In San Jose, California, Travelers is both the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is best. These companies cater to different needs, such as coverage options or premium costs, so the best cheap home insurance depends on what's important to you.
Best and Cheapest Home Insurance in San Jose, CA (2024)
Updated: November 25, 2024
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Best HomeInsuranceSan Jose, CATable of Contents
Best Overall - Travelers
Best for Service - Chubb
Best Cheap - Travelers
Cheapest Overall - Travelers
Cheapest for High-Value Homes - Travelers
Cheapest for New Homes - Travelers
Why Trust MoneyGeek? We use data from California's Department of Insurance and Quadrant Information Services. This helps us find the best homeowners insurance in San Jose.
Home insurance premiums in San Jose mirror the most competitive estimates as of September 2024.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in San Jose, CA
MoneyGeek found that Travelers is the best option in San Jose, California, for $100K dwelling coverage, with a MoneyGeek score of 90 out of 100. The scores for home insurance companies in San Jose, California, range from 45 to 90. These figures reflect MoneyGeek's scoring system — insurers may receive different scores based on their credit history, age of your home, etc.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Travelers | 90 | $321 |
| Allstate | 80 | $351 |
| Farmers | 79 | $375 |
| Chubb | 66 | $629 |
| State Farm | 61 | $613 |
| Nationwide | 54 | $661 |
| Capital Insurance Group | 45 | $554 |
Overall Best Home Insurance in San Jose, CA
MoneyGeek found that Travelers is the best option in San Jose, California, for $100K dwelling coverage. The two best overall home insurance companies in San Jose for $100K dwelling coverage are:
- Travelers: MoneyGeek score of 90 out of 100 ($321 per year)
- Allstate: MoneyGeek score of 80 out of 100 ($351 per year)
Travelers stands out as the best home insurance provider in San Jose because it offers great affordability and customer satisfaction, which are key contributors to its high MoneyGeek score.
In San Jose, companies offer different cost and service experiences. Cost is important, but factors like customer service and claims process also matter when you need to make claims.
Best OverallTravelers
MoneyGeek Score:
90/ of 100
Overview
Travelers scores high in affordability and coverage, making it a top choice. It offers comprehensive home insurance with coverages like scheduled personal property and personal property replacement cost. Travelers also provides bundle and newly purchased home discounts, helping you save money.
Travelers' coverages include personal property replacement cost, which helps replace items without depreciation. Scheduled personal property coverage protects valuable items like jewelry. Guaranteed replacement cost ensures your home is rebuilt if needed. These coverages are useful for protecting your home and belongings.
Best Home Insurance for Customer Service in San Jose, CA
MoneyGeek found that Chubb is the best option in San Jose, California, offering excellent customer service in home insurance for $100K dwelling coverage. For those considering coverage, here are the top two providers:
- Chubb: MoneyGeek score of 96 out of 100 ($629 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($661 per year)
Chubb excels due to its high customer satisfaction and comprehensive coverage options. Its service quality and package details make it the top choice. Choosing Chubb means you get effective coverage and outstanding service. Excellent home insurance service includes quick response times, easy claims processes, and attentive customer support.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is known for its high MoneyGeek score, thanks to its great customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like protective device and new home. For example, you get a discount if your home is 10 years old or less.
Chubb's coverages are helpful for homeowners. Cash settlement lets you get money if you don't want to rebuild after a loss. Personal property replacement cost covers your things without losing value. Risk consulting helps you avoid problems before they happen.
Best Cheap Home Insurance in San Jose, CA
MoneyGeek found that Travelers is the best cheap home insurance option in San Jose, California, for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Travelers: MoneyGeek score of 95 out of 100 ($321 per year)
- Allstate: MoneyGeek score of 86 out of 100 ($351 per year)
When it comes to the average cost of home insurance in California, Travelers stands out for its high MoneyGeek score, driven by its affordability and customer satisfaction. Cheap home insurance often means opting for lower coverage, which can be great for your wallet, but it may not be enough if an accident happens.
Considering the cheapest homeowner insurance companies may be beneficial if saving on premiums is your goal. The best cheap option is different from the cheapest because it balances cost with service quality.
Best CheapTravelers
MoneyGeek Score:
95/ of 100
Overview
Travelers is the best cheap company with high scores in affordability and satisfaction. It offers comprehensive home insurance with scheduled personal property and personal property replacement cost add-ons. You can save with discounts like bundle and newly purchased home. For example, you can get a discount if you buy a new home.
Travelers offers useful coverages like personal property replacement cost, which helps replace items without losing value. Energy efficiency upgrade coverage helps rebuild with green materials. These coverages make Travelers a great choice for homeowners.
