Capitola Insurance Rates:

Capitola, CA homeowners insurance is nearly $539 to $747, about $44-$62/month. Our in depth research shows customers can save as much as $257 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Capitola, CA Homeowners Insurance By Home Value

Capitola, CA Home Value Total Homes % of Total Average Capitola, CA Homeowners Insurance
Less than $50,000 54 7.0% $32
$50,000 to $59,999 15 1.0% $70
$60,000 to $69,999 11 1.0% $83
$70,000 to $79,999 12 1.0% $96
$100,000 to $124,999 34 4.0% $147
$125,000 to $149,999 26 3.0% $186
$150,000 to $174,999 39 5.0% $218
$175,000 to $199,999 67 8.0% $250
$200,000 to $249,999 145 19.0% $302
$250,000 to $299,999 156 20.0% $372
$300,000 to $399,999 202 26.0% $475

Top Home Insurance Agents Near Capitola, CA

Home Insurance Company Near Capitola, CA Homeowners Insurance Agency Near Capitola, CA Address
State Farm Joe Frangieh 120 W Campbell Ave Ste A, Campbell, CA, 95008-1044
State Farm Kelly Q 4620 Fortran Dr Ste 203, San Jose, CA, 95134-2322
Allstate Keng Wong 355 W Olive Ave Ste 213, Sunnyvale, CA, 94086
Allstate Kristi Wakamatsu 1713 Second St, Livermore, CA, 94550
Farmers Lee Gomez 1100 Lincoln Ave Ste 265, San Jose, CA, 95125

Cost Of Homeowners Insurance By Street Near Capitola, CA

Streets in Capitola Area Homeowners Insurance Cost
Ord St, Broadway, Saxon Ave, State Park Dr, Childers Ln, Wilshire Dr, 45th Ave, Mesa Dr, Grand Ave, North Ave$650
Thompson Ave, 30th Ave, 35th Ave, S Rodeo Gulch Rd, Cedar St, Seven Gables Way, 38th Ave, Rori Ann Pl, Viga Ct, Lincoln Ave$624
W Walnut St, Sir Francis Ct, Cabrillo St, Santa Cruz Ave, Ridaken Way, Rosedale Ave, Bye Way, 40th Ave, Monterey Ave, Mesa Grande Dr$660
Jacqueline Ln, Fresno St, 30th Ave, Leawood St, Sears Cir, Newport Ave, Coates Dr, Pilgrim Dr, Pepperwood Way, Research Park Dr$646
San Benito Ave, Aptos Creek Rd, Pleasure Point Dr, Sacramento Ave, McGregor Dr, Stockton Ave, Caldwell Dr, New Brighton Rd, Fairview Ave, Lindsay Ln$669

Capitola, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Capitola$94 to $97
Santa Cruz$100
Pleasure Point$99
Soquel$98

Capitola, 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
Santa Cruz CCD, Santa Cruz County, California $100 $133 $200
Pleasure Point CDP, California $99 $132 $198
Soquel CDP, California $98 $131 $197

Capitola, 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
Capitola, CA2.4%11.3%
Santa Cruz1.96%10.77%
Pleasure Point2.09%10.83%
Soquel2.03%9.51%

Capitola Renters Insurance as a Percentage of Rent

Capitola Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 103 4.0% $777
$500 to $749 153 6.0% $1902
$750 to $999 110 4.0% $2652
$1,000 to $1,499 821 32.0% $3777
$1,500 or more 1,310 52.0% $5427

Average Cost Of Home Insurance By Company In Areas Nearby Capitola For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewCentury National596
250000500NewIDS Property Casualty420
250000500NewPrivilege Underwriters Exch1368
250000500NewUniversal North America375
7500002500NewAIG Prop Cas2601
7500002500NewCentury National1441
7500002500NewSafeco765
1500002501-3 YearsAmerican Modern775
1500002501-3 YearsAmerican Security438
1500002501-3 YearsWawanesa398
2000005001-3 YearsAmerican Reliable595
2000005001-3 YearsHomesite620
25000010001-3 YearsPacific Specialty488
3000005001-3 YearsFarmers (Fire Ins)785
40000010001-3 YearsNationwide754
50000010001-3 YearsAAA (Interinsurance Exchange)1023
50000010001-3 YearsAmerican Reliable1253
50000010001-3 YearsAmica Mutual1099
50000010001-3 YearsPacific Property And Casualty533
75000025001-3 YearsCSE Safeguard1083
75000025001-3 YearsForemost Insurance3029
2000005004-6 YearsIntegon/National716
2000005004-6 YearsStillwater Ins Co464

