Half Moon Bay Insurance Rates:

Half Moon Bay, CA homeowners insurance is roughly $582 to $796, about $48-$66/month. Our detailed research shows customers can save as much as $275 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
The website is really easy to use and navigate. you can search new/old policy plans and makes changes online if needed.
Farmer's Insurance
Sometimes it takes quite a while to hear back from them since we are a small town in rural texas.
American National Property And Casualty Company
Anpac offers home, auto and life policies. they offer line item discounts for items such as home security systems, window etching, etc. in addition, they offer discounts on your overall pricing, based on how many policies you have with them. the more policies you carry with them, the larger the discount you receive.
Allstate
The customer service for this company is outstanding. My agent is outstanding. Always there when I need them, never had a problem.
State Farm
I like that I am able to bundle my home an auto insurance for a discount. The coverage I receive puts my mind at ease.
Travelers
They very frequently do not call you back when you leave messages. I even had direct lines to leave voicemails and they still did not call me back.
Liberty Mutual
The company gives me peace of mind when it comes to protecting my material possessions. I've known people who've lost everything and did not have insurance. Now I know if something happens, I will have finances to rebuild.

Half Moon Bay, CA Homeowners Insurance By Home Value

Half Moon Bay, CA Home Value Total Homes % of Total Average Half Moon Bay, CA Homeowners Insurance
Less than $50,000 215 23.0% $20
$50,000 to $59,999 35 3.0% $41
$60,000 to $69,999 32 3.0% $55
$70,000 to $79,999 27 3.0% $62
$80,000 to $89,999 74 8.0% $75
$90,000 to $99,999 50 5.0% $82
$100,000 to $124,999 62 6.0% $96
$125,000 to $149,999 20 2.0% $124
$150,000 to $174,999 67 7.0% $144
$175,000 to $199,999 13 1.0% $165
$200,000 to $249,999 32 3.0% $199
$250,000 to $299,999 19 2.0% $248
$300,000 to $399,999 250 27.0% $310

Top Home Insurance Agents Near Half Moon Bay, CA

Home Insurance Company Near Half Moon Bay, CA Homeowners Insurance Agency Near Half Moon Bay, CA Address
State Farm Gary Zilk 2092 Omega Rd Ste G-1, San Ramon, CA, 94583-1230
Travelers Jaffe-Schlossberg Inc 3502 Geary Blvd San Francisco, San Francisco, CA, 94118
Allstate Jayne Oertwig 3496 Buskirk Ave Ste 108, Pleasant Hill, CA, 94523
State Farm John Mcafee 1779 Woodside Rd Ste 200, Redwood City, CA, 94061-3438
Allstate Laila Zachariah 15466 Los Gatos Blvd Ste 205, Los Gatos, CA, 95032

Cost Of Homeowners Insurance By Street Near Half Moon Bay, CA

Streets in Half Moon Bay Area Homeowners Insurance Cost
Tunitas Creek Rd, Vassar Ave, W Sweet Ave, Beverly Dr, Lincoln St, Ninth St, Madrone Ave, Fir St, Driftwood Trl, Carlos St$685
9th St, Manzanita Rd, Pinehurst Ln, del Mar Ave, Rapley Ranch Rd, J L B Rd, Grand Blvd, Guerrero St, Venice Blvd, Sierra St$671
Ave Portola, Hill Rd, North St, Denniston Creek Rd, Pelican Cir, Tunitas Creek Rd, 662, Dolphine Ave, Santa Anna St, Sunset Ter$705
Acacia St, First, Oil Creek Rd, Merion Rd, Greenbrier Ct, Belleville Blvd, Ellendale St, Whitehouse Creek Rd, Alcatraz Ave, Moro Ave$680
Alston Rd, Montecito Ave, Tunitas Creek Ranch Rd, Colombus St, Las Flores Rd, Barranca Knolls, Back Rd, Alto Ave, Fourteenth St, Half Moon Bay Rd$726

Half Moon Bay, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Half Moon Bay$102 to $104
San Mateo County$102
Pescadero$105
Loma Mar$107

Half Moon Bay, 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
San Mateo County, California $102 $136 $204
Pescadero CDP, California $105 $140 $210
Loma Mar CDP, California $107 $143 $215

Half Moon Bay, 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
Half Moon Bay, CA1.7%10.2%
San Mateo County1.74%10.42%
Pescadero1.46%12.61%
La Honda1.4%6.67%

Half Moon Bay Renters Insurance as a Percentage of Rent

Half Moon Bay Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 35 1.0% $302
$200 to $299 42 1.0% $752
$300 to $499 83 2.0% $1202
$500 to $749 315 10.0% $1877
$750 to $999 235 7.0% $2627
$1,000 to $1,499 829 28.0% $3752
$1,500 or more 1,419 47.0% $5402

Average Cost Of Home Insurance By Company In Areas Nearby Half Moon Bay For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewQBE (Balboa)427
250000500NewMAPFRE Group405
250000500NewSafeco431
250000500NewUniversal North America346
4000001000NewCentury National868
4000001000NewLiberty Ins Corp665
4000001000NewMercury Ins Group400
4000001000NewStillwater Ins Co434
7500002500NewStillwater Prop & Cas Co659
1500005001-3 YearsForemost Insurance627
1500005001-3 YearsPacific Specialty336
2500005001-3 YearsPrivilege Underwriters Exch1302
50000025001-3 YearsFarmers (Fire Ins)915
25000010004-6 YearsQBE (Balboa)525
2500005004-6 YearsHomesite804
2500005004-6 YearsStillwater Prop & Cas Co584
40000010004-6 YearsChubb/Federal1865
40000010004-6 YearsMAPFRE Group790
50000025004-6 YearsIntegon/National864
1500002507-15 YearsHartford (Sentinel)494
1500005007-15 YearsHorace Mann P & C468
2000005007-15 YearsSafeco505

