Find Affordable Homeowners Insurance

Daly City CA Home Insurance Rates

When shopping for homeowners insurance in Daly City CA, you’ll find that it averages to $988. Compared to the average home insurance price in California ($986), it’s not too far off. But did you know you can get still get it cheaper?

Where to Buy Cheap Homeowners Insurance in Daly City, CA

The best homeowners insurance rates in the city are between $297 and $450. Stillwater Ins Co. has the cheapest $400,000 coverage for a new house. As for older homes, Tokio Marine America offers the lowest insurance rates.

The cheapest home insurance policies in Daly City, CA are available at:

  1. Tokio Marine America ($397.50)
  2. Stillwater Ins Co. ($486.25)
  3. Pacific Specialty ($518.50)
  4. Mercury Ins Group ($599)
  5. Stillwater Prop & Cas Co. ($612.25)
  6. Integon/National ($641.75)
  7. Universal North America ($658.25)
  8. Travelers ($679)
  9. CSAA Ins Exchange ($680.75)
  10. Wawanesa ($684.75)
CompanyAnnual rate for a new house & 400k coverageAnnual rate for 7-15 yr house & 400k coverageAnnual rate for 7-15 yr house & 300k coverageAnnual rate for 26-40 yr house & 300k coverageCompany Average
Average$757.02$1121.35$873.29$1201.78Daly City Average: $988.36
Tokio Marine America$349$450$341$450$397.5
Stillwater Ins Co$297$595$462$591$486.25
Pacific Specialty$406$623$483$562$518.5
Mercury Ins Group$400$705$555$736$599
Stillwater Prop & Cas Co$369$746$580$754$612.25
Integon/National$539$736$556$736$641.75
Universal North America$387$734$590$922$658.25
Travelers$517$805$647$747$679
CSAA Ins Exch$466$785$663$809$680.75
Wawanesa$495$797$623$824$684.75
CSE Safeguard$477$805$712$851$711.25
ASI Select Ins Corp$478$810$647$929$716
IDS Property Casualty$570$871$644$1,003$772
General Ins$481$918$735$977$777.75
State Farm$490$960$733$1,038$805.25
California Casualty$481$951$799$991$805.5
Pacific Property And Casualty$375$987$746$1,195$825.75
Kemper$623$954$783$972$833
California Capital$645$980$781$1,002$852
Safeco$695$990$763$990$859.5
MAPFRE Group$600$1,031$766$1,080$869.25
Aegis Security$726$961$724$1,166$894.25
QBE$718$944$759$1,169$897.5
First American Specialty$665$1,089$784$1,089$906.75
Nationwide$549$1,113$865$1,161$922
Amco$550$1,115$867$1,163$923.75
Amica Mutual$764$1,055$827$1,055$925.25
USAA$790$1,027$794$1,098$927.25
Hartford (Sentinel)$694$996$829$1,239$939.5
Homesite$819$1,077$846$1,141$970.75
Western Mutual/Residence$757$1,013$785$1,365$980
Grange$809$1,154$908$1,154$1006.25
Allstate$728$1,208$895$1,208$1009.75
American Security$813$1,161$872$1,370$1054
Metropolitan Direct$813$1,232$947$1,292$1071
American Reliable$951$1,144$895$1,402$1098
AAA (Interinsurance Exchange)$617$1,376$1,043$1,390$1106.5
Farmers (Fire Ins)$797$1,288$1,056$1,320$1115.25
Encompass$936$1,306$1,001$1,306$1137.25
Horace Mann$1,069$1,426$1,009$1,512$1,254
Liberty Ins Corp$741$1,414$1,135$1,822$1278
American Modern$1,277$1,392$1,014$1,535$1,304.5
Horace Mann P & C$1,123$1,498$1,060$1,588$1,317.25
Cincinnati Ins Co$1,282$1,632$1,242$1,714$1,467.5
Foremost Insurance$1,455$1,601$1,138$1,767$1,490.25
Chubb/Federal$1,593$1,979$1,576$1,979$1,781.75
AIG Prop Cas$1,650$2,090$1,595$2,194$1,882.25
Privilege Underwriters Exch$1,590$2,208$1,656$2,208$1,915.5
Bankers Standard$1,678$2,214$2,060$2,321$2,068.25

