San Jose Homeowners Insurance

Find affordable homeowners insurance in San Jose


Home insurance is an important investment for any homeowner. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing a home -- getting homeowners coverage is a wise investment.

The price of a home insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more about what your homeowners insurance policy covers.

If you want to find cheap home insurance coverage in San Jose, start with shopping around and comparing policies. Have a look at the summary below comparing average San Jose 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.


San Jose, California, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by neighborhood
  4. Rates by deductible level
  5. Bundling discounts

Homeowners 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.

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


AFFORDABLE HOME INSURERS IN SAN JOSE
CompanyAverage Annual Rate
Mercury$474
State Farm$629
Allstate$687
USAA$717
Liberty$766

Average homeowners insurance rates in San Jose by coverage amount

How much you pay for home insurance coverage is greatly affected 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 $1,078/year.


HOMEOWNERS INSURANCE RATES IN SAN JOSE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$345
$200K Dwelling$612
$250K Dwelling$718
$400K Dwelling$1,078

Compare Homeowners Insurance Rates

San Jose homeowners insurance rates by ZIP code

Homeowners insurance premiums can vary depending on what part of San Jose in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can drastically affect your home insurance premium.

To find the most affordable home insurance premiums in San Jose, look no further than 95129. In the 95129 area, homeowners policies typically cost just $752 per year — a full $129 less than the San Jose average. Find the best places to live in San Jose for cheap home insurance by looking at the following table.


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

Other areas of San Jose, however, face homeowners rates that are higher than the city 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. With an annual average premium of $1,344, 95141 comes in as the priciest ZIP code in San Jose for homeowners coverage.


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

Homeowners insurance deductibles in San Jose

Homeowners have a lot of decisions to make when deciding on a homeowners policy, including how high or low to set their deductible. The deductible is the total amount that the insured must contribute toward a covered loss. The deductible that you decide on can change how much you pay in insurance premiums.

On the whole, having a lower deductible means that your insurance premiums will be higher. Therefore, you may want to think about setting a higher deductible if you aim to lock in lower premiums. It's worth mentioning that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following table outlines the average premiums affiliated with standard homeowners deductibles.


HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE IN SAN JOSE
Deductible LevelAverage Annual Home Insurance Rate
$500$808
$1,000$718
$1,500$679
$2,000$613
$5,000$515

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

If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, San Jose homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH A POLICY BUNDLE IN SAN JOSE
CompanyAvg. Annual Auto Insurance Rate (With 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.


Find an Insurance Policy

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.