Fremont, CA Homeowners Insurance

Fremont is located in Alameda County and shares its shores with San Francisco Bay. It’s one of the largest cities in the San Francisco Bay area. Fremont was incorporated in 1956 and was named after an American explorer, John C. Fremont. 

Fremont is a bustling city with a rich history and tons of attractions. This agricultural city is home to 1000 acres – Coyote Hills Regional Park that offers miles of hiking trails and rolling hills. The Don Edwards San Francisco Bay National Wildlife Refuge also offers scenic landscapes. Central Park is the best place for families who want to spend quality time while enjoying outdoor activities. The Downtown Container Park showcases an open-air shopping center that has boutiques, restaurants, and live performances.  

As of 2021, Fremont has a total population of 235,740, and 68,237 housing units, with a homeownership rate of 61.6%. The median home value in Fremont is $714,899. If you are currently living in Fremont or planning to move to the city, it is wise to purchase Fremont homeowners insurance to protect your house from financial damages caused by weather, theft, or fires. 

Finding dependable coverage for your home can be an overwhelming task. That’s where we can help you. Before you purchase your policy, compare insurance quotes from different insurance providers. Simply use our Home Insurance Quote Comparison Tool and get free insurance quotes. 

Average Homeowners Insurance Cost in Fremont

Although it is not legally required to buy homeowners insurance, your mortgage company would need you to purchase one before closing. When you start looking for Fremont homeowners insurance policy, you must compare prices and coverages offered by different providers. It is always good to negotiate the premium cost to obtain the right coverage at the right cost. 

In Fremont, the average cost of a homeowners insurance policy is $810, which is significantly lower than the national average homeowners insurance cost.

Fremont Homeowners Insurance Rates Compared to State and National Averages

Fremont Average Homeowners Insurance Cost  (annual)California AverageUnited States Average
$810$1,173$1,444

Fremont Homeowners Insurance Premiums by Company

When you start comparing Fremont homeowners insurance rates, you will notice that price fluctuates greatly from one company to another, even for the same coverage levels. 

In Fremont, Mercury offers the cheapest homeowners insurance premium at $470, which is relatively lower than the city’s average premium rate. 

Have a look at the following table to check homeowners insurance rates offered by different insurance providers. 

Fremont Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Mercury$470
Allstate$580
USAA$652
State Farm$661
Nationwide$677
Farmers$832
Horace Mann$889

Fremont Homeowners Insurance Rates by Coverage Amount  

Fremont homeowners insurance premium is directly affected by the chosen coverage level. The dwelling coverage amount is used to pay to replace or repair your house and other personal belongings in an unforeseen disaster. 

In the table, we have listed Fremont homeowners insurance rates based on different coverage levels. Have a look.

Homeowners Insurance Rates in Fremont by Coverage Limits

Dwelling Coverage AmountHome Insurance Cost
$100,000$204
$200,000$285
$300,000$559
$400,000$734
$500,000$883
$750,000 to $1000,000$1,267

Fremont Homeowners Insurance Rates by ZIP Codes

Your homeowners insurance premium in Fremont may vary from neighborhood to neighborhood. Insurance companies use different local variables to calculate your homeowners insurance cost, which is why you can see huge differences between homeowners insurance prices. 

We have calculated homeowners insurance premiums in Fremont based on ZIP codes. Take a look at the table below. 

Cost of Homeowners Insurance in Fremont by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Craycroft Dr94539$806
Greenwood Dr94536$809
Lake Woodland Cmn94555$810
Murray Cmn94538$825

Popular Home Insurance Deductibles in Fremont 

When you purchase homeowners insurance in Fremont, you would need to decide on a deductible amount. A homeowner insurance deductible is an amount a homeowner agrees to pay the insurance provider before they payout on a claim. 

