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Homeowners Insurance in Santa Clara County, CA

The average cost of home insurance in Santa Clara County, CA, is $1506.6. Homeowner's insurance safeguards you against damage to your property due to accidents, fire, or any other events. A homeowners policy offers comprehensive coverage that can protect you from any damages, including replacing a broken window or lock for a homeowner living in an apartment. It helps you feel more secure, knowing your possessions are protected from fire, flood, and vandalism.

Policyholders often don't realize that their primary home insurer is writing the policy for their entire home and may not give the best policy parameters that can help a homeowner protect their assets. Therefore, it is essential to compare policies from different companies after doing some research. The top companies that provide homeowners insurance in Santa Clara County, CA, are listed below.

Homeowners_Insurance_in_Santa_Clara_County_CA

Factors affecting home insurance in Santa Clara County, CA:

1. Home insurance rates by coverage levels 

2. Home insurance rates by deductibles

3. Home insurance rates by materials used

4. Home insurance rates by the number of claims

Homeowners insurance in Santa Clara County - Rates by coverage levels

Home insurance helps protect your house and possessions. Homeowner's insurance covers the structure of your home, such as walls and roofs. In addition, it covers your personal property inside the house, such as clothes, furniture, and appliances. Some homeowner's insurance policies cover the replacement cost if it is damaged by fire or other reason.

Refer to the chart below to comprehend the cost of home insurance in Santa Clara County, CA, based on the coverage limit opted by the homeowners.

Homeowners_Insurance_in_Santa_Clara_County_CAHomeowners insurance in Santa Clara County - Rates by deductibles

Deductible in a home insurance policy means the total amount you need to pay before your insurance company starts making a claim payment on your behalf. Most homeowners know that if they want their coverage to cover a damaged item beyond what the insurance policy covers, they will have to pay for the damage for each claim out of their pocket.

For example, if you have a $1000 home insurance deductible and file a claim for water damage to your hardwood floors, you will pay the first $1000 of repair or replacement costs. Your insurance company pays the rest.

Homeowners who choose to pay a low deductible have to pay a higher premium. Homeowners in Santa Clara County, CA, typically choose to pay a deductible of 1000 and 1500, where the premium charged is $1347 and $1268, respectively.

Homeowners_Insurance_in_Santa_Clara_County_CAHomeowners insurance in Santa Clara County - Rates by the materials used

From walls to window frames to roof shingles, the materials opted for a particular structure; everything in a home reflects the homeowner's personality. Materials used to construct your home also reduce home insurance costs in Santa Clara County, CA. For instance, homeowners who use Masonry and Superior brick materials to build their homes pay $1432 and $1356, respectively, on homeowners insurance in Santa Clara County, CA.

Homeowners insurance in Santa Clara County - Rates by the number of claims

Claims are crucial to protecting your home and investment. This may include theft loss or damage from a storm or a fire. You'll want to file a claim to protect your covered risks, but filing a claim can also increase your premium. For instance, policyholders with zero claims can purchase their policy for as low as $1326 in Santa Clara County. The premium is higher for policyholders with one or two claims. Homeowners pay around $1613 and $1688, respectively, on their homeowner insurance in Santa Clara County, CA.

Top Home Insurance Companies in Santa Clara County, CA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 17.56%
GEICO A++ 13.8%
Allstate A+ 5.91%
Nationwide A+ 4.15%
Travelers A++ 3.18%

Top State Farm Home Insurance Agents in Santa Clara County, CA

Homeowners Insurance Agents Agent Address Contact Details
Ed Gallis 2155 S Bascom Ave Ste 205
95008
(408) 371-6010
Rod Secrest 7337 Bollinger Rd Ste A
95014
(408) 996-7200
Rena Dipofi 309 Cherry Ln Ste 103
www.ourinsurancegirl.com 95337
(209) 824-7300
Corwin Robison Ii 1600 Sunrise Ave.
95350
209-575-5616
Pam Martin 401 FREMONT ST STE 100
www.pammartininsurance.com 93940
(831) 373-4925
David Strawhorn 3150 Crow Canyon Pl Ste 140
www.davidstrawhorn.com 94583
(925) 904-4800
Andrew Bebon 1419 Burlingame Ave Ste P
94010-4119
650-344-2541
Brian Glaeser 301 N Jackson Ave Ste 12
95133-2344
408-259-8826
Julia Chew 451 LOS GATOS BLVD 2ND FL
www.juliachew.com 95032
408-402-0400
Ron Andre Jr 830 Stewart Dr Ste 288
94085
(408) 736-5395

