Gavop's guide to buying homeowners insurance in Piedmont, 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 | $261,500 | $230,000 | $250,000-$300,000 |
| 2 Bedroom | $695,000 | $640,000 | $800,000-$900,000 |
| 3 Bedroom | $600,500 | $490,000 | $700,000-$800,000 |
| 4 Bedroom | $1,132,500 | $980,000 | $900,000-$1,000,000 |
| 5 Bedroom | $1,360,000 | $1,150,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$171 | $779 |
| Superior Protection Discount | -$95 | $855 |
| Fire & Security Discount | -$76 | $874 |
| Hail Resistant Roof Discount | -$28 | $921 |
| Newly Constructed Home Discount | -$256 | $693 |
| 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 | $2,500 | $1,235 | $3,735 | $898 | $3,398 | $338 |
| Piedmont, CA | $1,000 | $939 | $1,939 | $682 | $1,682 | $256 |
| Oakland, CA | $300 | $1,509 | $1,809 | $1,097 | $1,397 | $412 |
| Ashland, CA | $1,500 | $895 | $2,395 | $650 | $2,150 | $244 |
| Foster City, CA | $400 | $1,179 | $1,579 | $857 | $1,257 | $322 |
| Kentfield, CA | $1,500 | $930 | $2,430 | $676 | $2,176 | $254 |
| Lucas Valley-Marinwood, CA | $400 | $1,139 | $1,539 | $827 | $1,227 | $311 |
| San Mateo County, CA | $1,000 | $1,212 | $2,212 | $881 | $1,881 | $331 |
| Marin County, CA | $300 | $1,185 | $1,485 | $861 | $1,161 | $324 |
| Pescadero, CA | $200 | $1,999 | $2,199 | $1,453 | $1,653 | $546 |
| Kenwood, CA | $1,000 | $1,899 | $2,899 | $1,380 | $2,380 | $519 |
| Home Insurance Company Piedmont, CA | Homeowners Insurance Agency Piedmont, CA | Address | Popularity Score | Distance from Piedmont (miles) |
|---|---|---|---|---|
| State Farm | Randy Chang | 1328 W El Camino Real Ste 2, Mountain View, CA, 94040-2499 | 30.9 | |
| Travelers | North Bay Insurance Brokers Inc | 25 Mcdonell St, Sonoma, CA, 95476 | 34.6 | |
| State Farm | John De Leuze | 3730 Mt Diablo Blvd Ste 310, Lafayette, CA, 94549-3636 | 7.0 | |
| Travelers | Brady-Harbord-Payne | 3608 Grand Ave Ste 2, Oakland, CA, 94610 | 1.0 | |
| State Farm | Craig Ichiuji | 461 1st Ave, San Mateo, CA, 94401-3202 | 18.3 | |
| State Farm | Kelly Sopak | 1225 Solano Ave Ste A, Albany, CA, 94706-1734 | 5.9 | |
| State Farm | Alvin Lui | 3409 Mt Diablo Blvd Ste C, Lafayette, CA, 94549-3990 | 8.2 | |
| Farmers | Anthony Nguyen | 621 Tully Rd # B216, San Jose, CA, 95111 | 41.2 | |
| State Farm | Jose Cano | 3301 E 12th St Ste 113, Oakland, CA, 94601-2943 | 3.2 | |
| State Farm | John Kistner | 1401 San Pablo Ave, Berkeley, CA, 94702-1023 | 5.3 |
| 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 |
| Piedmont, CA | $1,715,700 | $950 | $700 | $1,290 | $590 |
| Oakland, CA | $581,100 | $1,527 | $1,130 | $2,080 | $950 |
| Ashland, CA | $396,400 | $906 | $670 | $1,230 | $560 |
| Foster City, CA | $1,051,000 | $1,193 | $880 | $1,620 | $740 |
| Kentfield, CA | $1,713,700 | $942 | $700 | $1,280 | $580 |
| Lucas Valley-Marinwood, CA | $836,100 | $1,152 | $850 | $1,570 | $720 |
| San Mateo County, CA | $917,700 | $1,227 | $910 | $1,670 | $760 |
| Marin County, CA | $908,800 | $1,199 | $890 | $1,630 | $740 |
| Pescadero, CA | $727,700 | $2,023 | $1,500 | $2,750 | $1,250 |
| Kenwood, CA | $680,800 | $1,922 | $1,420 | $2,610 | $1,190 |