Daly City, CA Homeowners Insurance

Owning a home is a huge investment. An important aspect of homeownership is getting homeowners insurance. Are you wondering about the rates of homeowners insurance in Daly City? Look no further.

Daly City was named after a famous businessman and landlord John Donald Daly. The city is progressing at a fast speed and is currently home to a population of 107,214. It is a famous tourist spot and was earlier called the Gateway of Peninsula. This guide makes getting homeowners insurance in Daly City easier. Read on to know more about Daly City’s cheapest homeowners insurance providers.

What Is The Average Cost Of Homeowners Insurance In Daly City?

The average cost of homeowners insurance in Daly City, CA is $990 per year, lower than the state and national average. 

Average Homeowners Insurance Premium in Daly City Vs State and National Averages

PlaceAverage Homeowners Insurance Premium
Daly City$990
California$1,147
USA$1,539

With the right research and comparison, you can make sure that you get the best deal for your homeowners’ insurance. This guide will list down the important factors you should consider before getting your Daly City homeowners insurance.

Cheapest Daly City Homeowners Insurance By Company

Tokio Marine America homeowners insurance premium is by far the cheapest at $399 per year. However, depending on your requirements, other insurance companies might be a better choice.

Homeowners Insurance Rates In Daly City By Company

Insurance CompanyAverage Insurance Rate (Yr)
Tokio Marine America$399
Pacific Speciality$522
Stillwater Prop & Cas Company$574
Mercury Ins Group$601
Stillwater Ins Company$615
Universal North America$657
CSAA Ins Exch$679
Travelers$682
Wawanesa$685

Homeowners insurance in Daly City, CA would be expensive if you are buying it from Travelers or Wawanesa. The insurance premium with these companies would be $682 and $685 respectively.

Daly City Homeowners Insurance By Home Value

The most number of homes in Daly City have a home value of  $300,000 – $400,000. There are 1,324 homes in this category. The average homeowners’ insurance premium is $408 for a home value of $300k – $400k.

Homeowners Insurance Rates in Daly City By Home Value

Home ValueNumber of HomesAverage Insurance Premium
Less than $50k207$28
$50k – $60k93$66
$60k – $70k95$75
$70k – $80k77$87
$90k – $100k51$109
$100k – $125k116$124
$125k – $150k91$163
$150k – $175k245$187
$175k – $200k68$220
$200k – $250k346$255
$250k – $300k578$317
$300k – $400k1,324$408

Cheapest Homeowners Insurance In Daly City By Dwelling Coverage

 

  • $300,000 Dwelling Coverage (7- to 15-Year-Old Home) 

Tokio Marine America provides the cheapest Daly City homeowners insurance with $300k dwelling coverage for a 7- to 15-year-old home at $344. 

CompanyAverage Insurance Premium
Tokio Marine America $344
Stillwater Ins Group$465
Pacific Speciality$486
Integon/National$558
Mercury Ins Group$562
  • $400,00 Coverage (Newly Constructed Home)

For newly constructed homes with $400k dwelling coverage, Stillwater Ins Group has the cheapest Daly City homeowners insurance rates at $299.

CompanyAverage Insurance Premium
Stillwater Ins Group$299
Tokio Marine America$350
Stillwater Prop & Cas Co.$367
Pacific Property & Casualty$384
Universal North America$392
  • $400,000 Coverage (7- to 15-Year-Old Home)

For 7- to 15-year-old homes with $400k dwelling coverage, Tokio Marine America provides the most affordable homeowners insurance rates at $452. 

CompanyAverage Insurance Premium
Tokio Marine America$452
Stillwater Ins Group$598
Pacific Speciality$625
Mercury Ins Group$709
Universal North America$738

Daly City Homeowners Insurance Premium By Neighbourhood

Daly City homeowners insurance can range from $595 to $669, depending on which neighborhood the house is located in. Homeowners’ insurance rates in Daly City differ by location due to a lot of risk factors. The number of insurance claims being filed in the area, the number of homes in the area, and the local crime rate are just a few factors that affect the rates.

List Of Homeowners Insurance Premiums in Daly City By Neighbourhood

Street Names in Daly City, CAAverage Insurance Cost
Stoneyford Dr, Hoffman St, Hoffman St, Shelter Ln,  Irvington St, Westmont Dr$596
Margate St, Philip Dr, Cerro Dr, Muirwood Dr, Santa Rita Ave, John Daly Blvd, Peoria St$645
Lakewood Dr, Acton St, Abbot Ave, Wildflower Ct, Ardendale Dr, Vista Grande Ave$654
Woodside Ave, Sylvan St, Macarthur Dr, Ford St, Bruno Ave, Upland Ave$657
S Park Plaza Dr, Sea View Dr, Belmar Ave, Northridge Dr, Simpson Dr, Plymouth Cir, Northgate Ave$669

The cheapest neighborhood for homeowners insurance in Daly City costs $596 whereas the most expensive neighborhood costs $669 in Daly City, CA.