Estimate Your San Jose Home Insurance Costs Online
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Rates updated:
Dec 23, 2024
Several factors, including location, affect homeowners insurance in San Jose. Comparing insurance rates can help you save money but can take time. Each company's comparison may take around 15 minutes, and looking at three or more means over an hour of research. Use MoneyGeek's home insurance calculator to save time by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, and liability to get a rate estimate.
Cheapest Home Insurance in San Jose, CA
Travelers is the best option in San Jose, California, for budget-friendly home insurance. The primary aspect affecting premiums is the dwelling coverage you select.
- For 100K Dwelling Coverage: Travelers: $321 per year
- For 250K Dwelling Coverage: Travelers: $583 per year
- For 500K Dwelling Coverage: Travelers: $1,045 per year
Travelers stands out in San Jose, California, due to its low cost of $321 annually with the top score of 95. It is also the most affordable at $583 for 250K, maintaining a high score. For 500K, it stays wallet-friendly at $1,045, again leading in the score. Getting the cheapest homeowners insurance in California can ease financial planning.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Travelers | $321 |
| Allstate | $351 |
| Farmers | $374 |
| Capital Insurance Group | $554 |
| State Farm | $612 |
| Chubb | $629 |
| Nationwide | $661 |
Cheapest Home Insurance for High-Value Homes in San Jose, CA
Travelers is the best option for high-value home insurance in San Jose, California, offering the most affordable rates. High dwelling coverage is crucial to cover costly home replacements, which causes home insurance costs to rise.
- Cheapest for $750K Dwelling Coverage: Travelers: $1,569 per year
- Cheapest for $1M Dwelling Coverage: Travelers: $2,090 per year
The low-cost option provided by Travelers for home insurance in San Jose is due to its competitive premiums. According to MoneyGeek, Travelers also excels in customer satisfaction, making it not only affordable but also a wise choice.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Travelers | $1,569 |
| Allstate | $1,798 |
| Capital Insurance Group | $2,321 |
| State Farm | $2,993 |
| Farmers | $3,164 |
| Nationwide | $3,352 |
| Chubb | $3,610 |
Cheapest Home Insurance for New Homes in San Jose, CA
Travelers offers the cheapest home insurance for new homes in San Jose, California.
- Cheapest for $100K Dwelling Coverage: Travelers: $171 per year
- Cheapest for $250K Dwelling Coverage: Travelers: $293 per year
- Cheapest for $500K Dwelling Coverage: Travelers: $506 per year
Travelers stands out as the most affordable choice in San Jose. Its low cost may also align with the best rating by some measures, though this isn't always the case. It's key to ensure you're adequately covered when selecting insurance.
Data filtered by:Results filtered by:
Select
Coverages:1 - $100K Dwelling
| Travelers | $171 |
| Farmers | $178 |
| Nationwide | $273 |
| Allstate | $275 |
| State Farm | $306 |
| Capital Insurance Group | $361 |
| Chubb | $511 |
How to Find the Best Home Insurance for You in San Jose, CA
Affordable homeowners insurance providers balance quality and cost by offering great customer service and coverage with low premiums. The best cheap homeowners insurance in San Jose depends on your needs. Consider factors like coverage options, customer service, and company reputation. Follow these steps to get the best cheap home insurance.
- 1
Evaluate Your Insurance Needs
Determine how much home insurance coverage you need by considering factors like rebuilding costs and personal property value in San Jose, California.
- 2
Compare Different Providers
Look into insurance companies serving San Jose, California. Focus on their financial stability and customer reviews.
- 3
Compare Coverage and Costs
Once you know your needs, compare home insurance quotes. In San Jose, California, premiums for $100K dwelling coverage range from $321 to $612 annually.
- 4
Ask About Discounts
Inquire about potential discounts for things like bundling policies or having a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can lower your premium. Ensure it's an amount you can manage.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can reduce your insurance costs.
- 7
Maintain Good Credit
Maintain a good credit score, as it can influence your insurance rates in San Jose, California. Pay bills promptly and keep debt low.
- 8
Bundle Policies
Consider combining your homeowners insurance with auto insurance for potential savings.
FAQ: Best Cheap Home Insurance in San Jose, CA
The best cheap home insurance provider for you in San Jose depends on your coverage needs and budget. Get answers to common questions about finding the best cheap insurance rates in San Jose, California.
How much is home insurance in San Jose, California, on average?
The average cost of home insurance in San Jose, California, is $418.
What is the cheapest home insurance company in San Jose, California?
The cheapest home insurance company in San Jose, California, is Travelers with an annual premium of $321.
What is the best home insurance company in San Jose, California?
The best home insurance in California for San Jose residents is provided by Travelers, with a MoneyGeek score of 90 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.