Fremont Homeowners Insurance

How to find affordable homeowners insurance in Fremont


Homeowners insurance is a critical element of homeownership. Along with personal property, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, a homeowners insurance policy is a solid investment.

The price of a home 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. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Find out more info about the specifics of home insurance coverage.

Finding the cheapest home insurance in Fremont starts with shopping around and comparing policies. Check out the below summary of average homeowners insurance premiums in Fremont to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.


Fremont, California, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Insurance bundle discounts

Homeowners insurance in Fremont by insurance company

What you pay for homeowners insurance in Fremont will depend on the insurance company you get your policy through. 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.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Fremont, California.


CHEAP HOME INSURERS IN FREMONT
CompanyAverage Annual Rate
Mercury$476
Allstate$584
USAA$657
State Farm$663
Nationwide$675

Average homeowners insurance rates in Fremont by coverage amount

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. In Fremont, carrying $200K dwelling coverage costs an average of $584, while carrying additional coverage up to $400K costs $1,125 per year.


HOMEOWNERS INSURANCE RATES IN FREMONT — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$359
$200K Dwelling$584
$250K Dwelling$749
$400K Dwelling$1,125

Compare Homeowners Insurance Rates

Fremont home insurance prices by ZIP code

Not every area of Fremont has equal home insurance premiums. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact in what you pay for home insurance.

If you're looking for the most affordable homeowners coverage in Fremont, take at look at the 94539 ZIP code. In the 94539 area, homeowners policies typically cost just $808 per year on average — a full $5 less than the Fremont average. Find the best places to live in Fremont for cheap home insurance by looking at the table below.


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

On the other hand, some areas of Fremont face higher homeowners insurance costs, on average. These areas of the city could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. One of the costliest ZIP codes for homeowners insurance in Fremont is 94538, with an annual average rate of $820.


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

Home insurance deductibles in Fremont

Homeowners have numerous choices to make when purchasing a homeowners policy, including how high or low to set their deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. Where you choose to set your homeowners deductible corresponds directly to how much you will pay for insurance.

When considering your homeowners deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, if you are aiming for lower home insurance rates, you’ll want to keep your deductible higher. It's worth calling out that a homeowners deductible should only be as high as you can reasonably pay in the event of a loss.

The chart below displays the average premiums associated with most deductibles.


HOME INSURANCE RATES BY DEDUCTIBLE IN FREMONT
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$841
$1,000$749
$1,500$711
$2,000$641
$5,000$538

Looking for a money-saving tip for insurance in Fremont? Try bundling

You might want to consider bundling your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling home and auto insurance can be a good money-saving option. Bundling policies in Fremont could, in fact, lead to average annual savings of 12%.


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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.


Find an Insurance Policy

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.