How Can I Make My San Jose, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in San Jose, 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.
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Estimate Appropriate San Jose, CA Home Insurance Coverage Levels | Back to Top
| San Jose, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| N 18th St, Kelly Dr, Amber Dr, Dahlia Loop, Barranca Dr, Caraway Ct, Woodset Ct, Big Bear Ct, Marjorie Ct, Katrine Ct | $490,000 | $430,000 | $400,000-$500,000 | $311,000 | $280,000 | $250,000-$300,000 |
| Putney Ct, Van Dyck Dr, Ave Manzanos, Borina Dr, Machado Ln, Hubbell Way, Garden Manor Ct, Callan St, Rue Montagne, Danville Dr | $1,122,500 | $1,010,000 | More than 10,000,000 | $650,000 | $610,000 | $600,000-$700,000 |
| Dennis Dr, Mitton Ct, Glen Haig Way, Druffel Pl, Parnell Pl, Alfred Way, Hummingbird Dr, Fairmeadow Way, Trade Zone Blvd, Fanyon St | $591,500 | $480,000 | $600,000-$700,000 | $533,000 | $460,000 | $600,000-$700,000 |
| New Ct, Virginia Pl, Trinity Ave, Park Wilshire Dr, Brunetti Dr, Leyland Park Dr, Thornton Way, Poppy Hills Pl, Sunny Ct, Decatur Dr | $542,500 | $500,000 | $400,000-$500,000 | $440,000 | $410,000 | $350,000-$400,000 |
| Midrock Cors, Bryant Way, Belmont Ave, Richards Ave, Border Rd, Old Evans Rd, Ivory Creek Dr, Warwick Dr, Cypress Way, Addiewell Pl | $698,500 | $620,000 | $600,000-$700,000 | $546,500 | $490,000 | $400,000-$500,000 |
| Bel Estos Dr, Cedarbrook Ter, Rockton Ave, Waimea Ct, Ken Cir, Merrywood Dr, Parrot Ave, Trailside Ct, Pso Refugio, Ash St | $537,500 | $460,000 | $400,000-$500,000 | $457,000 | $400,000 | $500,000-$600,000 |
| Ridgeway Dr, Mauna Kea Ln, Becky Ln, Cameo Dr, Todd Way, Chantilley Ct, Bayview Park Dr, Heritage Bay Dr, Clara St, Atwood Ct | $1,023,500 | $860,000 | $900,000-$1,000,000 | $805,000 | $680,000 | $600,000-$700,000 |
| Whitesand Ct, Arboreta Ct, Warner Dr, Wilhelmina Way, Sylvia Ave, N Murphy Ave, Duncanville Ct, Cherry Crest Ln, Troon Ct, Charisma Way | $412,500 | $360,000 | $400,000-$500,000 | $253,000 | $220,000 | $250,000-$300,000 |
| Zurich Ter, White Dr, Quinnhill Rd, N 16th St, Francolin Ter, Rio Bravo Dr, Shadowlake Ct, Highland Ct, Bengal Dr, Weston Dr | $480,500 | $430,000 | $400,000-$500,000 | $245,500 | $200,000 | $250,000-$300,000 |
| Carroll St, Castile Ct, Montemar Way, N 31st St, Pleasant Hollow Ln, Royalvale Way, Toyon Dr, San Ramon Ave, Morningside Rd, Rosita Ave | $827,000 | $790,000 | $900,000-$1,000,000 | $474,000 | $420,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in San Jose, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$243 | $1,277 |
| Superior Protection Discount | -$152 | $1,368 |
| Fire & Security Discount | -$152 | $1,368 |
| Hail Resistant Roof Discount | -$46 | $1,474 |
| Newly Constructed Home Discount | -$441 | $1,079 |
Choose the Right Deductible for your San Jose, 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 |
| Santa Clara County | $700 | $1,489 | $2,189 | $1,082 | $1,782 | $407 |
| San Jose, CA | $2,500 | $1,502 | $4,002 | $1,091 | $3,591 | $410 |
| Fruitdale, CA | $200 | $1,963 | $2,163 | $1,427 | $1,627 | $536 |
| Santa Clara County, CA | $2,500 | $1,489 | $3,989 | $1,082 | $3,582 | $407 |
| Live Oak, CA | $500 | $965 | $1,465 | $701 | $1,201 | $264 |
| Santa Cruz, CA | $2,000 | $1,349 | $3,349 | $980 | $2,980 | $369 |
| Cherryland, CA | $500 | $801 | $1,301 | $582 | $1,082 | $219 |
| Newman, CA | $100 | $1,052 | $1,152 | $764 | $864 | $287 |
| San Juan Bautista, CA | $1,000 | $978 | $1,978 | $711 | $1,711 | $267 |
| Marina, CA | $400 | $866 | $1,266 | $629 | $1,029 | $237 |
| Pittsburg, CA | $1,500 | $821 | $2,321 | $597 | $2,097 | $224 |
Identify Top Home Insurance Agents near San Jose, CA | Back to Top
| Home Insurance Company San Jose, CA | Homeowners Insurance Agency San Jose, CA | Address | Popularity Score | Distance from San Jose (miles) |
|---|---|---|---|---|
| State Farm | Mike Klein | 150 W Iowa Ave Ste 102, Sunnyvale, CA, 94086-6179 | 7.1 | |
| State Farm | Thang Vo | 391 Jacklin Rd, Milpitas, CA, 95035-3225 | 8.6 | |
| State Farm | Matthew Rinn | 140 Gregory Ln Ste 245, Pleasant Hill, CA, 94523-3357 | 43.9 | |
| State Farm | Laura Peterson | 16795 Lark Ave Ste 108, Los Gatos, CA, 95032-7691 | 5.4 | |
| State Farm | Angela Frangieh | 1465 Park Ave, San Jose, CA, 95126-2530 | 0.6 | |
| State Farm | Casey Nguyen | 979 Story Rd Unit 7069, San Jose, CA, 95122-4617 | 3.5 | |
| State Farm | Frank Sanchez | 5301 Claremont Ave, Oakland, CA, 94618-1034 | 40.3 | |
| Farmers | Anamarie Emery | 4598 S Tracy Blvd Ste 100, Tracy, CA, 95377 | 37.2 | |
| State Farm | Tami Pratt | 360 Kiely Blvd Ste 125, San Jose, CA, 95129-1300 | 3.1 | |
| Allstate | Richard Dusablon | 950 Thompson St, Milpitas, CA, 95035 | 6.7 |
Compare Rates for San Jose, 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 |
| Santa Clara County, CA | $829,600 | $1,507 | $1,110 | $2,050 | $940 |
| San Jose, CA | $839,600 | $1,520 | $1,120 | $2,070 | $950 |
| Fruitdale, CA | $710,900 | $1,987 | $1,470 | $2,700 | $1,230 |
| Santa Clara County, CA | $829,600 | $1,507 | $1,110 | $2,050 | $940 |
| Live Oak, CA | $622,600 | $977 | $720 | $1,330 | $610 |
| Santa Cruz, CA | $727,400 | $1,366 | $1,010 | $1,860 | $850 |
| Cherryland, CA | $364,100 | $811 | $600 | $1,100 | $500 |
| Newman, CA | $175,000 | $1,065 | $790 | $1,450 | $660 |
| San Juan Bautista, CA | $598,000 | $990 | $730 | $1,350 | $620 |
| Marina, CA | $431,800 | $877 | $650 | $1,190 | $540 |
| Pittsburg, CA | $324,500 | $831 | $620 | $1,130 | $510 |
