Santa Cruz Insurance Rates:

Santa Cruz, CA home insurance is about $567 to $769, about $47-$64/month. Our extensive analysis indicates shoppers can save upto $267 by getting multiple quotes

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Santa Cruz, California Homeowners Insurance Reviews separate fact from fiction. Compare realistic quotes from the best home insurance providers.

Santa Cruz Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $410/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $395,000

2 Beds, 2 Bath 1520 sqft Rental Property Constructed In 1963 with Carpet Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Divorced Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $670/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

2 Beds, 2 Bath 1510 sqft Vacation Property Constructed In 1943 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $300/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $585,000

3 Beds, 3 Baths 2140 sqft Rental Property Constructed In 1977 with Wood Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1060/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $670,000

4 Beds, 4 Baths 2140 sqft Primary Residence Constructed In 1974 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $3410/12 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,300,000

4 Beds, 4 Baths 2749 sqft Rental Property Constructed In 1985 with Wood Flooring, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Male who is Retired and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Santa Cruz, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95065 $675,900 $690
95062 $563,700 $670
95064 $276,200 $620

Santa Cruz Rates & Quotes Analysis:

Santa Cruz Area Estimated House Insurance
Reno Way, Mount Massiah Grade, Plateau Ave, Edgecliff Way, Kirby St, el Camino Rd, Carriage Ln, Charles Hill Rd, Cross Way, Vienna Dr$693
Chaparral Dr, Viaduct St, Gertrude Ave, Encina Dr, Vista Mar Ct, Chilverton St, Virgil Ln, Vista Dr, Spyglass Way, Brookside Way$699
Coral St, Roland Dr, Pacheco Ave, Coastview Dr, Center Ave, Dusty Dr, Martin Dr, Serenata Ct, Tanner Heights Dr, Hanover St$667
Jarvis Rd, Cortez St, Mountain Valley Dr, View Dr, Almar Ave, Monarch Way, Blue Gum Ave, Longview Dr, Minnie St, Weston Rd$672
Daniel Ct, Willow Way, Primrose St, Van Ness Ave, Mar Vista Dr, Poplar Ave, Corinne Ave, Cuesta Dr, Baltusrol Way, Baronian Ct$690
Windemere Ln, Day Valley View, Stonewood, Porter St, Seabright Ave, Fenn Way, Moore St, Sky Meadow Ln, Bali Way, Grand Ave$666
San Benito Ave, Rio del Mar Blvd, Capitola Rd Exd, Harvard St, Pepperwood Way, Evergreen St, Merced Ave, Pleasant Valley Rd, Via Palo Alto, Mountain View Ct$673
Windward Ln, Kelldon Dr, Kinsley St, Bye Way, Margaret Ave, Patterson Ln, Escalona Ct, Hubbard St, Clinton St, Alto Sol Ct$665
Towne Ter, Reed Way, Willis Rd, Kresge Ct, Bean Hill Rd, Venetian Rd, N Big Trees Park Rd, Assembly Way, Madrona St, McGlenn Dr$621
Lakeview Dr, Holden St, Crestline Way, Serrell Ave, Mary Case Ln, Cypress Park, Heath Cove, Capitola Dr, Oneill Ln, Pelton Ave$650

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,325 Homes (22% of total) built between 1970 to 1979 in Santa Cruz are paying home insurance between $1,082-$1,092 and varies from Pasatiempo (+$82), Rio del Mar (+$29), Day Valley (+$47), Pleasure Point (-$12) and Live Oak (-$27).
  • Bedrooms: 22,646 2 bedrooms homes (35% of total homes ) in Santa Cruz are paying about $194. Areas near to Santa Cruz such as Soquel, Pasatiempo, Aptos are costlier by $3, $15, $7 respectively whereas Twin Lakes and Paradise Park are more economical by $6, $9 respectively for similar homes.
  • Auto Insurance Bundling: 14,489 Households (42% of all households) in Santa Cruz have 2 vehicles available and when it is bundled with home insurance you can save $133 in contrast with Pleasure Point ($132), Live Oak ($130), Twin Lakes ($129).
  • Senior Discounts: 19,335 seniors (more than 55 years) occupied housing units (56% of total) in Santa Cruz get discounts between $100 to $102. The comparative concessions in proximate regions such as Pleasure Point, Live Oak and Capitola are $99, $97 and $96 respectively.
  • New Homes discounts: New homes such as the 17,554 homes built between 2000 to 2009 in Santa Cruz can save $133 and similar new home insurance discounts in nearby towns and cities like Pleasure Point, Live Oak and Twin Lakes are $132, $130 and $129 respectively.

