Lompoc Insurance Rates:

Lompoc, CA homeowners insurance is roughly $519 to $704, about $43-$58/month. Our thorough guide reveals consumers can save as much as $244 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State farm allows you to bundle your auto and life insurance with your existing home policy. this allows the customer to deal with the same representative for all of their needs.
State Farm
Based on our past experience, response from state farm can be slow when responding to claims.
Farmer's Insurance
If i had one reservation about farmers, it is that we do not receive regular communication with them when we do not have business to file. that concern is minimal though, considering what kind of damage others in our country are dealing with right now. i would recommend farmers to anyone looking for economical value and efficiency of service.
Mercury
There is very little on Mercury's website regarding home insurance. It all comes in the statement along with a booklet.
Geico
Geico is a large company that has a great mobile app, it is easy to navigate. Also, easy to get a live person on the phone if I am having trouble with something online.
Allstate
Service is good. Whenever I have a question, I reach out to my agent and he always gets back to me in an acceptable time and is able to satisfactorily answer my questions.

Lompoc, CA Homeowners Insurance By Home Value

Lompoc, CA Home Value Total Homes % of Total Average Lompoc, CA Homeowners Insurance
Less than $50,000 422 5.0% $48
$70,000 to $79,999 109 1.0% $159
$80,000 to $89,999 104 1.0% $183
$90,000 to $99,999 74 1.0% $208
$100,000 to $124,999 222 3.0% $238
$125,000 to $149,999 211 2.0% $299
$150,000 to $174,999 685 9.0% $354
$175,000 to $199,999 447 6.0% $410
$200,000 to $249,999 1,587 21.0% $495
$250,000 to $299,999 1,505 20.0% $599
$300,000 to $399,999 1,915 26.0% $765

Top Home Insurance Agents Near Lompoc, CA

Home Insurance Company Near Lompoc, CA Homeowners Insurance Agency Near Lompoc, CA Address
Liberty Mutual David R Mcgrath 207 West Mission Street, Santa Barbara, CA, 93101
Travelers Engle & Associates Ins Brokers Inc 1236 HIGUERA ST, SAN LUIS OBISPO, CA, 93401
Farmers Michael Puhek Lutcf 671 W Tefft St Ste 7, Nipomo, CA, 93444
Allstate Rick Detty 4869 S Bradley Rd Ste 119, Santa Maria, CA, 93455
State Farm Rick Torres 540 Alisal Rd Ste 4, Solvang, CA, 93463-2637

Cost Of Homeowners Insurance By Street Near Lompoc, CA

Streets in Lompoc Area Homeowners Insurance Cost
Channing Ln, Medinah Ln, Avena Rd, E Fir Ave, S B St, Avalon St, Silver Sage Ln, S Hawthorne St, G St, Jasmine St$615
Douglass Ave, E Anthony Way, Gypsy Cyn Rd, Marion Ct, Montana Ave, Cherry St, Camellia Ct, Mesa Oaks Ln, Hawthorne St, Doral Dr$None
W Hickory Ave, Rinconcito, W Laurel Ave, Oakridge Rd, T St, Ventana Ct, E Oak Ave, Beck Rd, Chaplin Cir, S R St$614
Via Arnez, Archer Ct, Banyan St, Manzanita Rd, Sagan Ct, S Sage St, Via Cortez, St Andrews Way, Civic Center Plz, Drum Canyon Rd$627
Crucero Rd, W Northpoint Pl, Redwood St, N 1st St, Beech St, Westbrook Dr, Cll Cinco, W Fir Ave, S 7th St, S C St$620

Lompoc, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lompoc$91 to $93
Mission Hills$93
Vandenberg Village$92
Casmalia$87

Lompoc, 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
Mission Hills CDP, California $93 $124 $186
Vandenberg Village CDP, California $92 $123 $185
Los Alamos CDP, California $93 $124 $186

Lompoc, 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
Lompoc, CA2.6%13.4%
Mission Hills2.45%18.65%
Vandenberg Village2.3%11.44%
Los Alamos2.37%15.2%

Lompoc Renters Insurance as a Percentage of Rent

Lompoc Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 156 1.0% $793
$300 to $499 279 3.0% $1243
$500 to $749 1,027 12.0% $1918
$750 to $999 2,404 28.0% $2668
$1,000 to $1,499 2,715 31.0% $3793
$1,500 or more 1,845 21.0% $5443

