Berkeley is located in Alameda County in California. The city got its name from 18th century Irish bishop and Philosopher George Berkeley. The residents of Berkeley preach liberal politics and free speech. The city is home to the University of California Berkeley. The campus has an ethnically diverse community and number of attractions.
People often misinterpret the city to be just a university town, filled with liberal agendas, etc. But when you actually live in the city, you will notice that it has a diverse community with different ideas, thoughts, and thoughts. When you will start to explore the city, you will find the hidden gems, such as superb theaters, restaurants, and shops. The Downtown Arts District has the city’s most popular theaters, music, and art stops. The restaurant owners in the city pride themselves for serving a mix of local delicacies with a global twist. There are many other places that offer good value for good food such as, Cheese Board Pizza, Picante, and Vik’s Chaat Corner.
As of 2021, the total population of Berkeley, CA is 121,485, and the homeownership rate is 42.9%, with a median home value of $845,400. Berkeley residents are always looking for affordable Berkeley homeowners insurance premiums to protect their homes from damages caused by unforeseen disasters. Whether you are looking for a new homeowners insurance policy in the city or want to switch the current provider, use our Home Insurance Online quote comparison tool and get free insurance quotes from top-rated insurance companies.
Buying homeowners insurance is important regardless of the city you live in. Your home is the biggest investment of your life, and it is vital to protect it against any unforeseen disasters. A standard homeowners insurance policy protects the homeowner’s assets, personal property and covers any medical bills.
The average cost of homeowners insurance in Berkeley, CA, is $1,179, which is lower than the national average.
|Berkeley Average (annual)||Texas Average||United States Average|
When you start looking for affordable Berkeley homeowners insurance premiums, you will notice that rates vary significantly between companies. Horace Mann offers the cheapest homeowners insurance in Berkeley, value at $431.
In the following table, we have listed homeowners insurance rates offered by different insurance providers. Take a look:
|Company||Average Annual Premium Rate|
|Universal North America||$755|
When you purchase homeowners insurance, you need to choose a dwelling coverage limit covering the cost to rebuild or replace your home if it gets damaged due to any covered disaster.
Your Berkeley homeowners insurance premium is directly affected by the dwelling coverage amount. Here’s how different coverage levels affect your annual homeowners insurance rates:
|Coverage Amount||Home Insurance Cost|
|$750,000 to $1000,000||$1,289|
Not every neighborhood has the same insurance rates in Berkeley. If your neighborhood is prone to wildfires, floods, and heavy snow, you will likely have a high homeowners insurance premium. The cost of Berkeley homeowners insurance depends on the local variables like your home location, number of claims submitted in your neighborhood, crime rate, and cost of the property.
Take a look at the table below, as we have listed the homeowners insurance rates in Berkeley, CA, based on different ZIP codes.
|Neighborhood||ZIP Code||Average annual homeowners insurance rate|
When you purchase homeowners insurance, you would be asked to decide a deductible amount. A homeowner insurance deductible is an amount a homeowner agrees to pay the insurance provider before filing a claim. In other words, if you file a claim worth $50000, and your deductible is $500, the insurance company will pay $45000, and you will be responsible for paying the remaining $500.
The following table shows how Berkeley homeowners insurance rates fluctuate based on different deductible amounts.
|Deductible Level||Average Annual Homeowners Insurance Rate|
A standard homeowners insurance policy in Berkeley provides coverage for:
When looking for a homeowner insurance policy in Berkeley, don’t just pay attention to the cost. You should also consider the customer service, claim process, and financial status of the insurance provider.
We compiled a list of the best Berkeley homeowners insurance companies based on J.D. Power Rankings, A.M. Best Ratings, and BBB Ratings.
Best Cheap Homeowners Insurance Company in Berkeley
|Company||J.D. Power Ranking||A.M. Best Rating||BBB rating|
|Nationwide||3 out of 5 stars||A+ (Superior)||A+|
|Farmers||3 out of 5 stars||A+ (Superior)||A+|
|Liberty Mutuals||3 out of 5 stars||A||A-|
|Travelers||5 out of 5 star||A++ (Superior)||A+|
|GEICO||5 out of 5 stars||A++ (Superior)||A+|
|Homeowners Insurance Agency Near Berkeley, CA||Address|
Gary Eason – State Farm Insurance Agent
2150 Shattuck Ave #410, Berkeley, CA 94704
John Kistner – State Farm Insurance Agent
1401 San Pablo Ave, Berkeley, CA 94702
Timothy Carter: Allstate Insurance
2489 Martin Luther King Jr Way, Berkeley, CA 94704
Placer Title Company
1797 Shattuck Ave D, Berkeley, CA 94709
Sukhi Kahlon AAA Insurance Agent
1775 University Ave, Berkeley, CA 94703
Peggy Smith: Allstate Insurance
1758 Solano Ave, Berkeley, CA 94707
The most common reason for homeowners insurance claims in Berkeley is related to weather. Here are common reasons for homeowners insurance claims in Berkeley:
If you want to save money on your Berkeley homeowners insurance, you can try these steps:
The best way to reduce the cost of your homeowners insurance policy is by bundling your home and auto insurance. Bundling can reduce your insurance premium by 20%. Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
Several factors can affect your Berkeley homeowner insurance, such as:
There are a number of factors that can decrease the homeowner insurance in Berkeley, such as:
Most homeowners simply get their homeowners insurance renewed without negotiating the price. When you haggle the price, the provider will probably provide a rate even cheaper than the original premium.
You can use the Insurance Online Quote Comparison Tool to check homeowners insurance rates from different providers, see what kind of discounts they are offering, and decide a final price point to negotiate the insurance policy premium.
When you purchase a homeowners insurance policy in Berkeley, you need to have home inventory on hand. The inventory of your personal items will help you determine the coverage level. We recommend keeping a printed copy of your inventory out of your home, someplace it will be safe.