Home Insurance in Belvedere, California
Homes in Belvedere carry a median value of $2,000,000+.
The typical home in Belvedere was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 17 points above Marin County's 37%.
The housing stock in Belvedere is 91% single-family homes and 3% apartments in buildings with 5+ units.
63% of owner-occupied homes in Belvedere carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Belvedere are owner-occupied.
78% of homes in Belvedere are primarily heated with natural gas.
What's the biggest home insurance risk near Belvedere? FEMA's National Risk Index points to earthquake (Relatively High) in Marin County and Marin County had 6,253 active NFIP flood policies as of September 2026. See the full Marin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Marin County | 6,253 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)