Live Oak Insurance Rates:

Live Oak, CA homeowners insurance is approximately $550 to $752, about $45-$62/month. Our detailed guide shows customers can save as much as $260 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Live Oak, CA Homeowners Insurance By Home Value

Live Oak, CA Home Value Total Homes % of Total Average Live Oak, CA Homeowners Insurance
Less than $50,000 53 3.0% $26
$60,000 to $69,999 25 1.0% $78
$70,000 to $79,999 48 3.0% $91
$100,000 to $124,999 38 2.0% $130
$125,000 to $149,999 88 6.0% $169
$150,000 to $174,999 109 8.0% $195
$175,000 to $199,999 39 2.0% $227
$200,000 to $249,999 166 12.0% $273
$250,000 to $299,999 240 17.0% $338
$300,000 to $399,999 517 38.0% $429

Top Home Insurance Agents Near Live Oak, CA

Home Insurance Company Near Live Oak, CA Homeowners Insurance Agency Near Live Oak, CA Address
Travelers Alegrity Insurance Agency Llc 274 E HAMILTON AVE STE G, CAMPBELL, CA, 95008
State Farm Bob Schnitger 44840 S Grimmer Blvd, Fremont, CA, 94538-6333
State Farm Larry Westphal 4625 1st St Ste 110, Pleasanton, CA, 94566-7368
Liberty Mutual Independent Leavitt Pacific Insurance Brokers Inc. 1330 S Bascom Ave, SAN JOSE, CA, 95128
Travelers Peck & Peck Insurance 1724 LAUREL ST, SAN CARLOS, CA, 94070

Cost Of Homeowners Insurance By Street Near Live Oak, CA

Streets in Live Oak Area Homeowners Insurance Cost
42nd Ave, Bronco Rd, Watson St, Strawberry Ln, Francesco Cir, Thompson Ave, Acacia Way, Prospect Ct, Jackson St, Odyssey Ct$637
49th Ave, Glenwood Ave, Lotman Dr, 16th Ave, Woolpert Ave, Cisco Ln, Vis de Laveaga, Harrison Ave, Stanley Ave, Rina Ct$630
Pacheco Ave, Eastcrest Ln, Marine Parade, Bowman Ct, Brookwood Dr, Jose Ave, Dazzle Ln, Atlantic Ave, Mott Ave, S Rodeo Gulch Rd$670
Angela Dr, Sanders Ct, el Dorado Ave, Pound Ln, Jose Ave, Katherine Ln, Trevethan Ave, Dempsey Rd, Kenny Ct, Harbor Oaks Cir$663
Branciforte Dr, Mentel Ave, Harkleroad Ave, Paul Sweet Rd, Upper Park Rd, Bronson St, Stagg Ln, Reinelt Ave, Heather Ct, 41st Ave$669

Live Oak, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Live Oak$97 to $100
Santa Cruz$100
Capitola$96
Twin Lakes$97

Live Oak, 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 $84 $111 $167
Capitola city, California $80 $107 $160
Twin Lakes CDP, California $81 $107 $161

Live Oak, 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
Live Oak, CA2.0%12.2%
Santa Cruz1.96%10.77%
Capitola2.35%11.33%
Twin Lakes1.93%12.09%

Live Oak Renters Insurance as a Percentage of Rent

Live Oak Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 29 1.0% $322
$200 to $299 125 5.0% $772
$300 to $499 101 4.0% $1222
$500 to $749 132 5.0% $1897
$750 to $999 167 7.0% $2647
$1,000 to $1,499 572 25.0% $3772
$1,500 or more 1,086 49.0% $5422

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewLiberty Ins Corp436
250000500NewQBE (Balboa)619
4000001000NewAIG Prop Cas1747
1500002501-3 YearsCentury National511
1500002501-3 YearsStillwater Ins Co360
2000005001-3 YearsMercury Ins Group300
25000010001-3 YearsGrange937
2500005001-3 YearsBankers Standard1831
40000010001-3 YearsAmerican Modern1670
40000010001-3 YearsForemost Insurance1455
50000025001-3 YearsAmerican Reliable1126
75000025001-3 YearsFirst American Ins1470
1500005004-6 YearsKemper515
2000005004-6 YearsUSAA495
2500005004-6 YearsAmerican Modern1077
3000005004-6 YearsAmco719
40000010004-6 YearsStillwater Ins Co717
50000025004-6 YearsAmerican Reliable1171
75000025004-6 YearsStillwater Ins Co943
2000005007-15 YearsAAA (Interinsurance Exchange)764
3000005007-15 YearsAmerican Security971
3000005007-15 YearsChubb/Federal1750
40000010007-15 YearsHomesite1025
40000010007-15 YearsIntegon/National1094

Live Oak, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$3,900
Yearly Live Oak Homeowner Insurance Premium Example $1,500$900
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $9,900$9,300
Net Savings to Live Oak Home Owner from High Deductible Plan $600

Live Oak, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Live Oak, CA Home Replacement Value MORE than Home Value Live Oak, CA Home Replacement Value LESS than Home Value
Replacement Value $755,000 $464,500
Insurance Premium based on Replacement Value $2,650 $1,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $154,500 Risk Exposure from Under Insuring Coverage is $136,000
Premium Impact Insurance cheaper by $475/year Insurance costlier by $550/year

Example Live Oak Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersFarmers Insurance
Monthly Premium 389997
Year Built 200519771998
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$350000-$400000$600000-$700000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 260,000 Membrane Roof 970 2 $1000-$2500 Deductible 320 7 Vinyl siding yes
2005 595,000 Slate Shingles Roof 2,010 4 > $10,000 Deductible 470 8 Fiber-Cement Siding yes
1995 400,000 Asphalt Shingles Roof 1,430 2 $5000 to $10,000 Deductible 390 5 Wood siding yes
2002 410,000 Asphalt Shingles Roof 1,450 2 $500 Deductible 1040 12 Fiber-Cement Siding yes
1973 500,000 Metal Roof 1,760 2 $1000-$2500 Deductible 780 7 Wood siding No
1994 570,000 Shingles Roof 2,060 4 $5000 to $10,000 Deductible 430 6 Stone Siding No
1991 385,000 Wood Shake Roof 1,580 3 $5000 to $10,000 Deductible 180 3 Wood siding No
2007 590,000 Composition Roof 2,100 3 $500- $1000 Deductible 590 4 Stone Siding No
1984 520,000 Wood Shake Roof 2,090 4 $500 Deductible 370 3 Fiber-Cement Siding yes
1999 325,000 Slate Shingles Roof 1,140 2 > $10,000 Deductible 590 12 Brick siding No
1977 490,000 Membrane Roof 2,300 3 $2500-$5000 Deductible 790 10 Wood siding No
1988 355,000 Asphalt Shingles Roof 1,490 3 $2500-$5000 Deductible 110 2 Vinyl siding yes
2002 660,000 Slate Shingles Roof 2,480 4 $500 Deductible 1170 7 Brick siding No