Research Home Insurance Companies Reviews in San Jose, CA Before Buying | Back to Top
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Allstate Home Insurance Reviews
Date: March 31, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: December 08, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: November 20, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: October 04, 2018 Age: Above 60 Gender: Male Marital Status: Married
Date: September 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: September 18, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 23, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 20, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: August 13, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 05, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: May 11, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: March 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: January 03, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: January 01, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: November 23, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 19, 2017 Age: 50 to 59 Gender: Female Marital Status: Married
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: November 19, 2017 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: November 18, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Farmer's Insurance Home Insurance Reviews
Date: October 05, 2018 Age: Above 60 Gender: Male Marital Status: Married
Date: September 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 24, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: September 17, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: September 16, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: August 26, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: August 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: July 31, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: July 28, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: July 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: July 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: May 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: March 23, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: December 03, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: November 19, 2017 Age: Above 60 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
GEICO Home Insurance Reviews
Date: February 15, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Date: February 09, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Date: December 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: December 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: October 02, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 01, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 20, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 18, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 20, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: August 12, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 06, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: July 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: May 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
State Farm Home Insurance Reviews
Date: January 11, 2020 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: April 07, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: April 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: March 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Date: February 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: January 02, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: January 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 12, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: November 16, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: September 10, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: August 24, 2018 Age: Above 60 Gender: Male Marital Status: Married
Date: August 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 02, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Progressive Home Insurance Reviews
Date: July 07, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Date: November 30, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: October 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: October 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 30, 2018 Age: Above 60 Gender: Male Marital Status: Married
Date: August 05, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: July 30, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: May 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: January 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 24, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Nationwide Home Insurance Reviews
Date: September 21, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: September 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 11, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: August 07, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
AAA Home Insurance Reviews
Date: December 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: November 26, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Stillwater insurance Group Home Insurance Reviews
Date: November 24, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Safeco Insurance Home Insurance Reviews
Date: February 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried