Top 5 Home Insurance Companies in San Ramon, CA
Check out the most popular Home Insurance agencies & companies in San Ramon, CA & compare the best quotes from them.
Cost of Homeowners Insurance in San Ramon, CA
The average cost of homeowners insurance in San Ramon, CA, is $1551.825. Life hurls many curveballs, especially when you own a home. Homeowners in California are at risk of extreme weather and natural disasters. By availing of home insurance in San Ramon, CA, homeowners can stay assured that they are covered in the time of need.
Homeowners insurance in San Ramon, CA, offer a variety of benefits, from insuring your house and belongings to covering the expenses of accidents on your property. With all this protection, you’ll rest easy knowing that your home – and family – is secure. Before purchasing home insurance in San Ramon, CA, look at the insurance quotes offered by different home insurance companies in San Ramon.
Factors affecting home insurance in San Ramon, CA:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
Homeowners insurance in San Ramon, CA - Rates by coverage level
Many factors determine the premiums charged for home insurance in San Ramon, California. One of them is the coverage level opted by the homeowner. Coverage includes the cost of repairing or rebuilding your home if damaged or destroyed during unforeseen circumstances. There are varying levels of coverage, so you can find one to protect whatever is most significant. For instance, homeowners opting for $200K coverage pay $380 on home insurance in San Ramon, CA.
Refer to the chart below to know the cost of home insurance in San Ramon, CA, based on the coverage level.
Homeowners insurance in San Ramon, CA - Rates by deductibles
Your homeowner's insurance deductible is the amount you're responsible for paying out of pocket before your insurance company will pay on a claim. Typically, you have the choice to set your deductible. The higher the deductible, the lower the home insurance rate. For example, homeowners who opted for a deductible of $1000 pay $1388 towards their home insurance in San Ramon, CA. Homeowners who opted for a deductible of 500 pay $1534 towards their home insurance in San Ramon, CA.
Homeowners insurance in San Ramon, CA - Rates by the age of the home
Insurance providers decide the insurance quotes depending on the home's age and condition. Insurance companies view older homes as riskier and expensive to insure because old homes tend to have more structural damage when compared to newly constructed homes. Therefore, homeowners with old houses pay higher home insurance rates than newly built homes. For example, houses that are 40 years old pay a premium of $1593 in San Ramon, CA, whereas newly built homes pay $1195 on homeowners insurance in San Ramon, CA.
Homeowners insurance in San Ramon, CA - Rates by the safety features
Homes installed with safety features can benefit from low home insurance rates in San Ramon, CA, as it reduces the risk of damage to the property. For instance, fire and smoke can rapidly spread throughout a home. An early alert can help you prevent the damage. Advanced sprinkler systems and smoke detectors can help you avoid significant damage to your home. Therefore, homeowners in San Ramon can avail discounts on home insurance rates. Homes equipped with sprinkler systems and smoke detectors pay $1382 and $1397, respectively, on homeowners insurance in San Ramon, CA.
Top Home Insurance Companies in San Ramon, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| GEICO | A++ | 13.8% |
| Liberty Mutual | A | 6.24% |
| Nationwide | A+ | 4.15% |
| Travelers | A++ | 3.18% |
Top Liberty Mutual Home Insurance Agents in San Ramon, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Robert Vaccaro | 1905 Hamilton Ave Fl 2 95125 |
(408) 377-8686 | ||
| Bill Gordon | 311 Miller Ave Ste A 94941-2897 |
415-383-3888 | ||
| Brian Kilpatrick | 12382 Sartga Snyvl Rd 95070-3084 |
408-861-1550 | ||
| Ian Williams | 1410 N MAIN ST 94596 |
925-934-6789 | ||
| Anthony Evans | 509 N L St 94551-2807 |
925-449-3500 | ||
| Paula J. Szymczak Cic | 1350 W Robinhood Dr Ste 3 95207 |