The most cost-friendly $400,000 insurance policies for new houses are provided by:

  1. Stillwater Ins Co. ($297)
  2. Tokio Marine America ($349)
  3. Stillwater Prop & Cas Co. ($369)
  4. Pacific Property & Casualty ($375)
  5. Universal North America ($387)

You ca1n get a $400,000 insurance for 7-15 year houses at the following:

  1. Tokio Marine America ($450)
  2. Stillwater Ins Co. ($595)
  3. Pacific Specialty ($623)
  4. Mercury Ins Group ($705)
  5. Universal North ($734)

The most affordable $300,000 policy for your 7-15 year house are available at:

  1. Tokio Marine America ($341)
  2. Stillwater Ins Co. ($462)
  3. Pacific Specialty ($483)
  4. Mercury Ins Group ($555)
  5. Integon/National ($556)

But if you want the same $300,000 policy for a 26-40 year house, the lowest prices are from these companies:

  1. Tokio Marine America ($450)
  2. Pacific Specialty ($562)
  3. Stillwater Ins Co. ($591)
  4. Mercury Ins Group ($736)

Integon/National ($736)

  1. Travelers ($747)

Why compare home insurance in Daly City, CA?

Let’s face it. Home insurance companies in California won’t always have reasonable prices. There could even be times when it feels like they’re ripping you off. The only way to avoid this is if you compare home insurance rates in Daly City, CA. In doing so, you can see the level of coverage included in each policy, and at what price they are being offered.

Remember that it isn’t just about buying the cheapest home insurance. You should have a policy that provides ample coverage at a reasonable cost.

Beginner’s Guide on How to Buy Homeowners Insurance

Buying home insurance can be nerve-wracking for people who have never purchased one. The last thing you’d want is a thin policy that doesn’t give you enough coverage. But if you follow these steps, rest assured you’ll have the right homeowners insurance.

Step 1 – Get in touch with local home insurance providers

Their availability varies across states and cities. There will also be differences in the policies and prices they offer. Find out which providers serve in your area. Reach out to their agents and ask about the policies and rates specific to your location. If possible, request a personalized quote.

Tip: Use our home insurance comparison tool. It can help you find the cheapest providers and the most affordable rates in your city.

Step 2 – Find out about the home insurance coverage

The amount of coverage you’re getting will depend on your chosen policy. Before you decide, talk to providers about your coverage. Ask them which perils are included in each policy, and to what degree your home will be protected. Higher priced home insurance policies usually provide better protection than lower priced alternatives.

Step 3 – Compare the best homeowners insurance rates

By now, you’ll have a list of everything you need to decide. Start by comparing the policies and rates you have for each home insurance company. Don’t forget to consider the coverage included in their policies. From here, you can tell which companies give the best value for your money.

Tip: Only buy home insurance based on the coverage you need. Overinsuring is as bad as underinsuring.

What Is It Like To Live In Daly City, CA?

Daly sits right next to San Francisco. It almost feels like you’re in the Golden Gate City. That is, if you’re staying east of BART station. Other parts of Daly City, CA are a lot quieter. It has some nice restaurants, malls, and other conveniences; although it is missing nightlife and culture. Not that it matters really. SF is just a train ride away.

Daly residents earn more than the average American and Californian. They have a median household income of $86,342 – nearly $20,000 higher than the state average. However, the city also has expensive housing, with a median value of $651,600 or roughly 3.4 times that of U.S. homes.

Houses may be expensive in Daly City, but this is easily made up for by cheap home insurance. Furthermore, its convenient location and above-average earnings make it a great place to live in.

Disclaimer:

The home insurance costs on this web page were retrieved from the official website of California Insurance Department. Actual rates may vary from the displayed costs. Only use our website as a general guideline to compare home insurance rates. Statistics involving US cities and states were sourced from the United States Census Bureau website.

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