Check out the most popular Home Insurance agencies & companies in Santa Clara County, CA & compare the best quotes from them.
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.
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 - 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 - 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.
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% |
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 |
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 |
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 |
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 |
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 |
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 |
Allstate | Travelers | Nationwide | |
Median Home Value ($) | 886,640 | 786,640 | 826,640 |
Construction year | 1993 | 2001 | 2009 |
Home Coverage ($) | $400000-$500000 | $200000-$250000 | $300000-$350000 |
Total Premium ($) | $1351 | $729 | $988 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
GEICO | upto 21% |
Allstate | upto 16% |
Nationwide | upto 5% |
Travelers | upto 8% |