Capitola, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Capitola Homeowner Insurance Premium Example $2,200$1,800
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,300$16,500
Net Savings to Capitola Home Owner from High Deductible Plan $800

Capitola, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Capitola, CA Home Replacement Value MORE than Home Value Capitola, CA Home Replacement Value LESS than Home Value
Replacement Value $677,000 $506,500
Insurance Premium based on Replacement Value $1,750 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,500 Risk Exposure from Under Insuring Coverage is $108,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $150/year

Example Capitola Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmChubb Group of Insurance
Monthly Premium 6779120
Year Built 197819491988
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $350000-$400000$350000-$400000$500000-$600000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 530,000 Membrane Roof 2,060 3 $1000-$2500 Deductible 1100 8 Fiber-Cement Siding yes
1979 235,000 Slate Shingles Roof 910 2 $5000 to $10,000 Deductible 340 7 Wood siding No
1945 365,000 Wood Shake Roof 1,940 4 $500- $1000 Deductible 80 1 Vinyl siding No
1981 255,000 Slate Shingles Roof 1,300 3 $1000-$2500 Deductible 310 4 Stone Siding yes
1948 240,000 Membrane Roof 1,310 2 $2500-$5000 Deductible 330 7 Fiber-Cement Siding No
1944 540,000 Metal Roof 2,100 3 > $10,000 Deductible 270 4 Wood siding No
1947 420,000 Wood Shake Roof 1,730 3 > $10,000 Deductible 230 6 Wood siding yes
1980 355,000 Slate Shingles Roof 1,610 3 $500 Deductible 70 1 Brick siding yes
1986 435,000 Asphalt Shingles Roof 1,630 3 $500- $1000 Deductible 490 4 Fiber-Cement Siding yes
1983 495,000 Asphalt Shingles Roof 1,920 3 $1000-$2500 Deductible 410 5 Wood siding No
1984 245,000 Tile Roof 1,000 2 $5000 to $10,000 Deductible 340 8 Stone Siding No
1942 395,000 Wood Shake Roof 1,810 3 $5000 to $10,000 Deductible 590 7 Brick siding yes
1940 580,000 Tile Roof 2,270 4 $500- $1000 Deductible 1560 9 Fiber-Cement Siding yes
1984 280,000 Metal Roof 1,310 2 $1000-$2500 Deductible 610 8 Stone Siding yes
1974 590,000 Composition Roof 2,960 4 $5000 to $10,000 Deductible 100 1 Vinyl siding yes
1943 675,000 Tile Roof 2,540 4 > $10,000 Deductible 280 3 Stucco siding No
1944 290,000 Wood Shake Roof 1,460 2 $1000-$2500 Deductible 520 8 Fiber-Cement Siding yes
1987 345,000 Asphalt Shingles Roof 1,410 3 $1000-$2500 Deductible 710 9 Wood siding No
1971 395,000 Composition Roof 1,730 3 $5000 to $10,000 Deductible 710 10 Stone Siding No
1988 285,000 Tile Roof 1,420 2 > $10,000 Deductible 480 12 Wood siding yes
1940 440,000 Metal Roof 2,240 3 > $10,000 Deductible 410 8 Vinyl siding No
1971 420,000 Shingles Roof 1,920 4 $5000 to $10,000 Deductible 50 1 Stone Siding yes
1947 415,000 Tile Roof 1,550 2 $2500-$5000 Deductible 320 5 Stone Siding No
1988 480,000 Tile Roof 2,200 3 $5000 to $10,000 Deductible 1160 12 Wood siding No
1980 285,000 Asphalt Shingles Roof 1,240 2 > $10,000 Deductible 170 4 Stucco siding No
1942 270,000 Wood Shake Roof 1,140 2 $500 Deductible 430 7 Stucco siding yes
1976 390,000 Membrane Roof 2,090 4 $1000-$2500 Deductible 430 4 Fiber-Cement Siding yes
1944 470,000 Slate Shingles Roof 2,120 4 $5000 to $10,000 Deductible 220 4 Vinyl siding No
1972 580,000 Membrane Roof 2,670 4 $5000 to $10,000 Deductible 110 1 Wood siding yes
1989 235,000 Wood Shake Roof 1,210 2 > $10,000 Deductible 340 12 Stone Siding No