Best Homeowners Insurance Companies In California

Top Rated Homeowners Insurance Companies In California

Rating CompanyMercury InsStatefarmAllstateUSAA
BBB RatingA+AA+B+
JD Power RatingNIL4/54/55/5
NAIC ValueNIL0.250.300.18
AM Best RatingAA++A+A++

Who Are The Best Homeowners Insurance Agents In Daly City, CA?

It is always the right thing to ask your insurance agent each and every detail about your homeowners’ insurance policy. Always ask them about the replacement cost of your home, the coverage limit you’ll get, and in case of an accident such as fire or theft, how will the company help you in filing a claim.

Best Daly City Homeowners Insurance Agents 

COMPANYAddress
Allstate801 Lincoln Way Ste A, San Francisco, CA, 94122
Allstate43138 Christy St Ste 102, Fremont, CA, 94538
Allstate1300 Grant Ave Ste 104, Novato, CA, 94945
Travelers6155 Almaden Expy STE 410, San Jose, CA, 95120
State Farm15200 Hesperian Blvd Ste 102, San Leandro, CA, 94578-3955

Daly City Homeowners Insurance Discount For Senior-Occupied Homes

Senior occupied homes in Daly City, Broadmoor, Brisbane, and San Bruno get a discount ranging from $99 – $101. In Daly City, senior occupied homes get a discount of $99 on their homeowners’ insurance. 

Homeowners Insurance savings for Senior Occupied homes in Daly City, CA

CityAverage Insurance Savings
Daly City$99
Broadmoor$97
Brisbane$101
San Bruno$100

What is The Discount on Bundling Homeowners Insurance With Car Insurance in Daly City?

One car insurance along with Daly City homeowners insurance from the same company can help you in getting a discount of $99 in Broadmoor and Colma Town, CA. Two car insurance bundles will help you save anywhere between $130 – $135.

Bundle PolicyX1 Car InsuranceX2 Car InsuranceX3 Car Insurance
Broadmoor CDP, CA$99$133$199
Colma Town, CA$99$133$199
Brisbane City, CA$101$135$202

Daly City Homeowners Insurance Cost By Company  In Different Scenarios 

Coverage Age Of HomeCompanyAverage Homeowners Insurance Rate
$150k1-3 YearsChubb/Federal$808
$150k4-6 YearsAIG Prop Cas$883
$150k4-6 YearsFirst American Ins$517
$150k1-3 YearsHorace Mann P & C$415
$250kNewFarmers (Fire Ins)$545
$250k4-6 YearsForemost Insurance$927
$250kNewForemost Insurance$858
$300kNewWawanesa$441
$300k1-3 YearsKemper$599
$300k4-6 YearsForemost Insurance$1111
$750kNewHorace Mann$1639

What Is The Procedure To Get A Homeowners Insurance In Daly City, CA?

a.) Reach out to a homeowners insurance agent/agency in Daly City, CA:

This guide has provided the contact details of the best homeowners insurance agents in Daly City, CA. Reach out to one of them and explain your insurance needs to the agent.

b.) Decide your insurance policy’s coverage and deductible amount:

The coverage you choose and the deductible amount in your policy will have an impact on the insurance premium you end up paying. So it is important to choose the right coverage and homeowners deductible amount. 

c.) Compare different policies and choose which suits you the best:

Once you have contacted insurance agents and have compared the cost of different Daly City homeowners insurance policies, choose the one which suits you the best.

Resource Links For California Homeowners Insurance

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Daly City, CA Homeowners Insurance FAQs

The average cost of homeowners insurance in Daly City, CA is $990 per year, that is, $83 every month.

Homeowners insurance is a good investment that will protect your happy place from unexpected accidents that can destroy your home. This includes fire, weather damage, theft, robbery, etc.

Anywhere between $99 to $202. If you need one car insurance, you can get a discount of $99. If you need two or more car insurance bundles, then the discount can reach up to $202.

Tokio Marine America homeowners insurance premium is $399 per year. This is a good starting point and is definitely one of the cheapest insurance rates in Daly City, CA.

By always doing your own research. You must compare various Daly City homeowners insurance companies not only based on their price, but you should also check the coverage levels they offer and then make a decision based on your requirements. 

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