Updated: November 29, 2024
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In Oakland, California, Allstate is both the overall best and the cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Choosing the best cheap home insurance depends on your needs, like price, customer service and coverage options.
Best HomeInsuranceOakland, CATable of Contents
Why Trust MoneyGeek? We used information from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Oakland.
As of September 2024, the rates for home insurance in Oakland represent the most competitive quotations available.
MoneyGeek found that Travelers is the best option in Oakland, California, for home insurance with 100K dwelling coverage, boasting a MoneyGeek score of 87 out of 100.
The scores for home insurance companies in Oakland, California, range from 33 to 88. These figures reflect MoneyGeek's scoring system, which may vary based on your credit history and the age of your home.
| Allstate | 83 | $365 |
| Travelers | 81 | $487 |
| State Farm | 80 | $544 |
| Chubb | 76 | $699 |
| Farmers | 63 | $680 |
| Nationwide | 57 | $847 |
| Capital Insurance Group | 33 | $892 |
Allstate is the best option for home insurance in Oakland, California, for $100K dwelling coverage. The two best overall home insurance companies in Oakland for $100K dwelling coverage are:
Allstate stands out as the best home insurance provider due to its high affordability and customer satisfaction scores, significantly contributing to its MoneyGeek score.
In Oakland, California, many companies offer different cost and service experiences. While cost is important, factors like customer service and coverage options should also be considered, because they become crucial when making claims.
Allstate ranks highest with a MoneyGeek score of 83, thanks to its affordability and customer satisfaction. It offers comprehensive home insurance with cyber event/ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle, which offers up to 25% off when you combine home and auto policies.
Allstate provides useful coverages for homeowners. Cyber event/id theft covers costs if your identity is stolen. Back-up of sewer or drain protects against water damage from drain issues. Home business property increases limits for business items at home, offering peace of mind for entrepreneurs.
Chubb is the best option in Oakland, California for $100K dwelling coverage due to its excellent customer service.
Chubb stands out as the top choice with its high customer satisfaction score. Chubb's ability to meet customer needs effectively, combined with a reasonable premium, makes it a preferred option. Chubb provides a balanced service for those looking for quality and affordability.
Excellent service in home insurance means being attentive to customer needs, ensuring quick and fair claims processing, and offering comprehensive coverage options.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For a new home discount, your home should be seven or 10 years old or less.
Chubb's coverage includes guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers bringing your home up to current codes. Cash settlement lets you choose a cash payout if you decide not to rebuild.
Allstate is the best cheap home insurance option in Oakland, California for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out for its high affordability and coverage scores, contributing significantly to its MoneyGeek score. Cheap home insurance often means choosing lower coverage, which can save money on premiums but might not be enough if an accident occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Allstate is the best cheap company with high scores in affordability and satisfaction. It offers cyber event/ID theft and back-up of sewer or drain coverages, but lacks home business property. You can save with discounts like bundle and responsible payment. Bundle lets you save by combining home and auto insurance.
Allstate's cyber event/ID theft coverage helps if your identity is stolen. Back-up of sewer or drain covers water damage from broken pumps. These coverages are useful for protecting your home and belongings.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Several factors affect homeowners insurance in Oakland, with location being a significant one. Comparing homeowners insurance rates in Oakland is the best way to save, but it can take up to 15 minutes per company. Comparing three or more companies could take over an hour. MoneyGeek's home insurance calculator helps you save instantly. Enter your age, dwelling coverage, credit score, deductible and liability coverage for a rate estimate.
Allstate is the top choice for homeowners insurance in Oakland, California. The main factor affecting home insurance costs is the dwelling coverage you select.
Allstate stands out in Oakland because it's the cheapest option, with a high score of 91. Although low-priced, it's also one of the top-rated. Opting for less expensive home insurance in California can aid in balancing your budget. This is easily done with the cheapest homeowners insurance in California, making it a wise financial decision.
| Allstate | $365 |
| Travelers | $487 |
| State Farm | $544 |
| Farmers | $680 |
| Chubb | $699 |
| Nationwide | $847 |
| Capital Insurance Group | $892 |
Allstate is the cheapest choice for high-value home insurance in Oakland, California. High dwelling coverage is essential for homes that are costlier to replace, leading to increased home insurance costs.
Allstate stands out in Oakland because its prices are the most affordable among competitors for high-value homes, making it the preferred choice for budget-conscious homeowners. Although Allstate is the most affordable, it doesn't rank as the best overall based on various factors.
| Allstate | $1,927 |
| Travelers | $2,250 |
| State Farm | $2,648 |
| Capital Insurance Group | $3,738 |
| Chubb | $4,076 |
| Nationwide | $4,355 |
| Farmers | $6,878 |
Travelers offers the cheapest home insurance for new homes in Oakland, California.
The affordable rates make Travelers the best option for new homeowners in Oakland. However, affordability may not mean it is the best overall choice for everyone.
| Travelers | $271 |
| State Farm | $272 |
| Allstate | $296 |
| Farmers | $321 |
| Nationwide | $341 |
| Chubb | $566 |
| Capital Insurance Group | $579 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Oakland depends on your needs. Consider factors beyond premiums, like coverage and customer service. Follow these steps to get the best cheap home insurance: compare quotes, check reviews and assess your coverage needs.
To determine how much home insurance coverage you need, consider the unique aspects of your home in Oakland, California, such as rebuilding costs and personal property value.
Look into insurance companies operating in Oakland, California. Focus on those with solid financial backgrounds and positive customer feedback.
After understanding your coverage needs, compare home insurance quotes. In Oakland, California, premiums for $100K dwelling coverage range from $365 to $847 annually.
Inquire with each provider about potential discounts, such as those for combining policies or having safety features installed.
Opting for a higher home insurance deductible can reduce your premium, yet ensure it’s a manageable amount for you to pay if needed.
Enhancing your home’s security with systems and secure locks can lower its risk profile, potentially decreasing insurance costs.
A strong credit score can impact your insurance rates in Oakland, California. Pay bills promptly and manage debt wisely.
Consider combining your homeowners insurance with other policies like auto insurance. This strategy can yield substantial savings.
The best cheap home insurance provider for you in Oakland ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about best cheap insurance rates in Oakland, California.
The average home insurance cost in Oakland, California, is $512.
The cheapest home insurance company in Oakland, California, is Allstate with an annual premium of $365.
The best home insurance in California for Oakland residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
