Home Insurance in Oakland, CA

Learn how to find affordable homeowners insurance in Oakland.

Finding Homeowners Insurance in Oakland, California

Oakland residents will be the first to tell you: the weather is better here. Just across the bridge from San Francisco, the sun always seems to be shining on this side of the Bay. Oakland is home to Jack London Square, named for the writer who regularly adventured here. And there’s plenty to do and see between the city’s many boutiques, galleries, Victorian architecture, and the famous art deco Fox Theater. Plus, the Oakwood Redwood Regional Park is only 20 minutes away.

But even the greatest cities have their risks. Homeowners searching for California homeowners insurance should make sure their policy can stand up to elements.

Oakland Home Insurance Costs

Our Oakland home insurance costs are incredibly competitive. At an average of $1,149 a year, we’re 69 percent cheaper than Allstate and 6 percent cheaper than Travelers. You can see how we stack up in the chart below.

Average Oakland Home Insurance Premiums by Company

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

Keep in mind that home insurance costs vary depending on your home and your insurance history. Safety features also play a big role in the discounts you qualify for. To see exactly what your coverage will cost, get a quote! It’s free and doesn’t impact your credit score.

What Oakland Home Insurance Covers

Not all policies are created equal. Make sure yours strikes the right balance between essential coverage and affordability. For example, all our HO3 policies offer:

  • Replacement cost dwelling coverage: This pays to repair or rebuild your home after a covered loss.
  • Other structures coverage: This can repair or rebuild other structures on your property, like garages, sheds, gazebos, and fences.
  • Personal property coverage: This pays to replace or repair your belongings, like electronics, furnishings, clothing, furniture, and more.
  • Loss of use coverage: This gives you an allowance to cover additional living expenses when a covered loss keeps you from staying at home.
  • Personal liability coverage: If you’re sued over someone’s bodily injuries or property damage, this can cover your legal expenses (think: attorney fees and settlements).
  • Medical payments coverage: If a guest is injured at your home, this can pay for their immediate medical expenses.

You can also customize your policy with endorsements. Think of these as mini policies that add on coverage to fit your lifestyle. For example, if you have a merry band of Pomeranians, adding on animal liability insurance may make sense. This can pay for damage or injuries your fluffy friends cause.

Big Risks for Oakland Homeowners

A standard homeowners insurance policy can cover loss from fire, vandalism, windstorms, water damage, and theft (Oakland has a crime index 138 percent higher than the California average). But there are other risks a standard policy may not cover. Here’s what you need to know.

Oakland Wildfire Coverage

In 1991, the Oakland Hills firestorm (aka the East Bay Hills Fire) burned thousands of homes and claimed 25 lives. And Oakland faces similar fire risk to this day as the state continues to face the worst drought in its history.

All Kin policies include wildfire insurance to make sure your home is prepared for the worst-case scenario. This covers fire, smoke, and explosion damage to your home, belongings, and other structures.

Oakland Flood Insurance

Oakland sits on the bay, meaning homeowners face their share of flood hazards, like stormwater runoff, tsunamis, seiches, damn failure, and a rise in sea level. In 2019, the Nimitz Freeway underpass made national news for its intense flooding.

Unfortunately, homeowners insurance doesn’t cover damage from rising waters. It only covers water damage that comes from inside the house, like a leaking appliance or burst pipe. To get flood protection, ask us to add on flood insurance to your policy.

Earthquake Coverage in Oakland

There’s a 72 percent chance that Oakland will have an earthquake of 6.7 or higher in the next 23 years. The area is no stranger to big shakers – in October 1989, the Loma Prieta earthquake was a 6.9 magnitude tremor.

Homeowners insurance doesn’t cover earthquakes, but we can add on earthquake insurance to help deal with the aftermath of a major quake. It’s the only coverage that pays for damage to your home, other structures, and belongings caused by earth movement.

Tips for Lower Oakland Home Insurance Costs

While our prices are already low, we take every opportunity to help you save more. We’ll automatically check to see if you qualify for these easy homeowners insurance discounts:

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

You can further reduce your costs by taking on a higher deductible. Just make sure you strike the right balance between savings and what you can comfortably cover out of pocket in case you need to make a claim.

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