Garberville Insurance Rates:

Garberville, CA homeowners insurance is approximately $518 to $709, about $43-$59/month. Our exhaustive analysis indicates shoppers can save as much as $245 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Garberville, CA Homeowners Insurance By Home Value

Garberville, CA Home Value Total Homes % of Total Average Garberville, CA Homeowners Insurance
Less than $50,000 206 8.0% $49
$50,000 to $59,999 56 2.0% $110
$70,000 to $79,999 93 4.0% $153
$100,000 to $124,999 122 5.0% $227
$150,000 to $174,999 161 7.0% $343
$175,000 to $199,999 131 5.0% $392
$200,000 to $249,999 427 18.0% $472
$250,000 to $299,999 377 16.0% $583
$300,000 to $399,999 684 29.0% $736

Top Home Insurance Agents Near Garberville, CA

Home Insurance Company Near Garberville, CA Homeowners Insurance Agency Near Garberville, CA Address
Liberty Mutual Independent Anderson Robinson Starkey Ins 1117 SAMOA BLVD, ARCATA, CA, 95521
Farmers Chris Dannewitz 1140 5th St, EUREKA, CA, 95501
State Farm Grondo Grondalski 692 14th St, Arcata, CA, 95521-5870
Liberty Mutual Independent Harbers Insurance Agency 210 12TH ST, FORTUNA, CA, 95540
State Farm Scott Hammond 537 7th St, Eureka, CA, 95501-6806

Cost Of Homeowners Insurance By Street Near Garberville, CA

Streets in Garberville Area Homeowners Insurance Cost
E Fork Rd, Bear Creek Rd, Eubanks Rd, Oakcrest Dr, Sunny Ln, Star Ln, Old Hindley Ranch Rd, Wmccann Rd, Little Buck Mountain Rd, Ridgeview Cir$610
Tierney Rd, Wade Rd, Panther Gap, S Sequoia Ave, Riverside Dr, Berkeley St, Gibney Rd, Tranquility Ln, Dean Creek Rd, Frost Ln$606
4th Ave, Marten Way, Belleview Ave, Homestead Rd, Red Rock Rd, Highland Ave, Huckleberry Ln, Side St, Sunny Valley Ln, Chamise Loop$609
Wells Rd, Shaker Rd, Whitmore Ln, Kadin Way, Jay Smith Rd, Spring Canyon Ln, Hope Ln, Frances Grove Ln, Kimtu Ct, Miller St$623
View Cir, Metropolitan Rd, Tsarnas Rd, Boy Scout Rd, Ferren Rd, Perry Meadow, Old Ranch Rd, Telegraph Creek Rd, Pigeon Rd, Blueridge Rd$621

Garberville, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Garberville$91 to $94
Miranda$88
Redway$91
Weott$85

Garberville, 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
Miranda CDP, California $74 $99 $148
Redway CDP, California $77 $102 $153
Weott CDP, California $71 $94 $141

Garberville, 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
Garberville, CA3.3%13.4%
Benbow3.54%13.84%
Shelter Cove2.66%10.94%
Fortuna3.31%12.04%

Garberville Renters Insurance as a Percentage of Rent

Garberville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 19 1.0% $342
$200 to $299 88 5.0% $792
$300 to $499 31 1.0% $1242
$500 to $749 516 32.0% $1917
$750 to $999 371 23.0% $2667
$1,000 to $1,499 467 28.0% $3792
$1,500 or more 120 7.0% $5442

Garberville, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Garberville Homeowner Insurance Premium Example $1,000$500
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $5,600$5,100
Net Savings to Garberville Home Owner from High Deductible Plan $500

Garberville, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Garberville, CA Home Replacement Value MORE than Home Value Garberville, CA Home Replacement Value LESS than Home Value
Replacement Value $394,000 $274,000
Insurance Premium based on Replacement Value $1,025 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $41,000 Risk Exposure from Under Insuring Coverage is $79,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $125/year

