Concord has 124,035 residents in 46,236 households. We list 4 agencies for home insurance in Concord. Here is what the local numbers say about the cover people here need.

Concord at a glance

4home insurance agencies listed
38.4%of households rentRenters insurance
$797,600median home valueHome insurance
1970median year homes were builtRebuild cost calculator
6.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Contra Costa County

FEMA rates the overall natural hazard risk in Contra Costa County, where most Concord agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Concord

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Concord How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Where Concord agencies are

Concord agencies we list sit in 2 ZIP codes, mostly in Contra Costa County.

945203 agencies
945211 agency

Questions

Home insurance in Concord

All insurance agencies in Concord · Home insurance across California

Where can I find home insurance in Concord?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Concord?

FEMA's National Risk Index rates inland flooding risk in Contra Costa County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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