Cambria Insurance Rates:

Cambria, CA homeowners insurance is nearly $568 to $782, about $47-$65/month. Our all inclusive analysis indicates shoppers can save upto $270 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cambria, CA Homeowners Insurance By Home Value

Cambria, CA Home Value Total Homes % of Total Average Cambria, CA Homeowners Insurance
Less than $50,000 14 3.0% $20
$100,000 to $124,999 23 6.0% $108
$150,000 to $174,999 22 6.0% $155
$250,000 to $299,999 48 13.0% $270
$300,000 to $399,999 253 70.0% $344

Top Home Insurance Agents Near Cambria, CA

Home Insurance Company Near Cambria, CA Homeowners Insurance Agency Near Cambria, CA Address
Travelers Adler Belmont Dye Insurance Services Inc 369 Marsh Street, Suite 200 San Luis Obispo, San Luis Obispo, CA, 93401
Liberty Mutual Independent California Meridian Ins 9700 EL CAMINO REAL, ATASCADERO, CA, 93422
Farmers Deborah Corliss 935 Riverside Ave Ste 14, Paso Robles, CA, 93446
Farmers Sue Hubbard 7730 Morro Rd Ste 206, Atascadero, CA, 93422
State Farm Susan Rodriguez 1317 Broad St Ste A, Sn Luis Obisp, CA, 93401-3909

Cost Of Homeowners Insurance By Street Near Cambria, CA

Streets in Cambria Area Homeowners Insurance Cost
Fallbrook St, Ellis Ave, Langton St, Coventry Ln, Evensong Way, Partner Rd, Ferrasci Rd, Toro Creek Rd, Windsor Blvd, Sherwood Dr$661
Dovedale Ave, Exeter Ln, Old Creek Rd, Cowper St, Montecito Dr, Marjorie Pl, Newton Rd, Croyden Ln, Rogers Dr, San Geronimo Rd$689
Vista del Mar Ave, Emerson Rd, San Bernardo Creek Rd, Worcester Dr, S Windsor Blvd, Kay St, Pembrook Dr, Sheffield St, Balboa Ave, Sea West Dr$677
Saint Thomas Ave, Richard Ave, Pico Ave, Jasper Ave, Iva Ct, Paradise Ln, Preston St, Rainbows End Way, San Simeon-Monterey Creek Rd, Villa Creek Rd$676
Old Creamery Rd, Wilton Dr, Linden Ct, Green Valley Rd, Arroyo Ln, Merlyn Ave, Bristol St, Dreydon Ave, Palo Verde Rd, Burton Dr$673

Cambria, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cambria$100 to $102
San Simeon$90
Cayucos$101
Oak Shores$94

Cambria, 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
Cayucos CDP, California $85 $113 $169
Oak Shores CDP, California $79 $105 $158
Lake Nacimiento CDP, California $77 $103 $154

Cambria, 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
Cambria, CA2.2%10.4%
San Simeon3.62%15.51%
Cayucos2.44%10.37%
Oak Shores2.32%7.36%

Cambria Renters Insurance as a Percentage of Rent

Cambria Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$750 to $999 133 20.0% $2634
$1,000 to $1,499 254 38.0% $3759
$1,500 or more 268 40.0% $5409

Cambria, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Cambria Homeowner Insurance Premium Example $2,100$1,700
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,900$15,100
Net Savings to Cambria Home Owner from High Deductible Plan $800

Cambria, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cambria, CA Home Replacement Value MORE than Home Value Cambria, CA Home Replacement Value LESS than Home Value
Replacement Value $887,000 $598,500
Insurance Premium based on Replacement Value $2,400 $1,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $122,500 Risk Exposure from Under Insuring Coverage is $166,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $325/year

