ogmer

In Depth Oakland, CA Home Insurance Rates Analysis

In Depth Analysis of Oakland, California Home Insurance Rates to get you a leg up in your negotiations after you get quotes.

Replacement Value of your home in Oakland, CA is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Oakland, CA & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Oakland 2 Beds, 1 Bath, 1480 sqft $310,000 $63
El Verano 3 Beds, 2 Baths, 2,010 sqft $592,000 $77
Cambrian Park 2 Beds, 1 Bath, 1,070 sqft $193,000 $54
Oakland 2 Beds, 1 Bath, 1,410 sqft $324,000 $66
Ross Valley 2 Beds, 1 Bath, 1,390 sqft $284,000 $59
Pleasanton 3 Beds, 2 Baths, 1,380 sqft $344,000 $112
Fairfield 3 Beds, 2 Baths, 2,250 sqft $368,000 $100
Belmont 3 Beds, 1 Bath, 1,340 sqft $195,000 $46
Strawberry 3 Beds, 1 Bath, 1,990 sqft $307,000 $55
Vine Hill 3 Beds, 1 Bath, 1,240 sqft $193,000 $66
Moss Beach 3 Beds, 2 Baths, 2,310 sqft $516,000 $125
La Honda 3 Beds, 1 Bath, 1,810 sqft $527,000 $140
Danville 3 Beds, 2 Baths, 2,220 sqft $564,000 $146
Benicia 2 Beds, 1 Bath, 1,570 sqft $435,000 $62
Concord 2 Beds, 1 Bath, 1,180 sqft $270,000 $57
Petaluma 3 Beds, 2 Baths, 1,760 sqft $512,000 $93
Bethel Island 2 Beds, 1 Bath, 1,300 sqft $317,000 $75
Marin 2 Beds, 1 Bath, 1,200 sqft $186,000 $26
Ben Lomond 3 Beds, 1 Bath, 1,580 sqft $352,000 $108
Martinez 3 Beds, 2 Baths, 1,550 sqft $283,000 $57
Discovery Bay 2 Beds, 1 Bath, 1,790 sqft $479,000 $94

If your Oakland, CA home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Oakland:

Claim Typical Claim Amount
LIABILITY (ALL OTHER) $45,000
WIND $5,000
THEFT/BURGLARY $4,000

Your Oakland, CA insurance agent (see examples below) can help with your claims.

  • Nationwide: Thomas Fife Bushman, 800 south broadway ste 103, Walnut Creek, CA, 94596 (925) 784-0659
  • Farmers: Lyudmyla "Lucy" Logvinova, 1434 taraval st, San Francisco, CA, 94116 (415) 566-1766
  • Travelers: Cambridge General Agency, 100 pringle ave ste 420, Walnut Creek, CA, 94596 925-300-4500
  • Liberty Mutual Independent: Legacy Risk And Insurance Services Llc, 1850 mt diablo blvd ste 400, Walnut Creek, CA, 94596 (925) 482-1000
  • Liberty Mutual: A.J. Franco, 2603 camino ramon ste 365, San Ramon, CA, 94583 1-925-358-2900

Your Background Impacts Your Home Insurance Quotes

Here is a list of Oakland, CA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 600-649 Credit Score <$25,000 2 Pets, Non-Smoker $510
Retired 650-699 Credit Score No Income No Pets, Non-Smoker $440
Full Time Job 750-799 Credit Score <$25,000 More than 3 Pets at home, Smoker $610