(209) 477-6215 | ||
| Rod Richardson | 1340 S De Anza Blvd Ste 203 95129 |
(408) 657-3919 | ||
| Robert Sopcak | 17680 Monterey Rd 95037 |
(408) 779-9542 | ||
| Thomas Johnson | 39159 Paseo Padre Pkwy 39159 Paseo Padre Pkwy 94538 |
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| Miguel Guizar Jr. | 200 N Almaden Blvd 3Rd Fl 95110 |
(866) 966-8928 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Mickey Hansford Brewington | 150 Executive Park Blvd Ste 4300 94134 |
(415) 657-2000 | ||
| Rogers & Goldbach Ins Assoc | 1650 Borel Pl Ste 121 94402 |
(650) 571-1171 | ||
| Meeder Insurance Llc | 800 South Broadway STE 103 94596 |
(925) 784-0659 | ||
| Charles Linwood Ferrell | 5988 Silver Crk Vly Rd Ste 60 95138-1077 |
408-238-0100 | ||
| Grove F&A Inc | 1017 Meridian Ave 95125 |
(408) 265-9100 | ||
| Lori J Zentz | 1650 S AMPHLETT BLVD #201 94402 |
650-655-2022 | ||
| Brad M Mclane Agency | 360 Kiely Blvd Ste 125 95129-1300 |
408-247-6800 | ||
| Arnold Allen Simpson | 164 N Bascom Ave Ste A 95128-1867 |
408-918-0877 | ||
| Andrew David Stephens | 580 California St Fl 16 94104-1037 |
415-283-3240 | ||
| Robertson Financial Group | 817 Mission Ave Ste 1b 94901 |
(415) 454-0100 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Ed Thrall | 1375 Locust St Ste 204 www.edthrall.com 94596 |
(925) 937-3000 | ||
| Bill Recchia | 2317 Buchanan Rd Ste B 94509-4403 |
925-778-3276 | ||
| Mike Hinegardner | 3585 Clayton Rd 94519 |
(925) 827-0510 | ||
| Ricardo Arbes | 2550 E Fremont St # 4b 95205 |
(209) 292-7912 | ||
| Marsha Goldsmith | 50 Sand Creek Rd Ste 310 www.marshagoldsmith.com 94513 |
(925) 315-7188 | ||
| Bob Deroche | 5246 Pirrone Ct Ste D 95368-9092 |
209-545-6044 | ||
| Chet Turner | 1530 Webster St Ste A www.chetturner.com 94533-4994 |
707-422-6777 | ||
| Ron Andre Jr | 830 Stewart Dr Ste 288 94085 |
(408) 736-5395 | ||
| Eleanor Mohammed | 2670 S White Rd Ste 125 www.yourcainsuranceagent.com 95148 |
(408) 223-3300 | ||
| Rod Dorman | 303 Hemlock Ave www.roddorman.com 94061 |
(650) 366-0469 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Ricardo Hagood | 430 W Lockeford St 95240 |
(209) 333-8080 Email:RHagood@geico.com |
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| Ernie Lewelling | 2136 Ringwood Ave 95131 |
(408) 383-0808 Email:elewelling@geico.com |
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| Rod Musslewhite | 425 Harbor Blvd Ste E 94002 |
(650) 638-1797 Email:rmusslewhite@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Rose & Kiernan Inc | 242 Marina Way Apt A www.rkinsurance.com 94801 |
(415) 515-0297 | ||
| 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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| Motes Insurance Agency Llc | 135 MAIN ST 21ST FL 94105 |
(415) 356-3900 | ||
| Peter J Zikos Insurance Agency Llc | 2044 Columbus Pkwy www.zikos.com 94510 |
(707) 745-3355 | ||
| Conrad Insurance Agency Inc | 20132 Stevens Creek Blvd. 95014 |
408-863-0000 Email:DOUG_CONRAD@OUTLOOK.COM |
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| Crosspointe Ins & Financial Services Llc | 35 West Main Avenue 95037-4525 |
408-779-6969 Email:josh.mushlock@crosspointeinsurance.com |
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| Rosato Agency Inc | 635 23rd St Ste A 94804 |
(510) 215-9288 | ||
| Coastal Insurors Inc | 455 Moraga Rd Ste A 94556-2912 |
925-631-0192 | ||
| Rose & Kiernan Inc | 13925 San Pablo Ave Ste 103 www.rkinsurance.com 94806 |
(510) 799-8400 Email:info@rkinsurance.com |
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| Ibc Insurance Agency Ltd | 1255 TREAT BLVD STE 300 www.ibc.com 94597 |
925-685-8833 Email:janismodesette@ibc.com |
| 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 Ramon, CA
| GEICO | State Farm | Liberty Mutual | |
| Median Home Value ($) | 927,420 | 867,420 | 927,420 |
| Construction year | 1990 | 2010 | 2011 |
| Home Coverage ($) | $350000-$400000 | $350000-$400000 | $400000-$500000 |
| Total Premium ($) | $941 | $906 | $1496 |
San Ramon, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Liberty Mutual | upto 15% |
| Nationwide | upto 10% |
| GEICO | upto 18% |
| Travelers | upto 9% |