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San Luis Obispo, CA Home Values & Insurance Rates

San Luis Obispo, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 184 7.0% $26
$50,000 to $59,999 47 1.0% $59
$60,000 to $69,999 28 1.0% $72
$70,000 to $79,999 153 6.0% $85
$80,000 to $89,999 77 3.0% $92
$90,000 to $99,999 94 3.0% $105
$100,000 to $124,999 122 5.0% $125
$125,000 to $149,999 102 4.0% $151
$150,000 to $174,999 203 8.0% $184
$175,000 to $199,999 151 6.0% $210
$200,000 to $249,999 121 5.0% $257
$250,000 to $299,999 203 8.0% $309
$300,000 to $399,999 935 38.0% $395

San Luis Obispo Renters Insurance as a Percentage of Rent

San Luis Obispo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 119 1.0% $768
$300 to $499 246 2.0% $1218
$500 to $749 812 6.0% $1893
$750 to $999 2,407 20.0% $2643
$1,000 to $1,499 4,250 36.0% $3768
$1,500 or more 3,892 33.0% $5418

Example San Luis Obispo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceChubb Group of Insurance
Monthly Premium 7911876
Year Built 200719911970
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $400000-$500000$400000-$500000$400000-$500000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Top Home Insurance Agents Near San Luis Obispo, CA

Home Insurance Company Near San Luis Obispo, CA Homeowners Insurance Agency Near San Luis Obispo, CA Address Distance from San Luis Obispo, CA (miles)
Liberty Mutual Independent California Meridian Ins 9700 EL CAMINO REAL, ATASCADERO, CA, 93422 16.0
Farmers Deborah Corliss 935 Riverside Ave Ste 14, Paso Robles, CA, 93446 26.9
Travelers Engle & Associates Ins Brokers Inc 1236 HIGUERA ST, SAN LUIS OBISPO, CA, 93401 3.6
Allstate Mary Rowan Ishikawa 705 E Grand Ave, Arroyo Grande, CA, 93420 9.4
Allstate Mary Rowan Ishikawa 3420 Orcutt Rd Ste 202, Santa Maria, CA, 93455 27.0


Estimated Home Insurance By Street Area Near San Luis Obispo, CA

San Luis Obispo Area Estimated House Insurance
Foothill Blvd, Cerro Robles, Humbert Ave, Encanto Ln, Warren Way, George St, Harmony Way, Sycamore Dr, Via Ensenada, Gathe Dr$654
Corral de Piedra Rd, Glennheim Ct, Lakeview St, Castillo Rd, Pasatiempo Dr, N Chorro St, Pennington Creek Rd, Birkdale Ln, Cordova Dr, Serpa Ranch Rd$688
Exposition Dr, Park St, Sequoia Dr, State Hwy 227, Bahia Ct, Stanford Dr, Oak St, Elks Ln, Suburban Rd, Woodbridge St$655
Osos St, Stoneridge Dr, Ironbark St, el Cerrito St, Ilene Dr, Sterling Ln, Miraleste Dr, Filaree Way, Oceanaire Dr, la Cita Ct$640
Casitas Ct, Poinsettia Ct, Taft St, Industrial Way, Carpenter St, Serrano Cir, Stafford St, Sylvia Ct, Empresa Dr, Twin Ridge Dr$666

San Luis Obispo, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$4,600
Yearly San Luis Obispo Homeowner Insurance Premium Example $2,100$1,500
Out of Pocket Expense During Claim$1,600$4,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,400$16,600
Net Savings to San Luis Obispo Home Owner from High Deductible Plan $1,800

San Luis Obispo, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Luis Obispo, CA Home Replacement Value MORE than Home Value San Luis Obispo, CA Home Replacement Value LESS than Home Value
Replacement Value $679,500 $546,000
Insurance Premium based on Replacement Value $2,375 $1,900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $60,500 Risk Exposure from Under Insuring Coverage is $73,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $225/year