Arroyo Grande Insurance Rates:

Arroyo Grande, CA homeowners insurance is about $544 to $741, about $45-$61/month. Our extensive analysis shows customers can save as much as $257 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Save on Homeowners Insurance Rates in Arroyo Grande, CA

The average cost of home insurance in Arroyo Grande, CA, is $1573. Arroyo Grande, CA, is a beautiful coastal town in California. The weather is great, and the scenery is stunning. However, the city is also prone to natural disasters like wildfires and earthquakes. This is why home insurance is so important. If your home is damaged or destroyed in a disaster, home insurance will help you pay to repair or replace it. Home insurance also covers your personal belongings, such as furniture and clothing.

Without home insurance, you could be left with a huge financial burden if your home is damaged or destroyed in a disaster. The cost of a homeowners insurance policy is determined by a number of factors, including the value of your property, the value of your possessions, the type of deductible, the materials used to build your home, the history of claims, and more.

VHome, through its research, has examined these factors in detail.

Cost of Insurance Based on the Coverage Level in Arroyo Grande, CA

The most important factor in determining your rates is the coverage level you select. A higher coverage level will provide more protection for your home in case of a covered loss, but it will also cost more. You'll need to decide how much coverage you need based on the value of your home and your personal belongings and how much risk you're willing to take on. Once you've decided on the coverage level you need, you can start shopping around for homeowners insurance in Arroyo Grande, CA. Get quotes from multiple insurers to compare rates and coverage levels. For example, homeowners in Arroyo Grande, California, who purchase a $100K coverage spend $305 for their home insurance. In Arroyo Grande, California, homeowners typically opt for coverage between $200K and $300K, which costs $614 and $1171, respectively.

Cost of Insurance Based on the Deductibles in Arroyo Grande, CA

When it comes to home insurance, your deductible is the amount of money you’re responsible for paying out of pocket before your insurance company steps in to cover the rest. In other words, it’s the amount of money you have to shell out if you need to make a claim. Your home insurance deductible is important because it can greatly impact your premium (the amount you pay for your home insurance policy). A higher deductible usually means a lower premium and vice versa. For instance, in Arroyo Grande, California homeowners who choose a $500 low deductible for their insurance spend $1554.12. In contrast, Arroyo Grande, California residents who selected a high $2500 deductible pay $1129.41 for their house insurance.

Cost of Insurance Based on the Age of the Home in Arroyo Grande, CA

The cost of home insurance often rises along with the house age in Arroyo Grande, California. This is so because older homes are more prone to structural, electrical, and plumbing problems, all requiring insurance coverage. For example, in Arroyo Grande, CA, homes over 40 and 50 years old pay $1613.89 and $1632.77 for home insurance. However, newly constructed residences in Arroyo Grande, California, may receive insurance for only $1211.21.

Arroyo Grande, CA Homeowners Insurance By Home Value

Arroyo Grande, CA Home Value Total Homes % of Total Average Arroyo Grande, CA Homeowners Insurance
Less than $50,000 609 8.0% $32
$50,000 to $59,999 82 1.0% $70
$60,000 to $69,999 98 1.0% $83
$70,000 to $79,999 133 1.0% $96
$80,000 to $89,999 137 1.0% $109
$90,000 to $99,999 137 1.0% $128
$100,000 to $124,999 346 4.0% $147
$125,000 to $149,999 212 2.0% $186
$150,000 to $174,999 319 4.0% $218
$175,000 to $199,999 162 2.0% $250
$200,000 to $249,999 991 13.0% $302
$250,000 to $299,999 902 12.0% $372
$300,000 to $399,999 3,373 44.0% $475

Top Home Insurance Agents Near Arroyo Grande, CA

Home Insurance Company Near Arroyo Grande, CA Homeowners Insurance Agency Near Arroyo Grande, CA Address
Travelers Adler Belmont Dye Insurance Services Inc 369 Marsh Street, Suite 200 San Luis Obispo, San Luis Obispo, CA, 93401
State Farm Chuck Braun 6275 Palma Ave, Atascadero, CA, 93422-4230
Farmers Daniel Borsch 937 E Main St Ste 104, Santa Maria, CA, 93454
State Farm Larry Brugier 8250 Morro Road, Atascadero, CA, 93422-3954
Liberty Mutual Independent Morris & Garritano Ins Agy Inc 1122 Laurel Ln San Luis Obispo, San Luis Obispo, CA, 93401

Arroyo Grande, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Arroyo Grande, CA

