Mammoth Lakes Insurance Rates:

Mammoth Lakes, CA homeowners insurance is roughly $527 to $732, about $43-$61/month. Our comprehensive research reveals consumers can save upto $251 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Mammoth Lakes, CA Homeowners Insurance By Home Value

Mammoth Lakes, CA Home Value Total Homes % of Total Average Mammoth Lakes, CA Homeowners Insurance
Less than $50,000 36 3.0% $37
$50,000 to $59,999 23 1.0% $81
$60,000 to $69,999 68 5.0% $100
$70,000 to $79,999 48 4.0% $119
$80,000 to $89,999 44 3.0% $132
$90,000 to $99,999 69 5.0% $150
$125,000 to $149,999 59 4.0% $220
$150,000 to $174,999 50 4.0% $257
$175,000 to $199,999 45 3.0% $301
$200,000 to $249,999 181 15.0% $358
$250,000 to $299,999 182 15.0% $440
$300,000 to $399,999 376 31.0% $559

Top Home Insurance Agents Near Mammoth Lakes, CA

Home Insurance Company Near Mammoth Lakes, CA Homeowners Insurance Agency Near Mammoth Lakes, CA Address
State Farm Dave Easterby 437 Old Mammoth Road Suite J, Mammoth Lakes, CA, 93546-2013
Travelers Inyo-Mono Insurance & Financial Services 306 LAUREL MOUNTAIN RD STE 102, MAMMOTH LAKES, CA, 93546
State Farm James Ferrell 137 N Main St, Bishop, CA, 93514-2736
Liberty Mutual Independent Robert Beach & Assoc Ins Agency Inc 459 West Line Street, Suite 4, Bishop, CA, 93514
State Farm Rod Dorman 204 E Teh Blvd, Tehachapi, CA, 93561-1733

Cost Of Homeowners Insurance By Street Near Mammoth Lakes, CA

Streets in Mammoth Lakes Area Homeowners Insurance Cost
US Hwy 395, Val Disere Pl, Boulder Dr, Brown Subdivision Rd, Thomas Ln, Wyoming St, State Hwy 120, Covington Ln, Lisa Ln, Juniper Dr$623
Convict Dr, N Valley View Dr, Sunny Slopes Rd, Buena Vista Dr, E Mill Creek Ln, Garnet St, Sherwin Creek Rd, Lakeview Blvd, Meadow Ct, Fairway Dr$649
Dobie Meadows Rd, Forest Trl, Burcham Flat Rd, Clark Ranch Rd, Plute Dr, Trails End Rd, Wilson Creek Rd, S Crawford Ave, Meadow Ln, Pine Hurst Rd$619
State Hwy 182, Sherwin Grade Rd, Inca Pl, Sweet Water Rd, Top of the Slopes Ct, Monterey Pine Rd, Crest Ln, Meadow View Dr, Par Ct, Innsbruck Pl$654
Twin Lakes, Tamarack Ln, Kirkwood Dr, Palmer Way, Locust St, Twin Lakes Dr, Pumice Rd, Cougar Run, Black Rock Mine Rd, Pinecliff Rd$604

Mammoth Lakes, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Mammoth Lakes$93 to $95
Benton$86
Sunny Slopes$85
Crowley Lake$92

Mammoth Lakes, 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
Benton CDP, California $72 $96 $144
Sunny Slopes CDP, California $71 $94 $141
Crowley Lake CDP, California $77 $103 $154

Mammoth Lakes, 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
Mammoth Lakes, CA2.1%9.6%
Crowley Lake2.34%13.18%
Mono County2.35%10.08%
Swall Meadows1.89%5.22%

Mammoth Lakes Renters Insurance as a Percentage of Rent

Mammoth Lakes Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 22 1.0% $1234
$500 to $749 134 8.0% $1909
$750 to $999 333 20.0% $2659
$1,000 to $1,499 684 41.0% $3784
$1,500 or more 461 27.0% $5434

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewOregon Mutual408
200000500NewPacific Specialty506
250000500NewMercury Ins Group360
4000001000NewAIG Prop Cas1529
4000001000NewChubb/Federal1353
4000001000NewQBE (Balboa)770
5000001000NewAmerican Reliable1122
5000001000NewFirst American Ins1240
5000002500NewAmica Mutual166
5000002500NewEncompass1820
7500002500NewLiberty Ins Corp172
7500002500NewPacific Specialty1334
1500005001-3 YearsEncompass115
2000005001-3 YearsCalifornia Capital491
2500005001-3 YearsEncompass1550
3000005001-3 YearsChubb/Federal1285
50000010001-3 YearsStillwater Ins Co1119
50000025001-3 YearsCalifornia Casualty678
1500005004-6 YearsCentury National630
2000005004-6 YearsHomesite730
25000010004-6 YearsAmerican Security954