Refer to the table below and see how Fremont homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in Fremont based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$847
$1,000$752
$1,500$709
$2,000$643
$5,000$540

Homeowners Insurance Coverages Available in Fremont 

A standard homeowners insurance policy in Fremont provides the following coverages:

  • Dwelling Coverage: Your homeowner’s insurance policy provides coverage against the damage caused to the structure of your house by fire, hurricanes, vandalism, and other covered peril. 
  • Other Structure Coverage: Homeowners insurance in Fremont also covers the structures attached to your home, such as a garage or shed. 
  •  
  • Personal Property Coverage: Homeowners insurance covers all the personal property that’s inside or outside your house. 
  • Personal Liability Coverage: If your son or a dog was responsible for causing an injury to someone or their property, your insurance would cover it. 
  • Medical Expenses Coverage: If a guest gets injured at your house, your homeowner insurance will be responsible for paying for their medical expenses.   

Best Home Insurance Companies in Fremont 

When you are looking for a homeowners insurance policy in Fremont, price is not the only factor you need to consider. You should also consider checking the insurance company’s customer satisfaction rates, claim process, and financial stability.  

Take a look at the table below. We have listed the best-rated homeowners insurance companies in Fremont based on J.D. Power Rankings, A.M. Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Fremont

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
Farmers  3 out of 5 starsA+ (Superior)A+
Allstate 3 out of 5 starsA++ (Superior)A+
Nationwide 3 out of 5 starsA+ (Superior)A+
Liberty Mutuals 3 out of 5 starsAA-
Travelers 5 out of 5 starA++ (Superior)A+

Top Homeowners Insurance Agents in Fremont

Homeowners Insurance Agency Near FremontAddress
State Farm Insurance Agent38259 Fremont Blvd, Fremont, CA 94536, United States
State Farm Insurance Agent38750 Paseo Padre Pkwy Ste A3, Fremont, CA 94536, United States
Freeway Insurance37555 Dusterberry Way Ste 1, Fremont, CA 94536, United States
State Farm Insurance Agent3650 Thornton Ave, Fremont, CA 94536, United States
GEICO Insurance Agent43921 Hugo Terrace, Fremont, CA 94538, United States
Farmers Insurance833 Corporate Way, Fremont, CA 94539, United States

Common Causes of Home Insurance Claims in Fremont 

The most common reason for homeowners insurance claims in Fremont is related to weather, such as:

  • Damages caused to the exterior of the house 
  • Frozen pipes, pipes bursting, and appliance or equipment failure
  • Damages caused by the movement of the earth
  • Water damages caused by rain, snow, or ice
  • Theft and burglary

Money-Saving Tips for Fremont Homeowners Insurance 

If you are looking for enhanced homeowners insurance in Fremont, you don’t have to compromise with the price. There are ways that can help you to lower your Fremont homeowners insurance premium. 

You may qualify to get discounts for installing smoke detectors, burglar alarms, and deadbolts. One of the best ways to reduce your cost is bundling your auto and home insurance policies. Bundling can help you reduce your insurance premium cost by 20%. 

Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums. 

Auto & Homeowners Insurance Bundling Discounts in Fremont

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,112
Mercury$1,133
Farmers$1,458
CSAA$1,665
Allstate$1,692

Special Resources for Residents of Fremont: 

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Fremont, CA Homeowners Insurance FAQs

When your lending company approves a loan on your house, they will ask you to prove homeowners insurance. Fremont homeowners insurance will ensure that their investment is protected from the perils, such as fire, theft, burglary, etc. In some cases, the lender might ask you to purchase flood and earthquake insurance. 

Your homeowners insurance must cover the damages caused by wind, hail, fire, and vandalism. The coverage should be enough to replace your home in the event of damages caused by covered perils. 

Fremont homeowners insurance policies cover the insurer against fire, theft, vandalism, hail, wind, hurricane, windstorm, and water damages caused by appliance failure. It does not cover the damages caused by earthquakes, wildfires, and floods.

To claim your insurance policy, you need to make an FIR to the Fremont police department to produce this document and then inform your insurance company on the phone or by sending an email.

There are many factors that are considered by the insurance company before offering a premium cost. Several reasons can lead to an increase in your homeowners insurance premium, such as:

  • You may have filed an insurance claim
  • You may have added attractive nuisances
  • Inflation
  • Construction cost changed in your area
  • Your insurance score and credit score dropped

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