Example Cambria Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateAmica Mutual Insurance Company
Monthly Premium 89111206
Year Built 200719852013
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $350000-$400000$600000-$700000$700000-$800000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 855,000 Slate Shingles Roof 2,570 4 $2500-$5000 Deductible 150 1 Fiber-Cement Siding No
1983 920,000 Tile Roof 2,680 4 > $10,000 Deductible 930 10 Wood siding yes
2013 650,000 Membrane Roof 2,350 4 $500- $1000 Deductible 350 3 Brick siding yes
2001 865,000 Wood Shake Roof 2,480 4 $5000 to $10,000 Deductible 1100 8 Stone Siding yes
1991 860,000 Wood Shake Roof 3,030 4 $500- $1000 Deductible 590 3 Stone Siding No
2014 605,000 Wood Shake Roof 1,990 4 > $10,000 Deductible 380 4 Wood siding No
2009 845,000 Slate Shingles Roof 2,310 3 $2500-$5000 Deductible 1720 9 Stone Siding No
1999 675,000 Wood Shake Roof 2,420 4 $5000 to $10,000 Deductible 680 9 Vinyl siding No
2011 675,000 Asphalt Shingles Roof 1,900 3 $5000 to $10,000 Deductible 920 12 Stone Siding yes
1984 615,000 Metal Roof 1,960 4 $500 Deductible 860 7 Brick siding yes
2005 730,000 Wood Shake Roof 2,100 3 $1000-$2500 Deductible 870 5 Stone Siding No
1981 520,000 Slate Shingles Roof 1,700 3 $500- $1000 Deductible 960 7 Brick siding yes
2006 1,055,000 Shingles Roof 3,220 4 $5000 to $10,000 Deductible 1570 10 Stucco siding No
2013 695,000 Slate Shingles Roof 2,370 3 $500 Deductible 1350 7 Wood siding No
1998 575,000 Asphalt Shingles Roof 1,940 4 $500- $1000 Deductible 580 6 Stucco siding yes
2013 495,000 Membrane Roof 1,450 3 $500- $1000 Deductible 450 3 Fiber-Cement Siding yes
1986 540,000 Tile Roof 1,630 3 > $10,000 Deductible 370 4 Wood siding No
1999 770,000 Metal Roof 2,450 4 $500- $1000 Deductible 1230 8 Vinyl siding yes
1986 1,180,000 Asphalt Shingles Roof 3,130 4 > $10,000 Deductible 420 3 Vinyl siding No
1992 340,000 Shingles Roof 1,280 3 $500- $1000 Deductible 420 7 Vinyl siding yes
1992 540,000 Membrane Roof 1,620 3 $500 Deductible 230 2 Vinyl siding yes
2013 1,050,000 Asphalt Shingles Roof 3,140 4 $1000-$2500 Deductible 1150 7 Fiber-Cement Siding No
2010 1,050,000 Shingles Roof 3,280 4 > $10,000 Deductible 740 6 Stucco siding yes
2006 940,000 Composition Roof 2,850 4 $500- $1000 Deductible 940 5 Stone Siding No
2011 570,000 Asphalt Shingles Roof 1,700 4 $1000-$2500 Deductible 1280 12 Fiber-Cement Siding yes
2010 550,000 Composition Roof 2,120 3 $500 Deductible 860 8 Brick siding yes
2013 595,000 Membrane Roof 2,250 3 $1000-$2500 Deductible 880 6 Vinyl siding No
2010 1,145,000 Membrane Roof 3,210 4 $500 Deductible 520 2 Stucco siding yes
2013 555,000 Shingles Roof 1,730 3 $5000 to $10,000 Deductible 540 5 Fiber-Cement Siding No
2011 410,000 Metal Roof 1,240 3 $500 Deductible 330 3 Wood siding No
2000 765,000 Shingles Roof 2,110 4 $2500-$5000 Deductible 1690 9 Stucco siding yes
2001 590,000 Membrane Roof 1,670 3 $500 Deductible 760 4 Stucco siding No
2012 620,000 Asphalt Shingles Roof 1,900 3 $5000 to $10,000 Deductible 560 6 Stone Siding yes
2007 725,000 Composition Roof 2,050 3 $500 Deductible 520 3 Stone Siding yes