Live Oak Insurance Rates:

Live Oak, CA home insurance is approximately $550 to $752, about $45-$62/month. Our detailed guide shows customers can save as much as $260 by comparing multiple quotes

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Live Oak Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $430/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $570,000

4 Beds, 4 Bath 2060 sqft Rental Property Constructed In 1994 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $180/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $385,000

3 Beds, 3 Bath 1580 sqft Primary Residence Constructed In 1991 with Linoleum, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $590/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $590,000

3 Beds, 3 Baths 2100 sqft Primary Residence Constructed In 2007 with Linoleum, Composition Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $370/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $520,000

4 Beds, 4 Baths 2090 sqft Vacation Property Constructed In 1984 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $590/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

2 Beds, 2 Bath 1140 sqft Seasonal Residence Constructed In 1999 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $790/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

3 Beds, 3 Baths 2300 sqft Seasonal Residence Constructed In 1977 with Linoleum, Membrane Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Baths 1490 sqft Rental Property Constructed In 1988 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1170/7 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $660,000

4 Beds, 4 Baths 2480 sqft Rental Property Constructed In 2002 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Live Oak, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95953 $165,400 $600

Live Oak Rates & Quotes Analysis:

Live Oak Area Estimated House Insurance
42nd Ave, Bronco Rd, Watson St, Strawberry Ln, Francesco Cir, Thompson Ave, Acacia Way, Prospect Ct, Jackson St, Odyssey Ct$637
49th Ave, Glenwood Ave, Lotman Dr, 16th Ave, Woolpert Ave, Cisco Ln, Vis de Laveaga, Harrison Ave, Stanley Ave, Rina Ct$630
Pacheco Ave, Eastcrest Ln, Marine Parade, Bowman Ct, Brookwood Dr, Jose Ave, Dazzle Ln, Atlantic Ave, Mott Ave, S Rodeo Gulch Rd$670
Angela Dr, Sanders Ct, el Dorado Ave, Pound Ln, Jose Ave, Katherine Ln, Trevethan Ave, Dempsey Rd, Kenny Ct, Harbor Oaks Cir$663
Branciforte Dr, Mentel Ave, Harkleroad Ave, Paul Sweet Rd, Upper Park Rd, Bronson St, Stagg Ln, Reinelt Ave, Heather Ct, 41st Ave$669

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,272 Homes (19% of total) built between 1970 to 1979 in Live Oak are paying home insurance between $1,055-$1,065 and varies from Santa Cruz (+$27), Pleasure Point (+$15), Santa Cruz County (+$12), Capitola (-$13) and Paradise Park (-$60).
  • Bedrooms: 2,123 2 bedrooms homes (33% of total homes ) in Live Oak are paying about $196 in contrast with Pasatiempo (+$13), Aptos (+$5), Rio del Mar (+$3), Capitola (-$3) and Twin Lakes (-$8).
  • Auto Insurance Bundling: 968 Households (25% of all households) in Live Oak have 3 or more vehicles available and when it is bundled with home insurance you can save $162 and differs from Santa Cruz ($167), Capitola ($160), Twin Lakes ($161).
  • Senior Discounts: 2,023 seniors (more than 55 years) occupied housing units (52% of total) in Live Oak get discounts between $97 to $100 compared to Santa Cruz ($100), Capitola ($96), Twin Lakes ($97).
  • New Homes discounts: New homes such as the 1,809 homes built between 2000 to 2009 in Live Oak can save $130 compared to Santa Cruz ($133), Capitola ($128), Twin Lakes ($129).

Live Oak Homeowners insurance Facts

  • Live Oak, CA has 3,863 owner occupied houses which is 63.0% of all units whereas Santa Cruz, Capitola and Twin Lakes have 57.25%, 40.68% and 42.75% respectively.
  • Live Oak, CA homeowners yearly insurance price at $651 is 0.12% of the typical house value of $526,000 which is in contrast with 0.11% in Santa Cruz, 0.14% at Capitola & 0.13% in Twin Lakes.
  • Homeowners in Live Oak, CA pay 5.21% of their income ($10,000 to $14,999) in insurance whereas homeowners in Santa Cruz, Capitola and Twin Lakes pay 5.34%, 5.14% and 5.18% respectively.
  • Live Oak, CA’s insurance is 2.0% of monthly housing costs of $2,658/month, for owners with a mortgage compared to 1.96% in Santa Cruz, 2.35% at Capitola & 1.93% in Twin Lakes. But, for households without a mortgage, insurance is 12.2% of costs ($445 in Live Oak, CA) in contrast with 10.77% in Santa Cruz, 11.33% at Capitola & 12.09% in Twin Lakes.

Live Oak, CA Home Values & Insurance rates

For example, insurance for 166 Homes (12.0% of total homes ) valued between $200,000 to $249,999 in Live Oak, CA is about $273. Rates in nearby areas in such as Santa Cruz, Pleasure Point, Soquel are cheaper by $40, $23, $5 respectively while Capitola and Twin Lakes are costlier by $29 and $11 respectively for similar homes.

Live Oak, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 53 3.0% $26
$60,000 to $69,999 25 1.0% $78
$70,000 to $79,999 48 3.0% $91
$100,000 to $124,999 38 2.0% $130
$125,000 to $149,999 88 6.0% $169
$150,000 to $174,999 109 8.0% $195
$175,000 to $199,999 39 2.0% $227
$200,000 to $249,999 166 12.0% $273
$250,000 to $299,999 240 17.0% $338
$300,000 to $399,999 517 38.0% $429

Renters Insurance in Live Oak

  • Average Renters Insurance in Live Oak :  $89($7/month)

  • Median Gross Rent in Live Oak :  $1,483

  • Live Oak Renters Insurance to Median Rent Ratio:  0.47%

  • Renter occupied housing units in Live Oak :  2,266

Live Oak Renters Insurance as a Percentage of Rent

Live Oak Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 29 1.0% $322
$200 to $299 125 5.0% $772
$300 to $499 101 4.0% $1222
$500 to $749 132 5.0% $1897
$750 to $999 167 7.0% $2647
$1,000 to $1,499 572 25.0% $3772
$1,500 or more 1,086 49.0% $5422

Rent Affordability in Live Oak:

Approximately 47.0% (1,080) of households are spending more than 35% of their income on gross rent in Live Oak

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 158 6.0%
15.0 to 19.9 percent 155 6.0%
20.0 to 24.9 percent 218 9.0%
25.0 to 29.9 percent 373 16.0%
30.0 to 34.9 percent 282 12.0%
35.0 percent or more 1,080 47.0%

Protective device discount in Live Oak Up to :  $13

Claims-free discount in Live Oak Up to :  $17