Short answer: home insurance in San Jose, CA 95109 depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
ZIP 95109 · San Jose, CA · Santa Clara County
California statewide average: ~$1,492/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 95109?
Rates in 95109 (San Jose, CA) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 95109 in San Jose?
Yes — 95109 is in San Jose, Santa Clara County, CA.
Nearby ZIP codes