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCalifornia Casualty269
150000250NewSafeco359
150000500NewGrange277
2500001000NewAmerican Reliable549
2500001000NewFirst American Ins344
300000500NewAmco399
5000002500NewChubb/Federal1112
2000005001-3 YearsStillwater Prop & Cas Co386
25000010001-3 YearsSafeco533
40000010001-3 YearsHorace Mann P & C688
40000010001-3 YearsPacific Specialty893
40000010001-3 YearsUSAA627
75000025001-3 YearsChubb/Federal1551
75000025001-3 YearsFirst American Ins948
1500005004-6 YearsPacific Specialty426
25000010004-6 YearsOregon Mutual421
3000005004-6 YearsIDS Property Casualty618
3000005004-6 YearsMAPFRE Group771
3000005004-6 YearsTokio Marine America470
40000010004-6 YearsChubb/Federal1290
50000010004-6 YearsHomesite1068
75000025004-6 YearsCrestbrook1174

Lompoc, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Lompoc Homeowner Insurance Premium Example $900$500
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $7,100$6,300
Net Savings to Lompoc Home Owner from High Deductible Plan $800

Lompoc, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lompoc, CA Home Replacement Value MORE than Home Value Lompoc, CA Home Replacement Value LESS than Home Value
Replacement Value $482,500 $349,500
Insurance Premium based on Replacement Value $1,300 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $52,500 Risk Exposure from Under Insuring Coverage is $80,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $125/year

Example Lompoc Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 434890
Year Built 196019981977
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$200000-$250000$400000-$500000
Deductible $500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 165,000 Composition Roof 1,410 2 $500- $1000 Deductible 260 7 Vinyl siding yes
1982 190,000 Metal Roof 1,610 3 $5000 to $10,000 Deductible 480 12 Fiber-Cement Siding yes
1985 275,000 Slate Shingles Roof 1,710 3 $500 Deductible 120 2 Stucco siding yes
1982 355,000 Composition Roof 2,380 3 $5000 to $10,000 Deductible 200 3 Wood siding yes
1990 345,000 Asphalt Shingles Roof 2,930 4 $500 Deductible 560 6 Brick siding No
1969 175,000 Shingles Roof 1,030 2 $5000 to $10,000 Deductible 120 3 Stone Siding yes
1965 220,000 Shingles Roof 1,530 2 $1000-$2500 Deductible 230 5 Wood siding yes
1983 205,000 Wood Shake Roof 1,370 3 $500- $1000 Deductible 150 3 Wood siding No
1971 190,000 Slate Shingles Roof 1,190 2 $5000 to $10,000 Deductible 30 1 Brick siding No
1996 185,000 Slate Shingles Roof 1,390 2 $500- $1000 Deductible 360 10 Brick siding No
1982 275,000 Membrane Roof 2,360 3 > $10,000 Deductible 580 12 Stucco siding No
1967 265,000 Wood Shake Roof 1,680 2 $500- $1000 Deductible 170 4 Wood siding yes
1980 480,000 Tile Roof 3,340 4 $500 Deductible 570 4 Wood siding No
1966 165,000 Tile Roof 1,020 2 $500 Deductible 360 9 Fiber-Cement Siding No
1992 515,000 Metal Roof 2,980 5 $500 Deductible 510 5 Fiber-Cement Siding yes
1997 375,000 Tile Roof 2,190 3 > $10,000 Deductible 730 12 Stucco siding yes
1984 150,000 Metal Roof 1,200 2 $2500-$5000 Deductible 50 2 Vinyl siding yes
1961 330,000 Membrane Roof 2,420 4 $5000 to $10,000 Deductible 160 3 Vinyl siding yes
1960 455,000 Asphalt Shingles Roof 2,810 5 $1000-$2500 Deductible 380 5 Fiber-Cement Siding No
1975 190,000 Metal Roof 1,480 2 $2500-$5000 Deductible 280 6 Stone Siding yes
1999 335,000 Tile Roof 2,130 5 $500- $1000 Deductible 770 9 Fiber-Cement Siding yes
1981 300,000 Slate Shingles Roof 1,880 3 > $10,000 Deductible 210 5 Brick siding No
1973 205,000 Tile Roof 1,410 2 > $10,000 Deductible 320 12 Fiber-Cement Siding No
1987 180,000 Shingles Roof 1,530 3 $5000 to $10,000 Deductible 150 9 Wood siding No