Half Moon Bay, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Half Moon Bay Homeowner Insurance Premium Example $2,100$1,600
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,700$14,200
Net Savings to Half Moon Bay Home Owner from High Deductible Plan $1,500

Half Moon Bay, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Half Moon Bay, CA Home Replacement Value MORE than Home Value Half Moon Bay, CA Home Replacement Value LESS than Home Value
Replacement Value $810,000 $556,500
Insurance Premium based on Replacement Value $2,600 $1,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $148,000 Risk Exposure from Under Insuring Coverage is $105,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $475/year

Example Half Moon Bay Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateState Farm
Monthly Premium 138241154
Year Built 196919881997
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000More than 10000000More than 10000000
Deductible $1000-$2500 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Half Moon Bay, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1943 1,730,000 Membrane Roof 4,870 5 $2500-$5000 Deductible 940 6 Vinyl siding yes
1999 700,000 Metal Roof 2,040 5 $2500-$5000 Deductible 1260 10 Brick siding No
1992 1,450,000 Tile Roof 4,860 5 > $10,000 Deductible 790 7 Fiber-Cement Siding yes
1944 490,000 Wood Shake Roof 1,270 3 $500- $1000 Deductible 1400 12 Fiber-Cement Siding yes
1960 755,000 Metal Roof 1,970 3 $2500-$5000 Deductible 1140 7 Vinyl siding yes
1987 850,000 Membrane Roof 2,630 5 $500 Deductible 500 3 Stone Siding No
1966 600,000 Metal Roof 2,060 4 $500- $1000 Deductible 770 5 Vinyl siding yes
1982 850,000 Metal Roof 3,020 4 $1000-$2500 Deductible 1620 9 Wood siding yes
1984 745,000 Asphalt Shingles Roof 2,020 5 > $10,000 Deductible 470 7 Brick siding yes
2003 520,000 Metal Roof 1,780 5 $500- $1000 Deductible 1190 10 Fiber-Cement Siding yes
1971 795,000 Metal Roof 2,020 3 $500- $1000 Deductible 1700 9 Wood siding yes
1942 490,000 Slate Shingles Roof 1,720 4 $5000 to $10,000 Deductible 300 3 Fiber-Cement Siding No
1981 1,795,000 Asphalt Shingles Roof 4,500 5 $5000 to $10,000 Deductible 1220 9 Brick siding No
1943 995,000 Shingles Roof 2,640 4 $2500-$5000 Deductible 1790 8 Stucco siding yes
1985 590,000 Tile Roof 2,070 5 $5000 to $10,000 Deductible 540 6 Brick siding No
1949 825,000 Slate Shingles Roof 2,350 4 $1000-$2500 Deductible 570 3 Vinyl siding yes
1943 1,660,000 Tile Roof 4,380 5 $500- $1000 Deductible 1830 8 Brick siding yes
1940 635,000 Asphalt Shingles Roof 1,680 4 > $10,000 Deductible 220 3 Vinyl siding yes
1947 825,000 Shingles Roof 2,270 4 $500- $1000 Deductible 730 3 Stucco siding yes
1967 1,755,000 Membrane Roof 4,630 5 $2500-$5000 Deductible 750 5 Vinyl siding yes
1970 855,000 Metal Roof 2,120 3 $2500-$5000 Deductible 1780 12 Fiber-Cement Siding yes
2004 695,000 Wood Shake Roof 1,820 4 $5000 to $10,000 Deductible 860 8 Stucco siding No
1972 660,000 Asphalt Shingles Roof 1,590 5 $500- $1000 Deductible 880 5 Wood siding No
1964 1,315,000 Slate Shingles Roof 4,250 5 > $10,000 Deductible 1680 12 Vinyl siding No
1981 980,000 Tile Roof 2,430 4 > $10,000 Deductible 520 4 Brick siding No
2009 540,000 Wood Shake Roof 1,440 3 > $10,000 Deductible 180 3 Fiber-Cement Siding No
2008 545,000 Composition Roof 1,680 3 $5000 to $10,000 Deductible 540 7 Stucco siding No
1971 730,000 Shingles Roof 2,270 3 $5000 to $10,000 Deductible 400 4 Vinyl siding yes
1969 825,000 Wood Shake Roof 2,580 4 $2500-$5000 Deductible 190 1 Stucco siding yes
1945 1,010,000 Asphalt Shingles Roof 3,510 5 $5000 to $10,000 Deductible 640 4 Wood siding yes
1998 790,000 Metal Roof 2,700 5 $500- $1000 Deductible 770 4 Fiber-Cement Siding No
1941 715,000 Asphalt Shingles Roof 1,760 4 $500- $1000 Deductible 410 2 Stone Siding No
1968 920,000 Membrane Roof 2,270 3 > $10,000 Deductible 1020 9 Fiber-Cement Siding No
1960 545,000 Metal Roof 1,310 3 $500 Deductible 160 1 Stone Siding yes