Gavop's guide to buying homeowners insurance in Orinda, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $194,500 | $170,000 | $175,000-$200,000 |
| 2 Bedroom | $381,500 | $350,000 | $350,000-$400,000 |
| 3 Bedroom | $877,000 | $710,000 | $700,000-$800,000 |
| 4 Bedroom | $932,000 | $810,000 | $900,000-$1,000,000 |
| 5 Bedroom | $1,596,500 | $1,330,000 | More than 10,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$86 | $870 |
| Home and Two Car | -$163 | $794 |
| Home and Three Car | -$230 | $727 |
| 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 |
| Contra Costa County | $1,500 | $1,385 | $2,885 | $1,007 | $2,507 | $379 |
| Orinda, CA | $2,500 | $945 | $3,445 | $687 | $3,187 | $258 |
| San Leandro, CA | $200 | $1,308 | $1,508 | $951 | $1,151 | $357 |
| Benicia, CA | $1,000 | $954 | $1,954 | $693 | $1,693 | $261 |
| Tamalpais-Homestead Valley, CA | $200 | $929 | $1,129 | $675 | $875 | $254 |
| Union City, CA | $1,500 | $1,351 | $2,851 | $982 | $2,482 | $369 |
| Montara, CA | $300 | $2,284 | $2,584 | $1,660 | $1,960 | $624 |
| Livermore-Pleasanton, CA | $1,500 | $1,431 | $2,931 | $1,040 | $2,540 | $391 |
| Discovery Bay, CA | $300 | $985 | $1,285 | $716 | $1,016 | $269 |
| Napa County, CA | $2,500 | $1,466 | $3,966 | $1,066 | $3,566 | $401 |
| Angwin, CA | $100 | $1,159 | $1,259 | $842 | $942 | $317 |
| Santa Rosa, CA | $2,500 | $1,256 | $3,756 | $913 | $3,413 | $343 |
| Home Insurance Company Orinda, CA | Homeowners Insurance Agency Orinda, CA | Address | Popularity Score | Distance from Orinda (miles) |
|---|---|---|---|---|
| Farmers | Dwayne Lopes | 1250 45th St Ste 200, Emeryville, CA, 94608 | 6.9 | |
| State Farm | Daniel Lapicola | 1550 Parkside Dr Ste 110, Walnut Creek, CA, 94596-3532 | 6.2 | |
| Farmers | Siamak Bagheri | 420 Appian Way, El Sobrante, CA, 94803 | 9.3 | |
| State Farm | Hector Flamenco | 956 Main St, Redwood City, CA, 94063-1996 | 27.6 | |
| Travelers | Legacy Risk And Insurance Services Llc | 1850 Mt Diablo Blvd Ste 400, Walnut Creek, CA, 94596 | 6.1 | |
| State Farm | Stewart Oaten | 499 8th Ave, San Francisco, CA, 94118-3007 | 17.5 | |
| State Farm | Kwon Lee | 1251 Monument Blvd Ste 200, Concord, CA, 94520-4450 | 8.2 | |
| Liberty Mutual Independent | Tlb Insurance Services | 3000 Oak Rd Ste 210, Walnut Creek, CA, 94597 | 7.1 | |
| State Farm | Mary Bayley | 560 Park Street, Alameda, CA, 94501-6233 | 9.6 | |
| State Farm | Mike Wilson | 3685 Mt. Diablo Blvd, Lafayette, CA, 94549-3763 | 2.5 |
| 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 |
| Contra Costa County, CA | $522,300 | $1,402 | $1,040 | $1,910 | $870 |
| Orinda, CA | $1,221,800 | $956 | $710 | $1,300 | $590 |
| San Leandro, CA | $474,500 | $1,324 | $980 | $1,800 | $820 |
| Benicia, CA | $515,800 | $966 | $710 | $1,310 | $600 |
| Tamalpais-Homestead Valley, CA | $1,119,700 | $940 | $700 | $1,280 | $580 |
| Union City, CA | $620,200 | $1,367 | $1,010 | $1,860 | $850 |
| Montara, CA | $870,700 | $2,312 | $1,710 | $3,140 | $1,430 |
| Livermore-Pleasanton, CA | $749,500 | $1,448 | $1,070 | $1,970 | $900 |
| Discovery Bay, CA | $536,700 | $997 | $740 | $1,360 | $620 |
| Napa County, CA | $560,500 | $1,484 | $1,100 | $2,020 | $920 |
| Angwin, CA | $856,600 | $1,173 | $870 | $1,600 | $730 |
| Santa Rosa, CA | $465,100 | $1,272 | $940 | $1,730 | $790 |