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San Mateo CA Home Insurance Rates

The annual average home insurance cost in San Mateo, CA is $925.53. This means that San Mateo home insurance is cheaper than the average home insurance cost in California by $60.47.

We compared the top homeowners insurance companies in San Mateo, CA. Based on our findings, we recommend Tokio Marine America. According to our study they offer the cheapest home insurance for most types of houses:

  • 7-15 yr house with 300K coverage ($341)
  • 26-40 yr house with 300K coverage ($341)
  • 7-15 yr house with 400K coverage ($341)

But if you’re looking to buy a new home in San Mateo, you should consider Stillwater Ins Co. They have the the most affordable homeowners insurance on a 300K home at $247 per year.

The Best Homeowners Insurance Rates in San Mateo, CA

So which California home insurance companies offer the best San Mateo home insurance? We used our home insurance company tool to compare quotes and rank them.

The top homeowners insurance companies based on company average are:

  1. Tokio Marine America ($370.25)
  2. Stillwater Ins Co. ($453.25)
  3. Pacific Specialty ($487.50)
  4. Mercury Ins Group ($564.25)
  5. Stillwater Prop & Cas Co. ($570.25)
  6. CSAA Ins Exch ($572)
  7. Integon/National ($596.75)
  8. Universal North America ($612.25)
  9. Travelers ($651.25)
  10. CSE Safeguard ($663.75)

The cheapest annual home insurance for a new home with 400K coverage are:

  1. Stillwater Ins Co ($297)
  2. Tokio Marine America ($349)
  3. Pacific Property and Casualty ($366)
  4. Stillwater Prop & Cas Co. ($369)
  5. Universal North America ($387)

The best home insurance in California for a 7-15 yr home with 400K coverage are:

  1. Tokio Marine America ($450)
  2. Stillwater Ins Co. ($595)
  3. Pacific Specialty ($623)
  4. CSAA Ins Exch ($692)
  5. Mercury Ins Group ($712)

But if you only need 300K coverage for a 7-15 yr home, you’re better off with these CA insurance companies:

  1. Tokyo Marine America ($341)
  2. Stillwater Ins Co. ($462)
  3. Pacific Specialty ($483)
  4. Integon/National ($556)
  5. Mercury Ins Group ($565)

And finally, here are the lowest-priced homeowners insurance on a 300K home with 26-40 yrs:

  1. Tokio Marine America ($341)
  2. Pacific Specialty ($438)
  3. Stillwater Ins Co. ($459)
  4. Integon/National ($556)
  5. Mercury Ins Group ($580)
CompanyAnnual rates for a new house & 400k coverageAnnual rates for 7-15 yr house & 400k coverageAnnual rates for 7-15 yr house & 300k coverageAnnual rates for 26-40 yr house & 300k coverageCompany Average
Average$757.20$1127.04$877.90$939.98San Mateo Average: $925.53
Tokio Marine America$349$450$341$341$370.25
Stillwater Ins Co$297$595$462$459$453.25
Pacific Specialty$406$623$483$438$487.5
Mercury Ins Group$400$712$565$580$564.25
Stillwater Prop & Cas Co$369$746$580$586$570.25
CSAA Ins Exch$408$692$585$603$572
Integon/National$539$736$556$556$596.75
Universal North America$387$734$590$738$612.25
Travelers$518$821$653$613$651.25
CSE Safeguard$451$779$692$733$663.75
Allstate$531$879$655$655$680
California Capital$554$843$671$686$688.5
General Ins$457$874$700$741$693
Wawanesa$538$879$677$701$698.75
IDS Property Casualty$570$871$644$742$706.75
Safeco$620$884$681$681$716.5
MAPFRE Group$540$928$689$723$720
Pacific Property And Casualty$366$963$728$883$735
ASI Select Ins Corp$523$923$732$843$755.25
QBE$650$877$702$882$777.75
California Casualty$490$976$820$853$784.75
Hartford (Sentinel)$615$897$749$887$787
Kemper$623$954$783$797$789.25
First American Specialty$665$1,089$784$784$830.5
Nationwide$549$1,113$865$902$857.25
Amco$550$1,115$867$904$859
USAA$789$1,026$794$838$861.75
Amica Mutual$764$1,055$827$827$868.25
Homesite$785$1,028$810$856$869.75
Aegis Security$775$1,028$773$935$877.75
Grange$809$1,154$908$908$944.75
Western Mutual/Residence$813$1,088$843$1,135$969.75
Horace Mann$912$1,216$862$914$976
AAA (Interinsurance Exchange)$616$1,374$1,041$1,050$1020.25
American Reliable$951$1,144$895$1,094$1021
American Security$872$1,246$936$1,138$1048
Horace Mann P & C$979$1,305$929$985$1049.5
Encompass$936$1,306$1,001$1,001$1061
Liberty Ins Corp$720$1,359$1,094$1,376$1137.25
State Farm$758$1,486$1,134$1,227$1151.25
Farmers (Fire Ins)$871$1,427$1,164$1,181$1160.75
American Modern$1,277$1,392$1,014$1,118$1,200.25
Foremost Insurance$1,455$1,601$1,138$1,256$1,362.5
Cincinnati Ins Co$1,282$1,632$1,242$1,304$1,365
Metropolitan Direct$1,263$1,914$1,471$1,542$1,547.5
Chubb/Federal$1,593$1,979$1,576$1,576$1,681
AIG Prop Cas$1,650$2,090$1,595$1,673$1,752
Privilege Underwriters Exch$1,590$2,208$1,656$1,656$1,777.5
Bankers Standard$1,678$2,214$2,060$2,158$2,027.5