Example Garberville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceLiberty Mutual
Monthly Premium 276192
Year Built 199219731987
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$250000-$300000$500000-$600000
Deductible > $10,000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 185,000 Slate Shingles Roof 1,340 3 $500 Deductible 230 6 Stucco siding yes
1971 260,000 Composition Roof 1,540 2 $5000 to $10,000 Deductible 300 6 Brick siding No
2004 330,000 Asphalt Shingles Roof 2,070 3 $500 Deductible 100 1 Fiber-Cement Siding No
1999 215,000 Membrane Roof 1,730 2 $500 Deductible 410 9 Fiber-Cement Siding No
2003 380,000 Composition Roof 2,190 4 $500 Deductible 540 5 Stucco siding No
1969 255,000 Composition Roof 1,970 3 $1000-$2500 Deductible 220 4 Brick siding yes
2014 205,000 Tile Roof 1,720 3 > $10,000 Deductible 270 8 Brick siding No
1966 600,000 Shingles Roof 3,340 4 > $10,000 Deductible 230 3 Stucco siding No
1999 210,000 Composition Roof 1,410 2 $500- $1000 Deductible 50 1 Brick siding No
1991 270,000 Composition Roof 1,560 2 $500- $1000 Deductible 300 4 Vinyl siding yes
2007 245,000 Wood Shake Roof 1,810 4 $2500-$5000 Deductible 400 9 Wood siding yes
2009 375,000 Metal Roof 2,260 4 > $10,000 Deductible 50 1 Vinyl siding yes
1980 190,000 Slate Shingles Roof 1,150 2 $500- $1000 Deductible 260 6 Brick siding yes
1986 235,000 Wood Shake Roof 1,310 3 $2500-$5000 Deductible 290 7 Wood siding No
1981 210,000 Wood Shake Roof 1,370 3 $500- $1000 Deductible 500 12 Brick siding yes
1975 190,000 Composition Roof 1,460 2 $500- $1000 Deductible 140 4 Brick siding yes
2005 400,000 Membrane Roof 2,810 4 $500 Deductible 650 8 Fiber-Cement Siding yes
1983 375,000 Shingles Roof 2,240 4 > $10,000 Deductible 200 5 Stucco siding yes
2007 250,000 Membrane Roof 1,390 2 $500- $1000 Deductible 620 10 Vinyl siding No
1960 150,000 Shingles Roof 1,030 2 $500 Deductible 40 1 Stone Siding No
1963 215,000 Slate Shingles Roof 1,540 2 $500 Deductible 550 9 Brick siding No
2006 250,000 Wood Shake Roof 1,640 2 $2500-$5000 Deductible 140 3 Vinyl siding No
1960 240,000 Membrane Roof 1,970 4 $1000-$2500 Deductible 440 10 Wood siding No
1997 235,000 Asphalt Shingles Roof 1,520 3 $500 Deductible 160 3 Vinyl siding yes
2006 315,000 Composition Roof 1,780 3 $2500-$5000 Deductible 60 1 Vinyl siding No
2014 250,000 Metal Roof 1,730 3 $5000 to $10,000 Deductible 400 10 Fiber-Cement Siding yes
1976 200,000 Wood Shake Roof 1,270 2 $2500-$5000 Deductible 110 4 Brick siding No
1966 260,000 Membrane Roof 2,010 3 $5000 to $10,000 Deductible 70 2 Stone Siding No
1986 380,000 Shingles Roof 2,120 3 $5000 to $10,000 Deductible 330 5 Vinyl siding No
1977 355,000 Wood Shake Roof 2,030 3 $500- $1000 Deductible 70 1 Brick siding No
2000 300,000 Asphalt Shingles Roof 2,160 3 $1000-$2500 Deductible 520 6 Fiber-Cement Siding No
1996 155,000 Tile Roof 1,220 3 $5000 to $10,000 Deductible 60 2 Fiber-Cement Siding No
2002 425,000 Membrane Roof 3,020 4 $1000-$2500 Deductible 70 1 Fiber-Cement Siding yes
1984 295,000 Tile Roof 1,980 3 $500 Deductible 90 1 Vinyl siding yes