Santa Cruz Homeowners insurance Facts

  • Santa Cruz, CA has 33,993 owner occupied houses which is 57.3% of all units whereas Pleasure Point, Live Oak and Twin Lakes have 58.28%, 63.03% and 42.75% respectively.
  • Santa Cruz, CA homeowners yearly insurance price at $668 is 0.11% of the typical house value of $630,500 which is in contrast with 0.11% in Pleasure Point, 0.12% at Live Oak & 0.13% in Twin Lakes.
  • Homeowners in Santa Cruz, CA pay 1.78% of their income ($35,000 to $39,999) in insurance whereas homeowners in Pleasure Point, Live Oak and Twin Lakes pay 1.76%, 1.74% and 1.73% respectively.
  • Santa Cruz, CA’s insurance is 2.0% of monthly housing costs of $2,835/month, for owners with a mortgage compared to 2.09% in Pleasure Point, 2.04% at Live Oak & 1.93% in Twin Lakes. But, for households without a mortgage, insurance is 10.8% of costs ($517 in Santa Cruz, CA) in contrast with 10.83% in Pleasure Point, 12.19% at Live Oak & 12.09% in Twin Lakes.

Santa Cruz, CA Home Values & Insurance rates

For example, insurance for 1,036 Homes (13.0% of total homes ) valued between $250,000 to $299,999 in Santa Cruz, CA is about $287. Rates in nearby areas in such as Rio del Mar, Day Valley, La Selva Beach are cheaper by $34, $57, $51 respectively while Pleasure Point and Live Oak are costlier by $23 and $51 respectively for similar homes.

Santa Cruz, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 672 8.0% $20
$50,000 to $59,999 228 2.0% $53
$60,000 to $69,999 111 1.0% $66
$70,000 to $79,999 150 1.0% $73
$80,000 to $89,999 134 1.0% $86
$90,000 to $99,999 190 2.0% $100
$100,000 to $124,999 449 5.0% $113
$125,000 to $149,999 300 3.0% $140
$150,000 to $174,999 382 4.0% $167
$175,000 to $199,999 322 4.0% $193
$200,000 to $249,999 1,028 13.0% $233
$250,000 to $299,999 1,036 13.0% $287
$300,000 to $399,999 2,649 34.0% $367

Renters Insurance in Santa Cruz

  • Average Renters Insurance in Santa Cruz :  $54($4/month)

  • Median Gross Rent in Santa Cruz :  $1,471

  • Santa Cruz Renters Insurance to Median Rent Ratio:  0.27%

  • Renter occupied housing units in Santa Cruz :  25,387

Santa Cruz Renters Insurance as a Percentage of Rent

Santa Cruz Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 778 3.0% $763
$300 to $499 696 2.0% $1213
$500 to $749 1,519 6.0% $1888
$750 to $999 2,357 9.0% $2638
$1,000 to $1,499 7,295 29.0% $3763
$1,500 or more 11,802 48.0% $5413

Rent Affordability in Santa Cruz:

Approximately 51.0% (13,092) of households are spending more than 35% of their income on gross rent in Santa Cruz

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,951 7.0%
15.0 to 19.9 percent 2,364 9.0%
20.0 to 24.9 percent 2,736 10.0%
25.0 to 29.9 percent 2,836 11.0%
30.0 to 34.9 percent 2,408 9.0%
35.0 percent or more 13,092 51.0%

Protective device discount in Santa Cruz Up to :  $8

Claims-free discount in Santa Cruz Up to :  $10