San Jose Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find cheap homeowners insurance in San Jose


A critical consideration for every homeowner should be insurance coverage for your home. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. 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 cost of homeowners insurance coverage 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 likefrozen pipes, hail, windstorms, or wildfires, home insurance policies may be more expensive to account for the extra risk. Learn more info about what is covered by a homeowners insurance policy.

If you want to find affordable homeowners insurance in San Jose, start with looking around and comparing a variety of different policies. Take a look at the summary below showing average home insurance rates in San Jose to begin your home insurance search with as much info as you can. 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.


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

Home insurance in San Jose by insurance company

Homeowners insurance rates in San Jose vary from one insurance company to another. Mercury offers the most affordable home insurance in San Jose, at just $474 per year. This compares favorably to the city’s average homeowners premium of $881.

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


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN SAN JOSE
CompanyAverage Annual Rate
Mercury$474
State Farm$629
Allstate$687
USAA$717
Liberty$766

Average homeowners insurance costs in San Jose by coverage level

How much you spend on home insurance coverage is greatly influenced by the level of coverage you choose. In San Jose, carrying $200K dwelling coverage costs an average of $612, while carrying additional coverage up to $400K costs $1,108/year.


HOMEOWNERS INSURANCE RATES IN SAN JOSE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$612
$400K Dwelling$1,108

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San Jose home insurance prices by ZIP code

Depending on the part of San Jose you live in, you might see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically affect your home insurance rates.

The cheapest home insurance rates in San Jose are available in 95129. In 95129, the typical home insurance policy costs $752 per year — $129 less than the citywide average in San Jose. If you’re looking for the areas with the least costly homeowners insurance in San Jose, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN SAN JOSE
ZIP CodeAverage Annual Home Insurance Rate
95129$752
95124$753
95130$755

On the other hand, some areas of San Jose face higher homeowners insurance costs, on average. Fire risks, crime rates, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $1,344, 95141 comes in as the costliest ZIP code in San Jose for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SAN JOSE
ZIP CodeAverage Annual Home Insurance Rate
95141$1,344
95148$1,314
95014$1,310



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

You might want to consider bundling your auto and homeowners policies through the same company if saving money is one of your concerns. Bundling your homeowners and auto insurance can be a good money-saving option. Bundling policies in San Jose could, in fact, lead to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SAN JOSE
CompanyAvg. Annual Auto Insurance Rate (Bundle)
Mercury$1,179
GEICO$1,184
Farmers$1,521
Allstate$1,693
State Farm$1,742

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance expert today.


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