Home Insurance in Fremont

Learn how to find affordable homeowners insurance in Fremont.

Finding Homeowners Insurance in Fremont, California

Fremont, a gem in the heart of the San Francisco Bay Area, is a great place to live. Film aficionados appreciate the Niles Essanay Silent Film Museum full of filmmaking artifacts while architecture nerds enjoy the Mission San José, a 1700s Spanish Mission and museum. And folks who love the great outdoors swear by the magic of Coyote Hills Regional Park for hiking, biking, and exploring. There’s plenty of wonder here.

And part of enjoying Fremont means having the peace of mind that your home is protected with affordable California home insurance.

Fremont Home Insurance Costs

Fremont home insurance costs $1,149 a year on average with Kin. That’s 69 percent cheaper than Allstate ($1,943 a year) and 6 percent cheaper than Travelers ($1,214 a year). How do we keep our costs so low? Our technology cuts out a lot of wasteful spending (like storefronts for agents and sky-high commissions) and we can pass those savings on to you.

Average Fremont Home Insurance Premiums by Company

Kin Allstate Travelers
$1,149 $1,943 $1,214

Averages give you a good sense of what your home insurance premiums look like for your area, but the only way to know exactly what you’ll pay for coverage is to get a quote. Good thing that’s super easy – most homeowners can get a quote from Kin in under a minute and buy their policy in less than five.

What Fremont Home Insurance Covers

Every Kin homeowners insurance policy offers five core protections:

  • Replacement cost dwelling coverage: This helps you repair or rebuild your home from the ground up and restore its previous splendor after a covered event (like fire, windstorms, etc.).
  • Other structures coverage: This covers detached structures on your property, like your garage, gazebo, shed, fence, and more.
  • Personal property coverage: This covers all the items that make your house a home – your furniture, electronics, clothing, bookshelves, and more.
  • Loss of use coverage: If your home is under repair because of a claim, this can help pay for additional expenses while you’re living away from home.
  • Personal liability coverage: If you’re sued over someone’s bodily injuries or property damage, this can help pay for your legal expenses.
  • Medical payments coverage: When your guests have a small injury on your property, this can cover their immediate medical expenses.

You can also customize your policy with endorsements. Think of these as mini policies – they add a little extra coverage based on your needs and interests. For example, if your family includes beloved dogs, you might want to add on animal liability insurance. This can help pay for damages your fluffy friends may cause. After all, even good boys get into mischief.

Big Risks for Fremont Homeowners

Your standard home insurance policy covers a lot of incidents. Our HO3 policies cover your home from all events except those explicitly listed as exclusions. While that list is pretty short, it does exclude floods and earthquakes – two events that Fremont homeowners may want to address.

Fremont Wildfire Coverage

Just this past August, Fremont residents were put on alert to potentially evacuate as a massive wildfire threatened neighborhoods. While your policy can’t prevent wildfires from happening (we wish it could!), it does protect you when they jeopardize your home. All our policies include wildfire insurance, which helps pay for fire, smoke, and explosion damage to your home, belongings, and other structures.

Fremont Flood Insurance

Fremont is a major flood risk area and has a 100 percent risk of at least one flood over three feet deep by 2050. Homeowners insurance doesn’t cover damage caused by rising waters or storm surges, but you can add on flood insurance if you’re looking for that protection.

Earthquake Coverage in Fremont

Fremont shares more than just the Bay with San Francisco and San Jose – it gets the same earthquake risk, too. The area has a 72 percent probability of a 6.7 magnitude earthquake (or higher) in the coming years. If and when that happens, homeowners need to be ready to clean up and make repairs.

To add earthquake insurance to your policy, just let us know! This is the only policy that can pay for damage caused by shaking earth movement.

Tips for Lower Fremont Home Insurance Costs

Fremont homeowners: save even more on your policy with our easy home insurance discounts. We’ll automatically apply every credit your eligible for:

  • Smart home safety and security devices.
  • Secure communities.
  • Electronic policies.
  • Ember resistant venting.
  • Annual brush removal contract.
  • LEED-certified homes.
  • New homebuyers.

Adjusting your deductible can lower your rates, too. The higher the deductible, the lower your premium. Just keep in mind that if you need to make a claim, you’ll be responsible for this amount out of pocket before your insurance will kick in for the rest.

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