Check out the most popular Home Insurance agencies & companies in San Jose, CA & compare the best quotes from them.

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Discounts Available on Home Insurance In San Jose, CA

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.

Discounts_Available_on_Home_Insurance_In_San_Jose_CA

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.

Discounts_Available_on_Home_Insurance_In_San_Jose_CA

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.

Discounts_Available_on_Home_Insurance_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.

Top Home Insurance Companies 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%

Top Allstate Home Insurance Agents in San Jose, CA

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

Top Travelers Home Insurance Agents in San Jose, CA

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
Advantage Arizona Insurance Services Llc 1000 Broadway Ste 270
www.advantageazins.com 94607-4090
510-834-3634
Email:rsmith@advantageazins.com
Golden Heritage Advisors 295 89Th St Ste 103
94015
(650) 301-1678
Email:craig@mygoldenheritage.com
Countryside Insurnce Agency Llc 1405 Huntington Ave
www.gibsoninsurancegroup.com 94080-5965
650-692-1500
Email:COUNTRYSIDEINSURANCE@CENTURYLINK.NET
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
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

Top GEICO Home Insurance Agents in San Jose, CA

Homeowners Insurance Agents Agent Address Contact Details
Rod Musslewhite 425 Harbor Blvd Ste E
94002
(650) 638-1797
Email:rmusslewhite@geico.com
Ernie Lewelling 2136 Ringwood Ave
95131
(408) 383-0808
Email:elewelling@geico.com

Top Nationwide Home Insurance Agents in San Jose, CA

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
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
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

Top Liberty Mutual Home Insurance Agents in San Jose, CA

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
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
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

San Jose, CA Homeowners Complaint Ratio By Companies

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

Homeowners Insurance Comparison for the Cheapest Premiums in San Jose, CA

NationwideGEICOAllstate
Median Home Value ($) 805,640825,640825,640
Construction year 199419721990
Home Coverage ($) $500000-$600000$350000-$400000$400000-$500000
Total Premium ($) $1024$792$777

San Jose, CA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 17%
Travelers upto 6%
GEICO upto 23%
Nationwide upto 11%
Liberty Mutual upto 16%