Why compare home insurance rates in San Mateo CA?


Because it’ll help you find the best deal! According to the Insurance Information Institute (III), you should get at least three (3) quotes.

Tip: Use our home insurance comparison tool to quickly compare quotes.

How to Choose From the Top Homeowners Insurance Companies in California

Comparing San Mateo home insurance quotes is only the first step. When shopping for home insurance you should consider other things as well. To get the best possible deal, here are some questions to ask yourself…

1. Which homeowners insurance policies are available in CA?

A CA home insurance company will offer policies based on the market value of a home. Home insurance policies can range from the most basic (HO-1) to the most complex (HO-8).

HO-1 provides the least amount of protection against perils. Every policy after that is a step higher and has better protection and coverage for your home. Most homeowners opt for an HO-3 policy because it gives great value for your money. It can protect your home from a long list of perils.

2. What types of home insurance coverage do I get?

Your coverage depends on your home insurance policy. But you can expect the following types of homeowners insurance from a standard policy:

  • Dwellings coverage. It covers repair and reconstruction costs of a home and/or its attached structures.
  • Other structures coverage. It protects select structures that aren’tattached to the home (like garden sheds).
  • Personal property coverage. It extends protection to personal belongings such asfurniture and electronic appliances.
  • Liability coverage. It protects the homeowner and family members from possible lawsuits. If ever they are liable for physical injury or damage to property, this helps cover costs.
  • Additional living expenses. It is a unique type of home insurance coverage. If your home gets damaged and becomes impossible to live in, this pays for your relocation.

3. What else does my San Mateo home insurance policy cover?

The best homeowners insurance in California can provide coverage for the following:

  • Removing debris from a damaged property
  • Repair and/or replacement of grave markers and mausoleums
  • Repair and/or reconstruction of a damaged property with “green” materials
  • Identity theft recovery
  • Professional assessment services for losses
  • Unauthorized charges made on credit cards

A San Mateo home insurance will only pay for property damages from covered perils. If you want extra coverage, you’d have to pay a premium. As a rule of thumb, remember that the cheaper your home insurance, the less coverage you will get.

What’s It Like To Live in San Mateo, CA

As with any other place, life in San Mateo, CA will have advantages and disadvantages.

San Mateo is a small city that enjoys moderate growth in commercial establishments. With an estimated population of 104,748, not much seems to be going around here.

The easy accessibility of San Mateo to Bay Area cities makes up for its sleepy atmosphere. San Francisco and Palo Alto are a mere 30-minute drive away, although you do have to put up with traffic.

Believe it or not, residents of San Mateo earn more than most of California and about twice the national average! San Mateo, CA has a median household income of $103,399.

The cost of homes in San Mateo is quite expensive. Owner-occupied housing units average at a $921,700 value. With or without a mortgage, the average annual ownership costs are still higher here than in California and on average nationwide.

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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