Oakland has 439,418 residents in 176,584 households. We list 5 agencies for home insurance in Oakland. Here is what the local numbers say about the cover people here need.

Oakland at a glance

5home insurance agencies listed
57.7%of households rentRenters insurance
$929,900median home valueHome insurance
1953median year homes were builtRebuild cost calculator
16.2%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 Alameda County

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

EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
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
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Oakland
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California

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

Where Oakland agencies are

Oakland agencies we list sit in 3 ZIP codes, mostly in Alameda County.

946073 agencies
946091 agency
946111 agency

Questions

Home insurance in Oakland

All insurance agencies in Oakland · Home insurance across California

Where can I find home insurance in Oakland?

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 Oakland?

FEMA's National Risk Index rates inland flooding risk in Alameda 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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Home insurance near Oakland

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