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Alameda, CA Home Insurance Rates - What Impacts It?

Given here are some important aspects of your Alameda, California Home Insurance that impact your rates & can support you in getting a great deal.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Alameda 4 Beds, 1 Bath, 2830 sqft $671,000 $172
Acalanes Ridge 2 Beds, 1 Bath, 1,720 sqft $558,000 $131
Agua Caliente 4 Beds, 1 Bath, 2,040 sqft $620,000 $78
Penngrove 2 Beds, 1 Bath, 1,690 sqft $458,000 $120
Loma Mar 2 Beds, 1 Bath, 1,310 sqft $320,000 $96
Orinda 2 Beds, 1 Bath, 1,390 sqft $472,000 $66
Ashland 3 Beds, 2 Baths, 1,320 sqft $406,000 $40
Brookdale 3 Beds, 2 Baths, 1,360 sqft $591,000 $131
Tracy 4 Beds, 2 Baths, 2,040 sqft $751,000 $95
Woodacre 4 Beds, 2 Baths, 2,940 sqft $887,000 $146
Stanford 3 Beds, 2 Baths, 1,370 sqft $338,000 $86
Pittsburg 2 Beds, 1 Bath, 1,540 sqft $528,000 $162
Broadmoor 3 Beds, 1 Bath, 1,720 sqft $654,000 $71
Fruitdale 3 Beds, 1 Bath, 2,110 sqft $864,000 $106
Los Altos 2 Beds, 1 Bath, 1,430 sqft $530,000 $84
Contra Costa Centre 3 Beds, 1 Bath, 1,840 sqft $670,000 $113
Saratoga 4 Beds, 1 Bath, 2,410 sqft $516,000 $88
Isleton 4 Beds, 1 Bath, 2,950 sqft $549,000 $87
Lagunitas-Forest Knolls 2 Beds, 1 Bath, 1,170 sqft $323,000 $81
Fairfax 4 Beds, 1 Bath, 1,760 sqft $405,000 $50
Muir Beach 4 Beds, 2 Baths, 2,190 sqft $739,000 $142

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

Here are some typical claims filed in Alameda:

Claim Typical Claim Amount
WATER DAMAGE $6,500
FIRE $59,000
THEFT/BURGLARY $4,000

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

  • Nationwide: Nathan Douglas Gleason Agency, 101 california st ste 2710, San Francisco, CA, 94111 (415) 484-4444
  • Farmers: Aline Marcadier, 635 23rd st ste a, Richmond, CA, 94804 (510) 215-9288
  • Travelers: Lui And Assoc Inc Ins Services, 745 grant ave 2nd fl, San Francisco, CA, 94108 415-433-7744
  • Liberty Mutual Independent: Heffernan Insurance Brokers, 1350 carlback ave, suite 200 , Walnut Creek, CA, 94596
  • 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 Alameda, CA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 500-549 Credit Score $25 to 50,000 More than 3 Pets at home, Smoker $940
Freelancer 600-649 Credit Score $25 to 50,000 No Pets, Smoker $1,820
Unemployed 750-799 Credit Score No Income 2 Pets, Non-Smoker $1,540