How Can I Make My Hayward, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Hayward, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Hayward, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $101,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $230,000 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $255,000 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $366,500 | $300,000 | $350,000-$400,000 |
| 5 Bedroom | $458,500 | $430,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Hayward, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$221 | $1,250 |
| Superior Protection Discount | -$132 | $1,338 |
| Fire & Security Discount | -$162 | $1,309 |
| Hail Resistant Roof Discount | -$44 | $1,426 |
| Newly Constructed Home Discount | -$353 | $1,118 |
Choose the Right Deductible for your Hayward, CA Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Alameda County | $700 | $1,235 | $1,935 | $898 | $1,598 | $338 |
| Hayward, CA | $2,500 | $1,453 | $3,953 | $1,056 | $3,556 | $397 |
| Atherton, CA | $400 | $933 | $1,333 | $678 | $1,078 | $255 |
| Los Altos Hills, CA | $700 | $931 | $1,631 | $677 | $1,377 | $255 |
| Pacifica, CA | $200 | $1,368 | $1,568 | $994 | $1,194 | $374 |
| East Richmond Heights, CA | $2,500 | $1,311 | $3,811 | $953 | $3,453 | $358 |
| Martinez, CA | $200 | $1,350 | $1,550 | $981 | $1,181 | $369 |
| Loyola, CA | $700 | $815 | $1,515 | $592 | $1,292 | $223 |
| East Contra Costa, CA | $200 | $1,228 | $1,428 | $892 | $1,092 | $336 |
| Lompico, CA | $700 | $1,191 | $1,891 | $865 | $1,565 | $325 |
| Davenport, CA | $500 | $1,860 | $2,360 | $1,352 | $1,852 | $508 |
| Fetters Hot Springs-Agua Caliente, CA | $2,500 | $1,502 | $4,002 | $1,091 | $3,591 | $410 |
Identify Top Home Insurance Agents near Hayward, CA | Back to Top
| Home Insurance Company Hayward, CA | Homeowners Insurance Agency Hayward, CA | Address | Popularity Score | Distance from Hayward (miles) |
|---|---|---|---|---|
| State Farm | Marilyn Wong | 763 Polhemus Rd Fl 2, San Mateo, CA, 94402-3965 | 17.7 | |
| State Farm | Jerry Garcia | 15200 Hesperian Blvd Ste 102, San Leandro, CA, 94578-3955 | 2.6 | |
| State Farm | Yogi Chugh | 3650 Thornton Ave, Fremont, CA, 94536-7400 | 9.2 | |
| Farmers | Dwayne Lopes | 1250 45th St Ste 200, Emeryville, CA, 94608 | 15.1 | |
| State Farm | Hera Tong Gutierrez | 32145 Alvrdo Niles Rd Ste 205, Union City, CA, 94587-2930 | 6.1 | |
| State Farm | Barb Ellul | 7027 Dublin Blvd Ste 140, Dublin, CA, 94568-3018 | 9.4 | |
| State Farm | Ninna Chugh | 3650 Thornton Ave, Fremont, CA, 94536-7400 | 9.2 | |
| State Farm | Ken Ericson | 201 Macarthur Blvd, San Leandro, CA, 94577-2108 | 5.3 | |
| State Farm | Larry Damaser | 6473 Sierra Ln, Dublin, CA, 94568-2796 | 9.8 | |
| Travelers | Andreini & Company | 220 West Twentieth Avenue San Mateo, San Mateo, CA, 94403 | 15.4 |
Compare Rates for Hayward, CA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Alameda County, CA | $649,100 | $1,250 | $930 | $1,700 | $770 |
| Hayward, CA | $498,600 | $1,471 | $1,090 | $2,000 | $910 |
| Atherton, CA | $2,000,001 | $944 | $700 | $1,280 | $580 |
| Los Altos Hills, CA | $2,000,001 | $943 | $700 | $1,280 | $580 |
| Pacifica, CA | $740,700 | $1,384 | $1,020 | $1,880 | $860 |
| East Richmond Heights, CA | $450,000 | $1,327 | $980 | $1,800 | $820 |
| Martinez, CA | $505,400 | $1,366 | $1,010 | $1,860 | $850 |
| Loyola, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| East Contra Costa, CA | $433,900 | $1,243 | $920 | $1,690 | $770 |
| Lompico, CA | $426,100 | $1,205 | $890 | $1,640 | $750 |
| Davenport, CA | $663,200 | $1,883 | $1,390 | $2,560 | $1,170 |
| Fetters Hot Springs-Agua Caliente, CA | $506,500 | $1,520 | $1,120 | $2,070 | $950 |
Research Home Insurance Companies Reviews in Hayward, CA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 16, 2019 Age: Above 60 Gender: Female Marital Status: Married
Date: February 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Date: November 03, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: October 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 08, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: May 09, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: May 03, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: December 03, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Allstate Home Insurance Reviews
Date: July 20, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 02, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: September 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 05, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: August 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Farmer's Insurance Home Insurance Reviews
Date: August 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: June 10, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: May 09, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: May 05, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married
Liberty Mutual Home Insurance Reviews
Date: December 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
AAA Home Insurance Reviews
Date: November 28, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Safeco Insurance Home Insurance Reviews
Date: October 06, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried