible of 500 pay $1502 towards their home insurance in San Jose, CA. Hence, the higher the deductible, the lower the home insurance rates in San Jose, CA.
Homeowners Insurance in San Jose, CA - Rates by the age of the home
The age of your home is an important factor when looking for homeowners insurance in San Jose, CA. As your house ages, so do its component systems and materials. Therefore, old homes tend to pay more than newly constructed homes on home insurance in San Jose, CA. For example, homes that are 30 or 40 years old pay $1543 and $1560 on homeowners insurance in San Jose, CA. In contrast, newly built homes pay $1201 on homeowners insurance in San Jose, CA.
Homeowners Insurance in San Jose, CA - Rates by the safety features
Installing safety features can lower home insurance rates in San Jose, CA. This is because safety features decline the chances of injuries and lead to fewer insurance claims. Homes with safety features such as fire extinguishers, sprinkler systems, deadbolts, etc., can obtain the best San Jose home insurance rates. For example, homes equipped with fire extinguishers and deadbolts pay $1369 and $1308 on home insurance in San Jose, CA.
Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
---|---|---|
GEICO | A++ | 13.8% |
Liberty Mutual | A | 6.24% |
Allstate | A+ | 5.91% |
Nationwide | A+ | 4.15% |
Travelers | A++ | 3.18% |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Roger Vroegindewey | 635 Mariners Island Blvd Ste 212 94404 |
(650) 931-8620 | ||
Anthony Salazar | 15200 Hesperian Blvd Ste 102 94578-3955 |
510-278-4000 | ||
Andrew Rice | 16848 Alisal Ct 94580-1712 |
510-276-4127 | ||
Julian Davis | 1530 MERIDIAN AVE STE 101 95125 |
408-979-2245 | ||
Roger Farris | 123 10th St 94103 |
(415) 387-0700 | ||
Robert T. Knox | 2670 S White Rd Ste 90 95148 |
(408) 270-4029 | ||
Roscoe Bell | 4515 San Pablo Dam Rd Ste 4 94803 |
(510) 222-3678 | ||
Atlntc Pcfc Bell Gld | 1365 El Camino Real 94030-1410 |
650-697-5300 | ||
Palwinder Singh | 4685 TELEGRAPH AVE 94609 |
(510) 653-0685 | ||
Bryan Sponsler | 4990 Speak Ln Ste 220 95118-2700 |
408-448-1611 |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Nbt-Mang Insurance Agency | 3875 HOPYARD RD STE 240 www.manginsurance.com 94588 |
(925) 416-7862 Email:insure@manginsurance.com |
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Advantage Arizona Insurance Services Llc | 1000 Broadway Ste 270 www.advantageazins.com 94607-4090 |
510-834-3634 Email:rsmith@advantageazins.com |
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Golden Heritage Advisors | 295 89Th St Ste 103 94015 |
(650) 301-1678 Email:craig@mygoldenheritage.com |
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Countryside Insurnce Agency Llc | 1405 Huntington Ave www.gibsoninsurancegroup.com 94080-5965 |
650-692-1500 Email:COUNTRYSIDEINSURANCE@CENTURYLINK.NET |
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Claycomb-Dietz Ins Agency | 461 1st Ave 94401-3202 |
650-342-8857 | ||
B I C Brokerage Corp | 1153 Redmond Ave Ste C 95120-2779 |
408-927-7526 | ||
Feinman Insurance Inc | 2483 Old Middlefield Way www.feinmanins.com 94043 |
(650) 473-5146 Email:info@feinmanins.com |
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Roger Vance Wieland | 675 Mariners Island Blvd Ste 107 94404 |
(650) 212-2700 | ||
Motes Insurance Agency Llc | 135 MAIN ST 21ST FL 94105 |
(415) 356-3900 | ||
Big Springs Agency | 1104 Buchanan Rd Ste A1 94509-4214 |
925-754-3400 |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Rod Musslewhite | 425 Harbor Blvd Ste E 94002 |
(650) 638-1797 Email:rmusslewhite@geico.com |
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Ernie Lewelling | 2136 Ringwood Ave 95131 |
(408) 383-0808 Email:elewelling@geico.com |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Robert Vance Suggs Ii Agency | 1804 Mclaughlin Ave 95122 |
(408) 947-0265 | ||
Mickey Hansford Brewington | 150 Executive Park Blvd Ste 4300 94134 |
(415) 657-2000 | ||
Julia M Mantovi Agency Inc | 750 E MCGLINCY LN STE 109 95008 |
408-626-7800 | ||
William E Fedorko Agency Inc | 44 Montgomery St, Ste 1700 San\u00a0Francisco 94104 |
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Robert W Lee | 2180 Story Rd Ste 204 95122 |
(888) 727-3134 | ||
Rogers & Goldbach Ins Assoc | 520 S El Camino Real Ste 300 94402 |
(650) 342-6461 | ||
Spinning Ins Agency Inc | 50 California Street, Floor 12 San\u00a0Francisco 94111 |
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Andrew David Stephens | 580 California St Fl 16 94104-1037 |
415-283-3240 | ||
Meeder Insurance Llc | 800 South Broadway STE 103 94596 |
(925) 784-0659 | ||
Young Insurance Agency Inc. | 1330 S. Bascom Avenue San\u00a0Jose 95128 |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
David Diaz | 1153 Redmond Avenue, Suite C 95120 |
408-ANY-FARM | ||
Roger Edmond | 870 Market St Ste 780 94102 |
(415) 989-8688 | ||
Thomas Johnson | 39159 Paseo Padre Pkwy 39159 Paseo Padre Pkwy 94538 |
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Jacquelyn Toman | 1633-A S MAIN ST 95035 |
408-922-0600 | ||
Ian W Brown Lutcf | 800 S BROADWAY STE 101 94596 |
888-654-8884 | ||
Thomas Jones | 3370 Crestmoor Drive San\u00a0Bruno 94066 |
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Juli Ayers | 3333 SOQUEL DR STE A 95073 |
831-462-6900 | ||
Jaaron Wingo | 21988 FOOTHILL BLVD STE 102 94541 |
510-886-1610 | ||
Patrick Walker | 2975 TREAT BLVD STE D2 94518 |
(925) 687-6262 | ||
Alexander Pagola | 35 W Main Ave 95037-4525 |
408-779-6969 |
Home Insurance Company | Justified Complaint Ratio 2018 | Number of Justified Complaints 2018 | Justified Complaint Ratio 2017 | Number of Justified Complaints 2017 |
---|---|---|---|---|
Allstate | 1.7 | 11 | 2.4 | 16 |
Nationwide | 3.2 | 2 | 1.6 | 1 |
State Farm | 3.9 | 85 | 3.9 | 86 |
Liberty Mutual | 11.5 | 31 | 5.6 | 14 |
Nationwide | GEICO | Allstate | |
Median Home Value ($) | 805,640 | 825,640 | 825,640 |
Construction year | 1994 | 1972 | 1990 |
Home Coverage ($) | $500000-$600000 | $350000-$400000 | $400000-$500000 |
Total Premium ($) | $1024 | $792 | $777 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Allstate | upto 17% |
Travelers | upto 6% |
GEICO | upto 23% |
Nationwide | upto 11% |
Liberty Mutual | upto 16% |