5 Best San Jose Homeowners Insurance Companies (2025)
Allstate, Travelers, and USAA offer some of the best homeowners insurance policies in San Jose, California.
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Written byAnna Baluch
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Table of contents
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.[1] 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.[2]
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
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $74/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $114/mo |
San Jose has no shortage of green homes. If you own one, Travelers might be worth exploring, as the insurer offers green home coverage. After a covered loss, it can kick in to repair or rebuild your property with eco-friendly materials. Travelers also has a special discount if your green home is certified by Leadership in Energy and Environmental Design (LEED).
Pros
Local agents in San Jose
Discounts for new homebuyers
Personal articles floater for people with high-value items
Cons
Can find cheaper premiums elsewhere
Below-average J.D. Power customer satisfaction rating
Low Trustpilot rating
USAA: Best for military homeowners
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $80/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $109/mo |
San Jose is considered a military-friendly city due to its Military Entrance Processing Station (MEPS) and the Army ROTC programs at San Jose State University. If you ’re an active military member or veteran, USAA may be a solid choice for home insurance. You can get a quote online and take advantage of savings opportunities through the USAA Perks program.
Pros
Replacement cost coverage comes standard
Home Protector add-on available for extra protection
Special perks for military members
Cons
Offered only to the military community
Not accredited by the Better Business Bureau (BBB)
Fewer discounts than competitors
Farmers: Best for personalized service
personalized service
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $59/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $91/mo |
For a more individualized, local service experience, Farmers might meet your needs. The insurer employs many insurance agents throughout the San Jose area. In addition to standard home insurance coverages, Farmers offers add-ons such as water backup and sump pump insurance, valuable item protection, and residence glass coverage.
Pros
Online quotes available
Long list of discounts
Highly rated mobile app
Cons
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot reviews
Must work with an agent to finalize coverage
Allstate: Best for home sharing
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $94/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $153/mo |
San Jose is one of the nation’s most expensive cities, and home sharing isn’t uncommon in the area. If you share a home in San Jose, you might be able to lock in home-sharing coverage from Allstate. Known as HostAdvantage, it covers your possessions when you’re sharing a home.
Allstate also offers a variety of optional coverages to protect your sports equipment, musical instruments, garden items, and more.
Pros
Multiple discounts
24/7 claims filing
Home-sharing coverage available
Cons
Poor Trustpilot rating
Fewer discounts than other insurers
Below-average J.D. Power customer satisfaction rating
Hippo: Best for flood coverage
flood coverage
Hippo
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
Flooding is a huge concern in San Jose, as much of the city is in a high-risk flood zone. If you’re looking for flood insurance for your San Jose home, Hippo might be a good choice. The company partners with quality insurers to provide flood coverage as well as a number of other basic and optional home insurance policies. Once you finalize your policy, you can manage it through Hippo’s highly rated mobile app.
Pros
Online quotes
Variety of discounts
Offers unique add-ons, like mold coverage and wildlife insurance
Cons
Not rated by J.D. Power for customer satisfaction
No bundling discounts, as home insurance is the only product available
Not accredited by the BBB
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.
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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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $516 |
| Pacific Specialty | $600 |
| Cse | $636 |
| Travelers | $660 |
| CSAA | $660 |
| Nationwide | $744 |
| USAA | $768 |
| Auto Club | $768 |
| Capital Insurance Group | $768 |
| Allstate | $780 |
| State Farm | $876 |
| Mercury | $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: Tuesday, October 7 at 12:00 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: Tuesday, October 7 at 12:00 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:[3]
Dwelling coverage
Dwelling coverage pays to repair or rebuild your home after a covered loss. It can also include attached structures, like your garage, deck, or porch.
Personal property coverage
Personal property coverage accounts for the items inside the home, such as furniture, electronics, and clothing. A home inventory can help you understand how much they’re worth and make it easier to file a claim.
Liability coverage
Liability insurance can cover legal fees and damages if someone gets injured on your property. It can also provide coverage if you damage another person’s property.
Additional living expenses coverage
ALE, also known as loss of use coverage, can reimburse you for temporary living expenses, like hotel stays and restaurant meals, if your home is uninhabitable after a disaster.
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.[4]
Floods: Flooding is a major issue in San Jose, as many parts of the city are located in high-risk flood zones.[5] 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.
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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: Tuesday, October 7 at 12:00 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.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- San Jose. "Things to Do."
- City of San Jose. "City Council Focus Areas."
- Insurance Information Institute. "Homeowners Insurance Basics."
- California Air Resources Board. "Wildfires & Climate Change."
- City of San Jose. "Flood Hazard Zones."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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