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Ross Martin

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How to 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 average homeowner pays $68 per month for home insurance in Fremont, California. This is significantly less than the national average monthly cost of home insurance.

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.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

Fremont home insurance by 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 lowest cost homeowners insurance companies in Fremont, California to help you start your search. Then, see our list of which home insurance carriers ranked best for customer satisfaction

Company Average Annual Rate
Mercury $476
Allstate $584
USAA $657
State Farm $663
Nationwide $675

Fremont homeowners insurance prices by coverage level

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.

Coverage Level Average Annual Rate
$100K Dwelling $359
$200K Dwelling $584
$250K Dwelling $749
$400K Dwelling $1,125

Fremont home 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.

ZIP Code Average 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.

ZIP Code Average Annual Home Insurance Rate
94538 $820
94536 $814
94555 $812

Fremont homeowners insurance deductibles

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.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $841
$1,000 $749
$1,500 $711
$2,000 $641
$5,000 $538

Home and auto insurance bundling in Fremont

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%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $1,115
Mercury $1,136
Farmers $1,460
CSAA $1,667
Allstate $1,694

Compare quotes on Fremont, CA home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.