Fremont, CA Homeowners Insurance

Learn more about home insurance rates and trends in Fremont.

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Find affordable homeowners insurance in Fremont


Homeowners insurance is a critical element of homeownership. Fire, vandalism, theft, and wind damage are only a few of the perils from which homeowners insurance can protect your dwelling and personal property. With the relative frequency of such perils -- and the high cost of rebuilding or repairing a home -- getting homeowners coverage is a sound investment.

The price of a home insurance policy depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. 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. Discover more information about what your homeowners insurance policy covers.

If you want to find cheap homeowners insurance in Fremont, start with looking around and comparing policies. Take a look at the summary below showing average Fremont homeowners insurance costs to ensure you start your search with as much background info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


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

Homeowners insurance in Fremont by insurance company

Homeowners insurance rates in Fremont vary from one insurance company to another. The most affordable home insurance in Fremont is Mercury offering average annual rates at just $476 per year. This is considerably cheaper than the city’s average homeowners premium of $814.

Below you'll find a list of the cheapest homeowners insurance companies in Fremont, California to help you start your search.


AFFORDABLE HOMEOWNERS 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

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Fremont, carrying $200K dwelling coverage costs an average of $584, while carrying additional coverage up to $400K costs $1,125/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

Fremont homeowners insurance rates by ZIP code

Not every area of Fremont has equal home insurance costs. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can dramatically influence your home insurance premium.

To find the cheapest homeowners coverage in Fremont, look no further than 94539. In the 94539 area, homeowners policies typically cost just $808 per year — a full $5 less than the Fremont average. If you’re looking for the areas with the most affordable homeowners premiums in Fremont, have a look at the table below.


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

Other areas of Fremont, it should be noted, face homeowners rates that surpass the city average . Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. 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

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:

  1. Anaheim
  2. Bakersfield
  3. Chula Vista
  4. Fresno
  5. Irvine
  6. Long Beach
  7. Los Angeles
  8. Oakland
  9. Riverside
  10. Sacramento
  11. San Bernardino
  12. San Diego
  13. San Francisco
  14. San Jose
  15. Santa Ana
  16. Stockton

Homeowners insurance deductibles in Fremont

Homeowners have a lot of choices to make when shopping for a homeowners insurance policy, including the amount of their deductible. A deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you set your deductible can play a significant role in determining your insurance premiums.

When choosing a deductible, remember that the higher your deductible is, the lower your insurance rates will be. As such, if you want to keep your insurance rates low, aim for a higher deductible. It's worth mentioning that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following chart outlines the typical premiums affiliated with most deductibles.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN FREMONT
Deductible LevelAverage Annual Home 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

If you’re seeking savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Fremont leads to average annual savings of 12%.


CHEAPEST AUTO INSURANCE PREMIUMS 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.


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.