5 Best San Jose Homeowners Insurance Companies (2025)
Allstate, Travelers, and USAA offer some of the best homeowners insurance policies in San Jose, California.
Secure. Free. Easy-to-use.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Situated in the Santa Clara Valley in California, San Jose is known as one of the safest big cities in America, with sunshine almost every day of the year.[?] Here, homeowners pay an average of $1,692 annually for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
This rate is lower than the statewide average of $2,160 per year for the same coverage, possibly due to the city’s emphasis on safety through emergency response and crime prevention.[?]
To lock in a good deal on homeowners insurance in San Jose, be sure to shop around and compare multiple quotes. Here’s what you need to know about home insurance in San Jose.
Quick Facts
Homeowners in San Jose pay an average of $1,583 per year for a $300,000 policy with a $500 deductible.
San Jose residents should consider flood coverage from a private insurer or the National Flood Insurance Program (NFIP), as flooding is a serious risk in the area.
Home insurance rates in San Jose are cheaper than in other parts of California, despite the city’s higher cost of living.
Best home insurance companies in San Jose
Many reputable home insurance companies serve homeowners in San Jose. But the best home insurance company for you will depend on your unique budget, needs, and personal preferences.
To help you with your search, here are five of the best home insurance companies in San Jose.
Travelers: Best for green homes
USAA: Best for military homeowners
Farmers: Best for personalized service
Allstate: Best for home sharing
Hippo: Best for flood coverage
Our editorial team analyzed regional and national home insurance companies that sell policies in San Jose to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in San Jose?
Home insurance in San Jose costs an average of $1,692 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is lower than California’s average annual premium of $2,160 for the same coverage.
Many parts of San Jose are susceptible to flooding, so you may want to buy stand-alone flood insurance through a private insurer or from the NFIP in addition to your standard policy.
Find Home Insurance in San Jose
Compare rates from the nation’s leading insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest home insurance companies in San Jose
Fortunately, it’s possible to get a great deal on home insurance rates in the area. Here’s a look at the cheapest home insurers in San Jose.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $516 |
| Pacific Specialty | $600 |
| Cse | $636 |
| CSAA | $660 |
| Travelers | $660 |
| Nationwide | $744 |
| Auto Club | $768 |
| Capital Insurance Group | $768 |
| USAA | $768 |
| Allstate | $780 |
| Mercury | $876 |
| State Farm | $876 |
| Foremost | $1,128 |
| AIG | $1,164 |
| Encompass | $1,176 |
| Grange | $1,188 |
| Chubb | $1,236 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $1,092 |
| Cse | $1,176 |
| USAA | $1,308 |
| Travelers | $1,368 |
| Pacific Specialty | $1,428 |
| CSAA | $1,488 |
| Nationwide | $1,584 |
| Capital Insurance Group | $1,596 |
| Mercury | $1,644 |
| Allstate | $1,836 |
| State Farm | $1,884 |
| Auto Club | $1,956 |
| Chubb | $2,676 |
| AIG | $2,688 |
| Grange | $2,748 |
| Encompass | $2,772 |
| Foremost | $3,024 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $1,572 |
| Cse | $1,644 |
| USAA | $1,944 |
| CSAA | $2,052 |
| Travelers | $2,088 |
| Pacific Specialty | $2,208 |
| Capital Insurance Group | $2,352 |
| Mercury | $2,352 |
| Nationwide | $2,352 |
| State Farm | $2,712 |
| Allstate | $2,724 |
| Auto Club | $3,000 |
| Chubb | $3,684 |
| AIG | $3,984 |
| Grange | $3,984 |
| Encompass | $4,164 |
| Foremost | $4,860 |
How much homeowners insurance do you need in San Jose?
To determine how much home insurance you need, consider the following parts of a standard home insurance policy:[?]
What to know about home insurance in San Jose, CA
As a San Jose resident, you should familiarize yourself with the risks and natural disasters that may affect your home, including:
Wildfires: Wildfires are a rising concern in California, and San Jose isn’t immune to them. For this reason, it’s smart to review and adjust your policy limits frequently to keep up with the fluctuating rebuilding costs that occur after fires spread.[?]
Floods: Flooding is a major issue in San Jose, as many parts of the city are located in high-risk flood zones.[?] Standard home insurance won’t cover flood damage, but you can buy stand-alone flood insurance from a private insurer or the NFIP.
Extreme heat: Extreme heat is one of the most significant climate risks in San Jose, according to the city’s website. While heat waves might damage your home, your insurance likely won’t pay for any damages, as insurers consider this normal wear and tear.
Compare San Jose Home Insurance Quotes
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Average cost of home insurance in other cities in California
Your location, down to the ZIP code, plays a role in your home insurance premiums. When calculating your premiums, insurers will factor in things like your proximity to fire stations, crime rates in your area, and notable weather patterns. For example, if you live in a high-risk flood zone, you’ll likely pay more for coverage.
This table shows how rates in San Jose compare to other cities in California.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| San Jose | $1,692 |
| Santa Rosa | $1,692 |
| Vallejo | $1,764 |
| Modesto | $1,776 |
| Salinas | $1,824 |
| Bakersfield | $1,896 |
| Sacramento | $1,908 |
| San Francisco | $1,908 |
| Visalia | $1,944 |
| Stockton | $1,992 |
| San Diego | $2,028 |
| Oxnard | $2,040 |
| Santa Maria | $2,064 |
| Fresno | $2,220 |
| Riverside | $2,328 |
| Los Angeles | $3,048 |
San Jose homeowners insurance FAQs
If you still have questions about how to find the most affordable home insurance in San Jose, check out the additional information below.
Homeowners insurance in San Jose costs an average of $141 per month for $300,000 of coverage with a $1,000 deductible, according to Insurify data. But if you add on flood insurance, which is important since the city is very prone to flooding, you’ll pay higher rates.
Farmers offers the cheapest home insurance in California. Its average rate is $59 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The best home insurer in San Jose depends on your unique situation. If you’re part of the military, for example, USAA may be a strong choice. But if you have a green home, you might be better off with Travelers as the insurance company offers special coverage and discounts for eco-friendly properties.
Home insurance in California costs an average of $255 per month for a policy with $500,000 in dwelling coverage, according to Insurify data.
Insurance companies will look at your home’s replacement value rather than its purchase price or market value to determine your premiums. This depends on several factors, like crime rates, construction costs, and weather conditions in your California city or town.
The location of your home, including its ZIP code and proximity to fire stations, can influence your premiums. Your insurers also consider the physical features of your home, such as its age, number of stories, and roof style. Your desired coverage levels and deductible also affect your home insurance premiums.
)
Insurance Writer
)
)
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
){kind=small}
){kind=small}