High Tech Insurance Services
1669 Flanigan Dr, San Jose, CA 95121
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San Jose households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1669 Flanigan Dr, San Jose, CA 95121
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1475 Saratoga Ave, #180, San Jose, CA 95129
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6203 San Ignacio Ave, #110, San Jose, CA 95119
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3031 Tisch Way, STE. 308, San Jose, CA 95128
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3031 Tisch Way, Ste. 308, San Jose, CA 95128
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3750 Mckee Rd A, San Jose, CA 95127
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1631 Willow St, Ste 220, San Jose, CA 95125
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1630 Oakland Road, Suite A102, San Jose, CA 95131
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111 N Market St, Ste 705, San Jose, CA 95113
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4122 Monterey Road, San Jose, CA 95111
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Learn about insurance coverage options specific to San Jose residents.
San Jose homeowners pay $1,087-$1,692/year for coverage. Learn about earthquake insurance, fire zones, and why tech wealth affects your coverage needs.
Home InsuranceSan Jose home insurance averages $1,090-$1,692/year, but earthquake coverage is essential. Learn costs, coverage limits, and CEA options for 2025.
Home InsuranceSan Jose earthquake insurance guide: Learn about CEA coverage, deductibles (5%-25%), costs ($800-$2,500/year), and Hayward Fault risk. Essential info for homeowners.
Car InsuranceSan Jose auto insurance averages $2,918/year—7% below CA average. Learn how Prop 103 protects you, new 2025 minimums, and tips for tech commuters on 101/280/880.
Car InsuranceSan Jose drivers pay $2,918/year for car insurance—below CA's average. Learn how ZIP codes, traffic on 101/280/880, and bundling affect your rates.
General Insurance EducationComplete guide to San Jose insurance: auto rates 7% below state average, earthquake coverage for major faults, and protecting Silicon Valley's high property values.
Given San Jose's proximity to major fault lines like the Hayward and San Andreas faults, earthquake insurance is worth serious consideration. While it costs $1,200 to $3,000 annually with high deductibles (5-25% of dwelling coverage), a major earthquake could cause hundreds of thousands in damage that your standard policy won't cover. If you couldn't afford to rebuild or make major repairs out of pocket, earthquake insurance provides essential financial protection.
San Jose's average homeowners insurance cost of $1,087 to $1,692 annually is lower than California's state average of $2,160 because the city has relatively lower wildfire risk compared to rural areas, good infrastructure, and strong building codes. However, this is just for standard coverage—you'll still need separate earthquake and possibly flood insurance, which can significantly increase your total insurance costs.
You can check if your San Jose property is in a fire hazard zone using the city's Fire Hazard Severity Zone finder by entering your address. Areas are designated as moderate, high, or very high risk, with foothill neighborhoods like Almaden Valley and parts of Evergreen typically falling into higher risk categories. Being in a fire zone can affect your insurance availability and rates, though wildfire damage is covered by standard homeowners policies.
No, your dwelling coverage should reflect your home's replacement cost—what it would cost to rebuild the structure—not its market value. In San Jose, your home might be worth $1.5 million on the market due to location and land value, but only cost $600,000 to rebuild. Insurance companies base premiums on rebuild costs, so overinsuring based on market value wastes money while underinsuring leaves you financially exposed.
If your insurer non-renews your policy (as State Farm did for over 1,200 policies in the Los Gatos area), you have options including shopping with other carriers through an independent agent or applying for the California FAIR Plan. The FAIR Plan provides basic coverage for homeowners who can't get insurance elsewhere, though it typically costs more and offers less comprehensive protection than standard policies. Don't let your coverage lapse—start shopping as soon as you receive a non-renewal notice.
If your net worth exceeds your homeowners policy's liability limits (typically $100,000 to $300,000), umbrella insurance is essential, not optional. Given San Jose's high concentration of wealth from the tech industry, many homeowners have significant assets that could be at risk in a lawsuit. Umbrella policies provide an additional $1 million or more in liability coverage for just $150 to $300 annually, making them an affordable way to protect your financial security.
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