Streets in Arroyo Grande Area Homeowners Insurance Cost
Via Las Aguilas, Beaver Dam Ln, Hope Way, Pony Pl, Cam Caballo, Kodiac Ln, Walnut St, Princess Ct, Ida Pl, Venus Ct$642
Ave Alcola, Leeward Ave, Diego Rivera Ln, Ponderosa, Cll Laguna, Capanna St, Maple St, Tejas, Tee Ct, Falcon Crest Dr$671
Buckhorn Rd, Phillips Rd, Margo Way, Ocean St, Willow St, S Traffic Way, Bar Bb Ln, S Rena St, Holden Ave, Clamshell Mtn Way$694
Tourney Hill Ln, Indio Dr, el Campo Rd, Hibiscus Ct, Solana Ct, Humboldt Dr, Lakeside Ave, Grove Ct, Kelly Ct, Trilogy Pkwy$677
Grandview Dr, la Due St, Eaton Dr, Quail Ct, Windward Ave, Franklin St, Martita Pl, Condado Vista Ct, Laguna Ct, White Dove Ct$685
Opal Cir, Christmas Tree Pl, Santa Manuela Rd, E Vintage St, Los Olivos Ln, Via Solana, Primavera Ln, Via Mar Sol, Noyes Rd, Quail Hill Ln$695
Ave de Socios, Spruce St, Pioneer Ave, Saddle Rd, Rose Dr, January St, Ritchie Ct, Morning Rise Ln, Bermuda Pl, Sparks St$619
Pearwood Ave, O'Leary Canyon Way, Tall Tree Dr, Sweet Donna Way, Wadsworth Ave, Beachcomber S, Vista Cir, Cindy Way, la Quinta Dr, Erica Ct$637
Amado St, Farnsworth Dr, Frontage Rd, Lemon Ln, Dower Ave, Hillview Pl, Edna Rd, Linda Dr, la Serenata Way, Grant Ave$672
Bittern St, Zenon Way, Clubhouse Dr, Longspur Ln, Savannah Cir, N 4th St, N Rena St, Trinidad Dr, Acorn Dr, Cascada Ln$670

Arroyo Grande, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Arroyo Grande$96 to $98
Los Berros$97

Arroyo Grande, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Nipomo CDP, California $95 $126 $189
Los Berros CDP, California $98 $130 $195
Blacklake CDP, California $99 $132 $198

Arroyo Grande, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Arroyo Grande, CA2.3%12.1%
Los Berros1.94%12.17%

Arroyo Grande Renters Insurance as a Percentage of Rent

Arroyo Grande Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 282 2.0% $1227
$500 to $749 792 7.0% $1902
$750 to $999 1,514 15.0% $2652
$1,000 to $1,499 3,778 38.0% $3777
$1,500 or more 3,438 34.0% $5427

Arroyo Grande, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Arroyo Grande Homeowner Insurance Premium Example $1,000$600
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $7,700$6,900
Net Savings to Arroyo Grande Home Owner from High Deductible Plan $800

