Gavop's guide to buying homeowners insurance in East Palo Alto, 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 | $107,000 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $331,500 | $300,000 | $350,000-$400,000 |
| 3 Bedroom | $482,000 | $440,000 | $400,000-$500,000 |
| 4 Bedroom | $649,000 | $540,000 | $700,000-$800,000 |
| 5 Bedroom | $406,000 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$189 | $804 |
| Superior Protection Discount | -$89 | $904 |
| Fire & Security Discount | -$89 | $904 |
| Hail Resistant Roof Discount | -$20 | $973 |
| Newly Constructed Home Discount | -$268 | $725 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,440 |
| Hail Damage | $4,524 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,051 |
| Home Insurance Company East Palo Alto, CA | Homeowners Insurance Agency East Palo Alto, CA | Address | Popularity Score | Distance from East Palo Alto (miles) |
|---|---|---|---|---|
| State Farm | Mike Klein | 150 W Iowa Ave Ste 102, Sunnyvale, CA, 94086-6179 | 8.6 | |
| Farmers | Robert Chang | 257 Castro St Ste 105, Mountain View, CA, 94041 | 5.9 | |
| Allstate | Eddy Chan | 30 W 39th Ave Ste 100, San Mateo, CA, 94403 | 9.9 | |
| State Farm | Dwayne Dawson | 1850 41st Avenue, Suite 201, Capitola, CA, 95010-2570 | 35.2 | |
| Allstate | Ray J. Rodriguez | 6657 Thornton Ave, Newark, CA, 94560 | 7.0 | |
| Allstate | Jill Khiew Lo | 1442 W El Camino Real, Mountain View, CA, 94040 | 5.9 | |
| Liberty Mutual Independent | Brady-Harbord-Payne | 3608 Grand Ave Ste 2, Oakland, CA, 94610 | 24.8 | |
| Allstate | Alice M. Chan (San Jose Main Office) | 2136 Ringwood Ave, San Jose, CA, 95131 | 13.8 | |
| Allstate | Peggy Smith | 2483 Old Middlefield Way, Mountain View, CA, 94043 | 4.1 | |
| Allstate | Binh Nguyen | 429 E El Camino Real, Sunnyvale, CA, 94087 | 9.1 |
| 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 |
| San Mateo County, CA | $917,700 | $1,227 | $910 | $1,670 | $760 |
| East Palo Alto, CA | $600,200 | $993 | $730 | $1,350 | $620 |
| Redwood City, CA | $1,016,700 | $1,232 | $910 | $1,680 | $770 |
| Ladera, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Portola Valley, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Castro Valley, CA | $634,600 | $1,229 | $910 | $1,670 | $760 |
| Albany, CA | $766,000 | $1,147 | $850 | $1,560 | $710 |
| Clyde, CA | $336,900 | $888 | $660 | $1,210 | $550 |
| Tracy, CA | $402,700 | $1,026 | $760 | $1,400 | $640 |
| Discovery Bay, CA | $536,700 | $997 | $740 | $1,360 | $620 |
| Santa Venetia, CA | $706,800 | $1,979 | $1,460 | $2,690 | $1,230 |