Updated: November 25, 2024
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In Santa Clara, California, Travelers excels both overall and as the cheapest for home insurance. For top-notch customer service, Chubb leads the way. Each company offers unique advantages, so it's important to pick based on your preferences.
These companies cater to different needs, and the best cheap home insurance depends on factors like coverage, price, and service quality.
Best HomeInsuranceSanta Clara, CATable of Contents
Why Trust MoneyGeek? Our recommendations for the best homeowners insurance in Santa Clara use data from California's Department of Insurance and Quadrant Information Services. We rely on this solid industry data.
Home insurance premiums in Santa Clara represent the most competitive rates available as of September 2024.
MoneyGeek found that Travelers is the best option for home insurance in Santa Clara, California, for 100K dwelling coverage, with a MoneyGeek score of 90 out of 100. The scores for home insurance companies in Santa Clara range from 42 to 90. These figures reflect MoneyGeek's scoring system, which can change based on factors like credit history and home age.
| Travelers | 90 | $312 |
| Farmers | 83 | $329 |
| Allstate | 82 | $319 |
| Chubb | 62 | $664 |
| State Farm | 60 | $615 |
| Nationwide | 59 | $612 |
| Capital Insurance Group | 42 | $580 |
MoneyGeek found that Travelers is the best option in Santa Clara, California, for $100K dwelling coverage. The two best overall home insurance companies in Santa Clara for $100K dwelling coverage are:
Travelers stands out as the best home insurance provider because it offers affordable rates and high customer satisfaction, which greatly contribute to its MoneyGeek score.
In Santa Clara, California, various companies offer different cost and service experiences. While cost is crucial, consider other factors like customer service and coverage options, as these may impact your experience when making claims.
Travelers scores high in affordability and coverage, making it a top choice. It offers comprehensive home insurance with energy efficiency upgrade and personal property replacement cost. Discounts like green home and newly purchased home can help you save. The green home discount offers up to 5% savings for LEED-certified homes.
Travelers provides useful coverages like scheduled personal property, which protects valuable items like jewelry. Personal property replacement cost covers losses without depreciation, ensuring you get the full value. The energy efficiency upgrade helps rebuild with green materials, promoting sustainability. These coverages offer valuable protection for homeowners.
MoneyGeek found that Chubb is the best option in Santa Clara, California, for the best customer service in home insurance with 100K dwelling coverage. Here are the top two providers for $100K dwelling coverage:
Chubb ranks as the top provider due to its high customer satisfaction and the value of its coverage options. It scores especially well because of its focus on keeping customers happy and covering what they need. You should choose Chubb for your home insurance because it's dedicated to providing caring service and comprehensive coverage. Excellent service in home insurance means offering fast, helpful support and clear, effective coverage when you need it most.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance coverage with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. New homeowners can qualify for these savings.
Chubb provides useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed limits. Building ordinance or law covers costs to meet current codes. Cash settlement offers a payout if you choose not to rebuild. These coverages are valuable for protecting your home.
MoneyGeek found that Travelers is the best cheap home insurance option in Santa Clara, California. The top two best cheap insurance providers for $100K dwelling coverage are:
When it comes to the average cost of homeowners insurance in California, Travelers stands out due to its high affordability and solid customer satisfaction scores. However, cheap home insurance often means opting for lower coverage, which is budget-friendly but might not be enough if major accidents happen.
In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. While the best cheap home insurance offers good value, the cheapest home insurance may sometimes offer more limited features.
Travelers scores high on MoneyGeek due to its affordability and customer satisfaction. It offers comprehensive home insurance with scheduled personal property and personal property replacement cost coverages. You can save with discounts like bundle, which offers up to 12% savings when you have multiple policies.
Travelers provides useful coverages like personal property replacement cost, which helps replace items without depreciation. Scheduled personal property covers valuable items like jewelry. These coverages protect your home and belongings, making Travelers a smart choice for homeowners.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 13, 2024
Several factors, including location, affect homeowners insurance in Santa Clara. Comparing rates is key to saving but can take time—up to 15 minutes per company. Comparing three or more can mean over an hour of research. MoneyGeek’s home insurance calculator helps you save instantly by focusing on important factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and a few other factors for a rate estimate.
MoneyGeek's analysis reveals that Travelers is the most affordable home insurance provider in Santa Clara, California. The primary factor affecting insurance premiums is the dwelling coverage you opt for.
Travelers leads in affordability and tops the MoneyGeek ratings for its cost-effectiveness and high service score in Santa Clara, California. Opting for cheap home insurance in California can help manage your finances. Explore the cheapest homeowners insurance in California for more details.
| Travelers | $312 |
| Allstate | $319 |
| Farmers | $329 |
| Capital Insurance Group | $580 |
| Nationwide | $612 |
| State Farm | $615 |
| Chubb | $664 |
Travelers is the best option in Santa Clara, California, for high-value homes insurance. High dwelling coverage is necessary for homes that cost more to replace as
Travelers is the top choice for high-value homes in Santa Clara due to its competitive rates. According to MoneyGeek, while Travelers offers the lowest prices, it also stands out as a top performer.
| Travelers | $1,528 |
| Allstate | $1,631 |
| Capital Insurance Group | $2,432 |
| Farmers | $2,754 |
| State Farm | $3,005 |
| Nationwide | $3,042 |
| Chubb | $3,832 |
Farmers is the cheapest option for new homes home insurance in Santa Clara, California.
Farmers offers the lowest annual cost of $157, making it a budget-friendly choice for new homes in Santa Clara, CA. The rate is notably lower than others, but this does not mean it is the best choice for everyone in the area.
While cost is important, ensure you are adequately covered with your home insurance.
| Farmers | $157 |
| Travelers | $163 |
| Allstate | $250 |
| Nationwide | $262 |
| State Farm | $307 |
| Capital Insurance Group | $378 |
| Chubb | $540 |
The best affordable homeowners insurance providers balance quality and cost by offering excellent customer service and coverage with reasonable premiums.
In Santa Clara, the best cheap homeowners insurance depends on your needs. Consider factors beyond premiums, such as coverage options and customer service. Follow these steps to get the best cheap home insurance:
Determine how much home insurance coverage you need in Santa Clara, CA by assessing the rebuilding costs, personal property value, and liability requirements.
Investigate insurance companies operating in Santa Clara, CA. Focus on those with solid financial health, positive customer feedback, and a history of reliable service.
Once your coverage needs are clear, compare home insurance quotes. In Santa Clara, CA, premiums for $100K dwelling coverage range from $312 to $580 annually.
Inquire with each insurer about potential discounts, such as those for policy bundling, safety installations, or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can comfortably pay if needed.
Enhancing your home's security with systems and strong locks can lower your insurance risk profile and reduce costs.
Keep a strong credit score in Santa Clara, CA, as it influences your insurance rates. Timely bill payments and minimal debt are crucial.
Combine your homeowners insurance with other policies, like auto insurance, to access discounts and save money.
The best cheap home insurance provider for you in Santa Clara depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Santa Clara, California, to make informed decisions.
The average home insurance cost in Santa Clara, California, is $391.
The cheapest home insurance company in Santa Clara, California, is Travelers, with an annual premium of $312.
The best home insurance in California for Santa Clara residents is provided by Travelers, with a MoneyGeek score of 90 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
