How Can I Make My Berkeley, CA Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Berkeley, CA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Berkeley, CA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $189,000 $150,000 $150,000-$175,000
2 Bedroom $438,500 $380,000 $400,000-$500,000
3 Bedroom $499,000 $460,000 $500,000-$600,000
4 Bedroom $537,500 $490,000 $500,000-$600,000
5 Bedroom $797,000 $750,000 $800,000-$900,000

Estimate your Savings with Home Insurance Discounts in Berkeley, CA | Back to Top

This table lists savings for a median home value of $690,800 and an average premium of $4,290

Discount Type Premium After Discount
Multipolicy Discounts $3,947
Superior Protection Discount $3,904
Fire & Security Discounts $3,990

Choose the Right Deductible for your Berkeley, 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
California $100 $1,230 $1,330 $1,030 $1,130 $200
Alameda County, CA $2,000 $2,370 $2,870 $1,970 $3,970 $-1,100
Berkeley, CA $1,500 $1,410 $1,910 $1,220 $2,720 $-810
East Richmond Heights, CA $300 $1,270 $1,570 $1,040 $1,340 $230
West Contra Costa, CA $700 $1,070 $1,570 $870 $1,570 $0
Moraga, CA $400 $2,210 $2,610 $1,790 $2,190 $420
American Canyon, CA $1,000 $1,020 $1,520 $830 $1,830 $-310
Stanford, CA $400 $2,090 $2,490 $1,820 $2,220 $270
Portola Valley, CA $2,000 $2,510 $3,010 $2,160 $4,160 $-1,150
La Honda, CA $500 $1,520 $2,020 $1,270 $1,770 $250
Fruitdale, CA $2,000 $2,290 $2,790 $2,020 $4,020 $-1,230
Dixon, CA $400 $960 $1,360 $830 $1,230 $130
Fulton, CA $2,500 $2,050 $2,550 $1,680 $4,180 $-1,630

Identify Top Home Insurance Agents near Berkeley, CA | Back to Top

Home Insurance Company Berkeley, CA Homeowners Insurance Agency Berkeley, CA Address Popularity Score Distance from Berkeley (miles)
State Farm Mary Zell Spellman 318 West Portal Ave, San Francisco, CA, 94127-1412
12.6
State Farm Angela Chan 756 Sacramento St, San Francisco, CA, 94108-2505
7.4
State Farm Alan Chan 1820 Van Ness Avenue, San Francisco, CA, 94109
8.1
Travelers Alive Insurance Services Inc 6328 Fairmount Ave Ste 230, El Cerrito, CA, 94530
2.3
Travelers Onmarket Insurance Associates 1857 Market St, San Francisco, CA, 94103
9.2
State Farm Olimpia Garner 175 N 1st St, Dixon, CA, 95620-3025
47.9
Liberty Mutual Independent Brignole & Ghiri Insurance & 4685 Telegraph Ave, Oakland, CA, 94609
3.5
State Farm Linda Mcclatchy 1333 San Pablo Ave, Pinole, CA, 94564-2431
9.4
State Farm Linda Williams 1536 20th St, San Francisco, CA, 94107-2809
8.9
Allstate Steven Memmer 349 S Main St, Sebastopol, CA, 95472
46.1

Compare Rates for Berkeley, CA Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
California $383,900 $1,770 $1,310 $2,410 $1,100
Alameda County, CA $514,900 $2,160 $1,600 $2,940 $1,340
Berkeley, CA $690,800 $1,730 $1,280 $2,350 $1,070
East Richmond Heights, CA $380,700 $1,140 $840 $1,550 $710
West Contra Costa, CA $346,300 $1,070 $790 $1,460 $670
Moraga, CA $895,000 $2,150 $1,590 $2,920 $1,330
American Canyon, CA $337,900 $1,420 $1,050 $1,930 $880
Stanford, CA $1,000,001 $2,700 $2,000 $3,670 $1,670
Portola Valley, CA $1,000,001 $2,400 $1,780 $3,260 $1,480
La Honda, CA $652,100 $1,570 $1,160 $2,140 $980
Fruitdale, CA $599,800 $2,700 $2,000 $3,670 $1,670
Dixon, CA $308,700 $1,300 $960 $1,770 $810
Fulton, CA $445,800 $1,870 $1,380 $2,540 $1,160

Research Home Insurance Companies Reviews in Berkeley, CA Before Buying | Back to Top

Share a review on your home insurance company


Liberty Mutual Home Insurance Reviews

Date: September 25, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
the company has an online chatting app that you get your questions and concerns answered instantly,

Date: September 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
you can interact with them through social media or online chat app

Date: September 03, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
In terms of coverage, Liberty Mutual is able to provide the coverage that i need to protect my property.


Date: September 01, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Communication
I never hear from them unless it is to send me a bill, so the communication is lacking.

Date: July 26, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
it has the best customer care services,no much ques for you to be attended to

Date: May 27, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I feel that the insurance premium we are charged is too high. It increases every year even though I have not filed a claim in 20 years.

Date: November 19, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I never hear from the company unless it is for them to send me my bill. I cannot comment on their customer service.

State Farm Home Insurance Reviews

Date: April 07, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
I have only ever had State Farm, but the few times i did shop around, I was stunned at how higher the rates were. Happy to keep things as they are now for certain!


Date: October 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I have never compared premiums from multiple insurance agencies, so I cannot give an educated opinion on this subject. I will have to check it out.

Date: October 01, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
I think that dwelling, other structures, loss of use, medical payments are all covered under my home insurance policy through state farm.


Date: July 24, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I have never been on the state farm application or website, so I do not have a good opinion on this subject. I will have to check it out.

Date: May 15, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
Customer service has always been top notch. They are always fast and friendly. They are the definition of what quality customer service should be.

Date: May 11, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I have to say that the interaction and communication have always been the cream of the crop. I don't think any company could do better.

Progressive Home Insurance Reviews

Date: July 22, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I have been happy about my premium through Progressive, and my deductible is not very high for the price I pay. I do shop around often to be sure I have the best coverage options.

Date: November 21, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
love their customer service. agents are extremely knowledable and I highly recommend this company to others.

Farmer's Insurance Home Insurance Reviews

Date: June 05, 2019    Age: 30 to 39    Gender: Unmarried    Marital Status: Male

Premium
One of the things that I am most satisfied about when it comes to my homeowner's insurance company complete insurance LLC is my insurance premium and deductible.

Date: February 06, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I am very satisfied with my insurance company so clearly and accurately I have learned several things from my home company, however there are positive and negative things about the company


AAA Home Insurance Reviews

Date: December 30, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I love the insurance company. THey have been realy great, answer questions and super helpful. I havent had to make a claim but so far they have been excellent.

Allstate Home Insurance Reviews

Date: October 21, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Website/App
The design is not efficient, it's very slow, they use to pop-up a lot of not interesting informations. Need to improve the UX

GEICO Home Insurance Reviews

Date: January 12, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
Premium and deductible are similar to other competitors based on quotes received when initially shopping for insurance, having family members with current insurance provider ultimately led to decision.

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