San Mateo County insurance
Renters, auto, home and pet insurance across San Mateo County, shopped across 40+ carriers. County seat: Redwood City.
A Peninsula county straddling the San Andreas Fault, which forms the Crystal Springs reservoirs. Coastal bluffs and the wooded Santa Cruz Mountains fringe add flood and fire exposure.
San Mateo County is part of the Bay Area region. Explore nearby counties and shared regional risks there.
Insurance risks in San Mateo County
Parts of San Mateo County carry moderate wildfire exposure, especially near the wildland-urban interface. Some homes are standard-market, while others near brush and open hills need non-standard or FAIR Plan solutions.
San Mateo County sits in a seismically active area, and because standard home policies exclude earthquakes, separate earthquake coverage is worth considering.
Flooding is a real consideration in San Mateo County, and since standard home policies exclude flood, separate flood coverage may be needed for exposed properties.
Coastal areas of San Mateo County add wind, storm, and flood considerations for properties near the shore.
San Mateo County by the numbers
Home values across San Mateo County vary by a factor of more than 2, which matters more than it sounds: a homeowners policy is rated on rebuild cost, and the published California average premium roughly doubles between the lower and upper ends of that spread. Two county neighbors can sit in genuinely different pricing bands.
| City | Typical home value | Typical monthly rent |
|---|---|---|
| Menlo Park | $2,883,588 | $4,400 |
| Burlingame | $2,816,947 | $3,697 |
| Redwood City | $1,884,858 | $3,949 |
| Foster City | $1,876,468 | $4,181 |
| San Mateo | $1,678,255 | $3,667 |
| San Bruno | $1,310,044 | $3,260 |
| Pacifica | $1,270,263 | $3,584 |
| South San Francisco | $1,230,345 | $4,084 |
| Daly City | $1,132,134 | $2,706 |
Home values and rents are Zillow indices; fire activity is the CAL FIRE incident record. Full sourcing and method on our methodology page.
Coverage we place in San Mateo County
- Non-standard and SR-22 auto insurance for San Mateo County drivers
- Homeowners, condo, renters, and landlord coverage
- Wildfire and hard-to-insure home solutions where needed
- Mobile and manufactured home and dwelling fire policies
Cities and communities we serve in San Mateo County
We also serve Half Moon Bay, and the surrounding communities of San Mateo County.
San Mateo County insurance FAQ
Do you write home insurance in San Mateo County?
Yes. We place homeowners, condo, renters, landlord, dwelling fire, and mobile home coverage across San Mateo County, and we handle hard-to-insure homes when the standard market declines.
Do you cover non-standard and SR-22 drivers in San Mateo County?
Yes. We specialize in non-standard California auto insurance in San Mateo County, including SR-22 filings and drivers with tickets, accidents, a DUI, a lapse, or a foreign license.
How much does it cost to use InsuranceMonster in San Mateo County?
Nothing to get a quote. We are an independent broker paid by the carriers, so shopping your San Mateo County auto or home coverage is free and puts you under no obligation.
Get a free quote in San Mateo County
Tell us what you need and a licensed California broker will reach out with real options. Simple situation or complicated one, we shop it the same way.
Prefer to talk? Call (916) 469-5253.