Arroyo Grande, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Arroyo Grande, CA Home Replacement Value MORE than Home Value Arroyo Grande, CA Home Replacement Value LESS than Home Value
Replacement Value $449,000 $350,500
Insurance Premium based on Replacement Value $1,300 $1,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Arroyo Grande Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceFarmers Insurance
Monthly Premium 81146131
Year Built 198020101978
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $400000-$500000$600000-$700000$900000-$1000000
Deductible $5000 to $10,000 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Arroyo Grande, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1976 525,000 Slate Shingles Roof 2,440 4 $500- $1000 Deductible 400 3 Brick siding yes
1971 450,000 Wood Shake Roof 1,710 4 $2500-$5000 Deductible 710 9 Wood siding yes
1978 705,000 Shingles Roof 3,190 4 > $10,000 Deductible 430 3 Fiber-Cement Siding No
2013 475,000 Membrane Roof 1,980 4 $500 Deductible 1350 10 Wood siding yes
1993 770,000 Slate Shingles Roof 2,970 4 $500 Deductible 150 1 Fiber-Cement Siding yes
1978 845,000 Wood Shake Roof 3,890 5 $500 Deductible 1850 9 Vinyl siding No
2003 315,000 Slate Shingles Roof 1,720 3 $5000 to $10,000 Deductible 160 4 Fiber-Cement Siding yes
1994 560,000 Composition Roof 2,140 3 > $10,000 Deductible 90 1 Stone Siding yes
1994 550,000 Membrane Roof 2,020 4 $500- $1000 Deductible 1030 10 Vinyl siding yes
1994 445,000 Metal Roof 2,280 5 $5000 to $10,000 Deductible 100 2 Wood siding yes
1973 685,000 Slate Shingles Roof 2,590 4 $1000-$2500 Deductible 280 2 Vinyl siding No
2013 365,000 Tile Roof 1,380 3 $5000 to $10,000 Deductible 200 5 Stucco siding No
1999 735,000 Tile Roof 3,970 5 $500- $1000 Deductible 180 1 Fiber-Cement Siding yes
2004 1,090,000 Wood Shake Roof 3,990 5 $500 Deductible 3100 12 Stucco siding No
1996 520,000 Composition Roof 1,910 3 $2500-$5000 Deductible 150 2 Wood siding yes
1985 720,000 Slate Shingles Roof 2,840 4 $500- $1000 Deductible 840 4 Stucco siding yes
1987 665,000 Asphalt Shingles Roof 2,870 4 $2500-$5000 Deductible 390 3 Brick siding yes
2009 460,000 Metal Roof 1,950 3 $1000-$2500 Deductible 420 4 Fiber-Cement Siding yes
1975 430,000 Shingles Roof 2,130 4 $500- $1000 Deductible 1170 9 Wood siding yes
2013 640,000 Asphalt Shingles Roof 3,280 4 $1000-$2500 Deductible 1210 10 Fiber-Cement Siding No
2004 555,000 Tile Roof 2,070 3 $1000-$2500 Deductible 950 10 Fiber-Cement Siding No
1972 715,000 Shingles Roof 2,920 5 > $10,000 Deductible 380 4 Wood siding yes
2012 445,000 Slate Shingles Roof 2,150 3 > $10,000 Deductible 580 10 Stucco siding No
1980 465,000 Shingles Roof 2,070 4 > $10,000 Deductible 320 6 Vinyl siding yes
1976 425,000 Metal Roof 2,090 3 $500- $1000 Deductible 680 7 Wood siding yes
2011 425,000 Membrane Roof 1,990 3 $1000-$2500 Deductible 470 6 Brick siding No
1984 830,000 Metal Roof 3,380 5 $1000-$2500 Deductible 1130 8 Fiber-Cement Siding yes
1984 475,000 Membrane Roof 2,270 4 $500 Deductible 460 4 Wood siding No
1991 605,000 Membrane Roof 2,630 4 $500- $1000 Deductible 860 6 Vinyl siding No
1999 540,000 Slate Shingles Roof 2,280 3 $5000 to $10,000 Deductible 820 8 Fiber-Cement Siding No
2005 720,000 Shingles Roof 3,370 5 $500- $1000 Deductible 510 3 Vinyl siding yes
1976 380,000 Slate Shingles Roof 1,820 3 $1000-$2500 Deductible 150 2 Stone Siding No
2010 550,000 Metal Roof 2,660 4 $5000 to $10,000 Deductible 80 1 Wood siding yes
2013 550,000 Asphalt Shingles Roof 2,140 5 $500 Deductible 340 3 Vinyl siding No

Latest Home Insurance Reviews

State Farm
I would recommend my Insurance Agency because it is very helpful and reliable when you need it.
Fremont Home Insurance
premium started reall low due to higher deductible but now with say deductible premiums are rasing
My company policies are very standard and average and compare similarly to all other companies.I have everything I need but also the ability to get rid of things that I don't really need or don't apply to me personally.
Obtaining progressive insurance was fairly simple and an easy process. many of my previous insurance companies were more difficult to use.
State Farm
I hate their customer service. although it's easy to get a hold of them they often cannot answer my questions thoroughly.
State Farm
The bundling packages that state farm has is great, i feel covered from all angles with everything from cars, health, and house.
Farmer's Insurance
Overall, I like how communicative my agent is with me. I think as a whole, he is what is stopping me from seeking out other agencies and trying to get a lower price. Without him, I wouldn't know a lot of the people I know today.
State Farm
The State Farm insurance website located at "" was recently updated to a simpler, cleaner, more modern look that now supports cell phones without the need to use their mobile app. I like it.
State Farm
Our agent will periodically touch base to make sure we have the coverage we need because we all know life changes and adjustments need to be made sometimes. She also keeps in touch with things like birthdays and graduations.
They answered promptly and were able to help me when it came to paying online or resetting my user id/password.
State Farm
Other than signing up with insurance through them, I have not had any communication with them.
I would recommend my company because of their great track record I have never heard a complaint about my insurance company.

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