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Homeowners Insurance coverage in 95117

If you are a homeowner in 95117 or San Jose, CA you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in San Jose.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 95117.

Learn more about our homeowners insurance shopping service by selecting the best San Jose, CA Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 95117?

Residents of San Jose have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in California? While California is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, California comes in at 24 in the country for homeowners insurance premiums.

If you are living in 95117 zipcode, expect to pay around $1056 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in San Jose does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

95117 Home Insurance Average Premiums

Local 95117 homeowners insurance quotes comparison

$806 /yr.

Shows Zip Code: 95117 lowest rates with discounts applied on average.

For the 95117, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$806 /yr.
Average Coverage:$1056 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1356 /yr.

What is the average home insurance cost for a home in 95117?

  • • The average homeowners insurance premium paid annually for a home in 95117 is around $1056 per year.

What does it cost on average per month for home insurance in 95117?

  • • Homeowners in 95117 pay a monthly average cost per month around $88.00.

What kind of discount could I get if I combine my home and auto insurance together in 95117?

  • • Autoowners in 95117 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the San Jose area, check out other zip codes nearby 95117.
Review average rates in another zip code:
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95117 homeowners insurance rates

Home Replacement Cost Coverage in 95117

Average Building Cost Per Square Foot in 95117: $324

Location: San Jose, California (Santa Clara County)

Average Square Footage in 95117: 3,522 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95117 before you start any project. San Jose homeowners pay on average around $324 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 95117 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 95117 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,522 sq. ft. and the average cost to rebuild the home in this area is around $324 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the San Jose area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$3243,522$1,141,000
Additional Upgrades & Added Features$4053,522$1,426,250
Major Home Updates or Advancements$4863,522$1,711,500

It's important to understand that when you estimate your replacement cost of your home in the 95117 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 95117

Best Home & Auto Insurance Agencies in 95117

Allstate Insurance-Richard Hong

Address: 3275 Stevens Creek Blvd, #301 San Jose, CA 95117
Phone:
Website: http://www.agent.allstate.com/82986
Info:

Housing Demographics for 95117

Population Review for 95117 Zip Code

For the city of San Jose, the population within 95117 has increased to over 30,985 residents in population size. The current population total is 30,137. We have broken down the population based on race below. In 95117, there are over 15207 in male population and 14930 females.

PopulationValues
Total Population30,137
White Population8932
Black Population1754
Hispanic Population10756
Asian Population8362
Hawaiian Population222
Indian Population486
Other Population6563
Male Population15207
Female Population14930
Population Estimate30985

Household Data for 95117

The average number of homes in 95117 is around 10,720, there are an average of 2.79 per household. The average house value according to local real estate values is around $1,141,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,720
Persons Per Household2.79
Average House Value$1,141,000
Income Per Household$107972
Median Age35.7
Median Age Male35.0
Median Age Female36.6
95117 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code408
CitySan Jose
City Alias NameSAN JOSE
CountySanta Clara
County FIPS085
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA7400
CSA488
CBSA41940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSan Jose-Sunnyvale-Santa Clara, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameSan Jose, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses408
Number Of Employees3232
Business First Quarter Payroll43043
Business Annual Payroll199705
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1836911
CBSA Division Population0
Congressional District16|17
Congressional LandArea2839.51|184.85
Delivery Residential11106
Delivery Business427
Delivery Total15677
Preferred Last Line KeyZ22814
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_Name
City State KeyZ22814
Land Area2.320000
Water Area0.000000
City Alias Code
City Mixed CaseSan Jose
City Alias Mixed CaseSan Jose
Box Count0
SFDU4200
MFDU1741
State ANSI06
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number056834
Unique ZIP Name
SSA State County Code05530
Medicare CBSA Code41940
Medicare CBSA NameSan Jose-Sunnyvale-Santa Clara, CA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseSanta Clara

California Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]