Gavop shows you how to buy homeowners insurance in Hercules, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $98,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $206,000 | $170,000 | $175,000-$200,000 |
| 3 Bedroom | $341,500 | $280,000 | $300,000-$350,000 |
| 4 Bedroom | $446,000 | $390,000 | $350,000-$400,000 |
| 5 Bedroom | $488,500 | $450,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $807 |
| Superior Protection Discount | -$88 | $885 |
| Fire & Security Discount | -$78 | $895 |
| Hail Resistant Roof Discount | -$29 | $943 |
| Newly Constructed Home Discount | -$204 | $768 |
| 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 | $2,500 | $1,385 | $3,885 | $1,007 | $3,507 | $379 |
| Hercules, CA | $2,000 | $961 | $2,961 | $698 | $2,698 | $263 |
| Vine Hill, CA | $300 | $976 | $1,276 | $709 | $1,009 | $267 |
| Orinda, CA | $1,000 | $945 | $1,945 | $687 | $1,687 | $258 |
| Moraga, CA | $200 | $932 | $1,132 | $677 | $877 | $255 |
| Temelec, CA | $2,000 | $1,261 | $3,261 | $916 | $2,916 | $345 |
| Marin County, CA | $200 | $1,185 | $1,385 | $861 | $1,061 | $324 |
| Discovery Bay, CA | $2,000 | $985 | $2,985 | $716 | $2,716 | $269 |
| East Palo Alto, CA | $200 | $981 | $1,181 | $713 | $913 | $268 |
| Occidental, CA | $1,000 | $1,539 | $2,539 | $1,119 | $2,119 | $421 |
| Mountain View, CA | $500 | $1,214 | $1,714 | $882 | $1,382 | $332 |
| Sunnyvale, CA | $2,000 | $1,209 | $3,209 | $878 | $2,878 | $330 |
| Home Insurance Company Hercules, CA | Homeowners Insurance Agency Hercules, CA | Address | Popularity Score | Distance from Hercules (miles) |
|---|---|---|---|---|
| State Farm | Mary Zell Spellman | 318 West Portal Ave, San Francisco, CA, 94127-1412 | 21.9 | |
| State Farm | Joanne Bryant | 2570 S R Valley Blvd # A201, San Ramon, CA, 94583-1637 | 26.9 | |
| Travelers | Alive Insurance Services Inc | 6328 Fairmount Ave Ste 230, El Cerrito, CA, 94530 | 8.3 | |
| Allstate | Noel P. Gallego | 4380 Sonoma Blvd Ste 142, Vallejo, CA, 94589 | 8.2 | |
| Allstate | Peggy Smith | 1758 Solano Ave, Berkeley, CA, 94707 | 9.0 | |
| State Farm | Kelly Sopak | 1225 Solano Ave Ste A, Albany, CA, 94706-1734 | 9.0 | |
| State Farm | Mark Bucklew | 2489 San Pablo Ave, Pinole, CA, 94564-1706 | 1.0 | |
| Farmers | Siamak Bagheri | 420 Appian Way, El Sobrante, CA, 94803 | 3.1 | |
| Allstate | Francis H. Lan | 900 Alice St Ste 128, Oakland, CA, 94607 | 15.4 | |
| Allstate | Ed Hill | 106 Plaza Dr Ste B, Vallejo, CA, 94591 | 8.7 |
| 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 |
| Hercules, CA | $457,300 | $973 | $720 | $1,320 | $600 |
| Vine Hill, CA | $371,400 | $988 | $730 | $1,340 | $610 |
| Orinda, CA | $1,221,800 | $956 | $710 | $1,300 | $590 |
| Moraga, CA | $1,035,000 | $944 | $700 | $1,280 | $580 |
| Temelec, CA | $440,500 | $1,276 | $940 | $1,740 | $800 |
| Marin County, CA | $908,800 | $1,199 | $890 | $1,630 | $740 |
| Discovery Bay, CA | $536,700 | $997 | $740 | $1,360 | $620 |
| East Palo Alto, CA | $600,200 | $993 | $730 | $1,350 | $620 |
| Occidental, CA | $522,100 | $1,558 | $1,150 | $2,120 | $970 |
| Mountain View, CA | $1,079,900 | $1,228 | $910 | $1,670 | $760 |
| Sunnyvale, CA | $968,700 | $1,223 | $910 | $1,660 | $750 |