How much is homeowners insurance in Sunnyvale,TX

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In Sunnyvale, homeowners pay an average annual rate of $4,105 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,601 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Sunnyvale depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Sunnyvale, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Sunnyvale.

Key takeaways

The cost of your homeowners insurance policy in Sunnyvale can vary based on factors such as your location, the value of your home, and the coverage options you select.
Progressive is the cheapest homeowners insurance company in Sunnyvale with an average annual premium of $3,869.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $960 more, annually for home insurance.

How much is homeowners insurance in Sunnyvale per month

According to our rate analysis, homeowners in Sunnyvale pay an average of $342 per month. It’s $22 more than the state average of $320 and $133 more than the national average for home insurance across the United States.

In Sunnyvale, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Sunnyvale

The average cost of homeowners insurance in Sunnyvale, TX is $3,145 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Sunnyvale

As per rate analysis by Insure.com, homeowners residing in Sunnyvale typically pay an average of $4,105 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $960 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Sunnyvale by company

After evaluating several carriers, Progressive is the least expensive homeowners insurance provider in Sunnyvale. It’s average annual rate for homeowners in Sunnyvale is $3,869.

State Farm holds the second position, while Farmers secures the third spot with an average annual home insurance rate of $4,107.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Sunnyvale and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Sunnyvale and their average annual premiums.

Home insurance company	Annual rate
Progressive	$3,869
State Farm	$3,971
Farmers	$4,107
Nationwide	$6,954
USAA*	$3,483

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Sunnyvale for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.