Top GEICO Home Insurance Agents in Santa Clara County, CA

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

Top Allstate Home Insurance Agents in Santa Clara County, CA

Homeowners Insurance Agents Agent Address Contact Details
Bryan Sponsler 4990 Speak Ln Ste 220
95118-2700
408-448-1611
Dianne Fitzgerald Cox 521 Charcot Ave Ste 109
95131
(408) 248-5212
J.E. Mike Bell 4713 FIRST ST STE 120
94566
510-633-0355
Ed Slutzky 510 N 1st St Ste 224
95112
(408) 993-9898
Daniel Sauer 921 E Alisal Street
93905-2607
831-422-1049
Robert Varich 4820 Harwood Rd Ste 150
95124
(408) 267-4044
Pat Egberts 3130 CROW CANYON PL STE 250
94583
(925) 866-1444
David Mclaughlin 6657 Thornton Ave
94560
(510) 794-7997
Jacek Szymczak 3160 CROW CANYON ROAD STE 290
94583
925-983-3270
Lee Mccasland 339 7TH ST STE L
95023
925-462-2111

Top Nationwide Home Insurance Agents in Santa Clara County, CA

Homeowners Insurance Agents Agent Address Contact Details
Brad M Mclane Agency 360 Kiely Blvd Ste 125
95129-1300
408-247-6800
David Hall Ins Agency Inc 38750 Paseo Padre Parkway
94536-6169
510-791-8611
Charles Linwood Ferrell 5988 Silver Crk Vly Rd Ste 60
95138-1077
408-238-0100
Lori J Zentz 1650 S AMPHLETT BLVD #201
94402
650-655-2022
Harold E Hagy 1675 Rollins Rd Ste F1
94010
(650) 777-9900
Robert W Grande 1264 Lincoln Ave Ste 100
95125
(408) 371-3000
Robert T Crow Iii 1972 Aborn Rd Fl 2n
95121
(408) 531-8153
Julia M Mantovi Agency Inc 750 E MCGLINCY LN STE 109
95008
408-626-7800
Patricia M Smith 931 MISSION ST
95060
(831) 423-4304
Daniel R Clair 1600 Sunrise Ave
95350
209-523-8037

Top Travelers Home Insurance Agents in Santa Clara County, CA

Homeowners Insurance Agents Agent Address Contact Details
Global Green Insurance Agency 43138 Christy St Ste 102
www.globalgreeninsuranceonline.com 94538
(510) 770-2280
Carl E Mellen & Co 2000 Freedom Blvd
www.carlmellen.com 95019-2834
831-763-4200
Email:ceminfo@carlmellen.com
Mosaic Insurance Alliance Llc 950 E BLANCO RD
www.mosaicia.com 93901
(831) 424-6404
Princeton Insurance Agency 1866 Countryside Dr
www.princetonins.com 95380
(209) 667-4455
Email:mail@princetonins.com
Acg South Insurance Agency Llc 3484 Stevens Creek Blvd Ste A
95117-1000
408-261-1623
Golsan Scruggs 26203 Production Ave Ste 12A
www.golsanscruggs.com 94545
(510) 266-0444
Compass Of California Insurance Services 3164 Campus Dr
94403-3123
650-345-5741
Email:jessica@compassofca.com
Jack A Miller Agency Inc 6906 VILLAGE PARKWAY
94568
925-829-8912
Email:jmilleragency@sbcglobal.net
Erickson Insurance Group 199 1st St Ste 328
94022
(650) 947-1600
Julian Agency Inc 1799 HAMILTON AVE STE 203
95125
408-267-7320

Santa Clara County, 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 Santa Clara County, CA

AllstateTravelersNationwide
Median Home Value ($) 886,640786,640826,640
Construction year 199320012009
Home Coverage ($) $400000-$500000$200000-$250000$300000-$350000
Total Premium ($) $1351$729$988

Santa Clara County, CA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 21%
Allstate upto 16%
Nationwide upto 5%
Travelers upto 8%