Fremont Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Fremont


Home insurance is a hugely important part of owning a home. Fire, vandalism, theft, and wind damage are just a handful of the perils for which homeowners coverage can protect your dwelling and other personal belongings. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, having a home insurance policy is a solid investment.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance policies may be more expensive to account for the extra risk. Discover more info about what your homeowners insurance policy covers.

If you want to find affordable home insurance coverage in Fremont, start with looking around and comparing different policies. Check out the below summary of average Fremont homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


Fremont, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Fremont by insurance company

Fremont homeowners insurance rates will vary depending on which insurance company you choose. Mercury offers the most affordable home insurance in Fremont, at just $476 per year. This compares favorably to the city’s average homeowners premium of $814.

Have a look at the cheapest insurance companies in Fremont, California to find the best home policy for you.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN FREMONT
CompanyAverage Annual Rate
Mercury$476
Allstate$584
USAA$657
State Farm$663
Nationwide$675

Average homeowners insurance costs in Fremont by coverage level

The amount of home coverage you select has an impact on your insurance rates. In Fremont, carrying $200K dwelling coverage costs an average of $584, while carrying additional coverage up to $400K costs $1,045/year.


HOMEOWNERS INSURANCE RATES IN FREMONT — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$584
$400K Dwelling$1,045

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Fremont home insurance rates by ZIP code

Depending on which part of Fremont you live in, you might see a big difference in your home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Fremont are available in 94539. In 94539, the typical home insurance policy costs $808 per year — $5 less than the citywide average in Fremont. If you’re looking for the areas with the most affordable homeowners insurance rates in Fremont, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN FREMONT
ZIP CodeAverage Annual Home Insurance Rate
94539$808
94555$812
94536$814

Some parts of Fremont, however, are prone to homeowners insurance rates that are higher on average. Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up the area's insurance costs. The most expensive ZIP code for homeowners insurance in Fremont is 94538, where the average annual rate is $820.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN FREMONT
ZIP CodeAverage Annual Home Insurance Rate
94538$820
94536$814
94555$812



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Money-saving tip for home and auto insurance in Fremont: bundling

If saving money is your main concern, it might be worth insuring your home and auto through the same insurance company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Fremont homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN FREMONT
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,115
Mercury$1,136
Farmers$1,460
CSAA$1,667
Allstate$1,694

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an insurance expert today.


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