Stanford, CA Home Insurance - How Can I Get it Cheap

Here are some techniques one should use to buy Stanford, CA home insurance & get cheap rates.

1) Insure Personal Belongings In Your Stanford, CA Homeowners Insurance Coverage

Example Personal Belongings Category Price
Billy Goat BC2600HH, 26-Inch Outback Brush Mower, 13 HP Honda Engine Home Improvement $3,832.50
Bose L1 Model IS Single B2 Bass with T1 Audio Engine Speakers $2,499.00
Music Hall - MMF-11.1 - Turntable (no cartridge) Receiver or Amplifier $4,495.00
Samsung UN55JU6700 Curved 55-Inch 4K Ultra HD Smart LED TV Home Theater $1,499.99
Dell XPS 8700 Desktop - Intel Core i7-4770 Quad-Core Haswell up to 3.9 GHz, 32GB Memory, 512GB SSD + 2TB SATA Hard Drive, 2GB AMD Radeon HD R9 270, Blu-Ray Player, Windows 8.1 Personal Computer $2,599.00
Southbend S-Series S60DD 60'' Gas Range, 10 Open Burner, 2 Standard Ovens | 324,000 BTU $7,019.00
Coaster Dining Table, 48-Inch, Dark Walnut Furniture $656.00
CLRE24 24" wide smoothtop electric range in slide-in style, with stainless steel manifold, storage drawer, and large oven window Home $1,199.00
Panasonic NE-2180 MICROWAVE OVEN-S/S INTERIOR Kitchen $6,462.50
VocoPro UHF-8800-II Wireless Microphone System Musical Instruments $1,059.00

2) Home Security Systems Lowers Your Stanford, CA Home Insurance

Example Home Security Systems Price
GW Security VD12C16CH1337IP 16 Channel 1080P NVR Surveillance System with 12 x 1.3MP 960P HD Outdoor Indoor Onvif PoE IP Security Camera 3TB Hard Drive $1,849.00
Q-See 16 Channel HD NVR Security System with 3TB HDD and 9 HD Weatherproof IP Cameras $2,999.99
Dell Latitude 3330 - Celeron 1007U / 1.5 GHz - Windows 7 Home Premium 64-bit - 4 GB RAM - 320 GB Hybrid Drive ( 8 GB SSD cache ) - 13.3" 1366 x 768 ( HD ) - Intel HD Graphics - keyboard: English $987.00
30x zoom 2 MP Megapixel IP Network ONVIF Infrared PTZ (Pan Tilt Zoom) Auto Tracker CCTV Security Camera - High Definition 1080p TRUE HD $2,588.60
Fellowes Powershred 225Ci 100% Jam Proof 20-Sheet Cross-Cut Paper Shredder (3825001) $1,449.98
Scout Alarm Wireless Home Security System, Midnight $319.99
Defender Sentinel 8CH 500GB Smart Security DVR Including 8 Hi-Res Indoor/Outdoor Cameras with 75ft Night Vision,21029 $499.99
SVAT PRO 16CH H.264 1 TB Smart Security DVR with 16 Ultra Hi-res Outdoor Surveillance Cameras and Smart Phone Compatibility (11115) $1,584.99
Night Owl Security PRO-1681TB Professional 960 H 16-Channel DVR with HDMI Output, 8 Hi-Res Cameras Plus 2 Audio Enabled Indoor Cameras and 1TB HDD (Black) $699.99
GW Security 8 Channel Realtime NVR Kit (2TB HD): 8 X HD-IP Camera. 1/2.5" 5 Megapixel CMOS Sensor. 2.8-12mm Manual Varifocal Megapixel Lens, 64PCs IR LED, 180 feet IR Distance. *** High Definition Video Surveillance For Your Home or Business $2,200.00

3) Stop Smoking to Reduce Your Stanford, CA Home Insurance

County Percentage of smokers
Santa Clara county including Santa Clara, Santa Clara County, Los Gatos, Sunnyvale, Stanford 10%
Santa Barbara county including Casmalia, Vandenberg Village, Ballard, Garey, Vandenberg AFB 11%
Placer county including Penryn, Lincoln, Alta, Dutch Flat, Meadow Vista 8%
Madera county including Yosemite Lakes, Coarsegold, Madera Acres, Fairmead, Madera 14%
Plumas county including East Shore, Whitehawk, Lake Almanor, Belden, Graeagle 14%
Santa Cruz county including Day Valley, Santa Cruz, Boulder Creek, Zayante, Pleasure Point 10%
Tehama county including Tehama, Bend, Richfield, Paynes Creek, Gerber 21%
Fresno county including Lanare, Tranquillity, San Joaquin, Mendota, Old Fig Garden 14%
Mariposa county including Wawona, Midpines, Coulterville, Hornitos, Greeley Hill 20%
Yolo county including Esparto, West Sacramento, Monument Hills, Yolo, Dunnigan 8%
Contra Costa county including Contra Costa, Crockett, Camino Tassajara, Rollingwood, Port Costa 12%

4) Seniors Get More Home Insurance Discounts in Stanford, CA

Senior Population in Stanford, CA compared to similar areas eligible for home insurance
Place 55-60 Years 60-70 Years >70 Years
Stanford 411 515 489
Tracy 5412 6189 4935
Alameda 5443 7608 6686
San Anselmo 997 1841 958
Belvedere 222 298 489
Castle Hill 66 315 134
Pittsburg 3517 4687 4017
Aptos Hills-Larkin Valley 182 481 151
Piedmont 975 1441 838
Emerald Lake Hills 369 619 434
Highlands-Baywood Park 261 363 658