San Jose has 990,138 residents in 328,550 households. We list 24 agencies for life insurance in San Jose. Here is what the local numbers say about the cover people here need.

San Jose at a glance

24life insurance agencies listed
44.2%of households rentRenters insurance
$1,233,200median home valueHome insurance
1976median year homes were builtRebuild cost calculator
6.1%of households have no carAuto insurance
3.4%of homes are mobile homesMobile home 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 Santa Clara County

FEMA rates the overall natural hazard risk in Santa Clara County, where most San Jose 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
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.

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 San Jose How much liability cover do you need?

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

Insurance companies San Jose agencies work with

Of the 24 San Jose agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Corebridge (AIG Life)7 agencies
Nationwide6 agencies
Chubb5 agencies
UnitedHealthcare5 agencies
Nationwide (Allied)4 agencies
Nationwide (Colonial)4 agencies
The Hartford4 agencies
Travelers4 agencies
Fidelity & Guaranty Life Insurance Company3 agencies
Foremost3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where San Jose agencies are

San Jose agencies we list sit in 14 ZIP codes, mostly in Santa Clara County.

951103 agencies
951193 agencies
951263 agencies
951313 agencies
951252 agencies
951282 agencies
951111 agency
951121 agency
951131 agency
951171 agency
951181 agency
951221 agency
951271 agency
951611 agency

Questions

Life insurance in San Jose

All insurance agencies in San Jose · Life insurance across California

Where can I find life insurance in San Jose?

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 life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do San Jose agencies work with?

Among the 24 San Jose agencies whose appointments we hold, the companies they are most often appointed with are Corebridge (AIG Life) (7), Nationwide (6), Chubb (5), UnitedHealthcare (5), Nationwide (Allied) (4). An appointed agency can quote that company's policies.

Do I need flood insurance in San Jose?

FEMA's National Risk Index rates inland flooding risk in Santa Clara 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.

Nearby

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