Mammoth Lakes, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Mammoth Lakes Homeowner Insurance Premium Example $3,200$2,700
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $23,200$21,700
Net Savings to Mammoth Lakes Home Owner from High Deductible Plan $1,500

Mammoth Lakes, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Mammoth Lakes, CA Home Replacement Value MORE than Home Value Mammoth Lakes, CA Home Replacement Value LESS than Home Value
Replacement Value $385,000 $252,500
Insurance Premium based on Replacement Value $1,000 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,500 Risk Exposure from Under Insuring Coverage is $53,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $225/year

Example Mammoth Lakes Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateChubb Group of Insurance
Monthly Premium 849945
Year Built 200319981985
Home Details 4 Beds, 1 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$350000-$400000$200000-$250000
Deductible > $10,000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 755,000 Slate Shingles Roof 4,290 5 > $10,000 Deductible 670 7 Wood siding yes
1999 320,000 Metal Roof 1,450 3 $1000-$2500 Deductible 200 3 Wood siding yes
2007 285,000 Membrane Roof 1,470 2 $500 Deductible 680 10 Vinyl siding No
1990 380,000 Metal Roof 2,080 3 $5000 to $10,000 Deductible 230 4 Stucco siding yes
1980 300,000 Composition Roof 1,890 4 $5000 to $10,000 Deductible 450 10 Brick siding yes
1992 550,000 Asphalt Shingles Roof 2,390 4 $5000 to $10,000 Deductible 770 10 Vinyl siding yes
1988 860,000 Asphalt Shingles Roof 4,630 5 $500 Deductible 1300 6 Stone Siding No
2003 365,000 Shingles Roof 2,280 4 $500 Deductible 110 1 Stone Siding No
1978 345,000 Metal Roof 1,790 2 $500- $1000 Deductible 180 3 Brick siding No
1973 1,050,000 Tile Roof 4,670 5 $5000 to $10,000 Deductible 450 3 Stucco siding No
1970 580,000 Membrane Roof 3,020 5 $2500-$5000 Deductible 290 3 Brick siding yes
1984 270,000 Slate Shingles Roof 1,290 3 $5000 to $10,000 Deductible 260 9 Fiber-Cement Siding yes
1981 645,000 Metal Roof 3,200 4 $500- $1000 Deductible 160 1 Stucco siding yes
1989 805,000 Slate Shingles Roof 3,860 5 $2500-$5000 Deductible 1080 6 Brick siding No
1986 825,000 Asphalt Shingles Roof 3,630 5 $2500-$5000 Deductible 420 4 Fiber-Cement Siding No
1983 150,000 Asphalt Shingles Roof 970 2 $1000-$2500 Deductible 350 12 Vinyl siding yes
1991 265,000 Tile Roof 1,650 2 $500- $1000 Deductible 270 4 Brick siding yes
1978 405,000 Asphalt Shingles Roof 2,090 4 $5000 to $10,000 Deductible 600 10 Stucco siding No
1991 645,000 Shingles Roof 2,800 4 $500- $1000 Deductible 1500 9 Brick siding No
1986 240,000 Metal Roof 1,080 2 > $10,000 Deductible 340 12 Stucco siding No
1971 270,000 Membrane Roof 1,580 3 $1000-$2500 Deductible 70 1 Wood siding No
1975 660,000 Tile Roof 3,960 5 $2500-$5000 Deductible 1060 9 Fiber-Cement Siding yes
1984 885,000 Metal Roof 4,850 5 $500- $1000 Deductible 510 2 Fiber-Cement Siding yes
2003 340,000 Tile Roof 1,740 2 $2500-$5000 Deductible 880 10 Fiber-Cement Siding No
1994 200,000 Shingles Roof 990 2 $2500-$5000 Deductible 170 4 Brick siding yes
2000 505,000 Composition Roof 3,090 4 $500- $1000 Deductible 480 4 Brick siding No
2007 210,000 Asphalt Shingles Roof 1,310 3 $5000 to $10,000 Deductible 210 6 Wood siding yes
2006 455,000 Metal Roof 2,330 3 > $10,000 Deductible 50 1 Vinyl siding yes
1998 440,000 Membrane Roof 2,480 5 $500- $1000 Deductible 240 2 Brick siding yes
1988 655,000 Slate Shingles Roof 3,510 5 > $10,000 Deductible 1070 9 Wood siding No
1989 735,000 Metal Roof 3,200 5 $1000-$2500 Deductible 1630 12 Vinyl siding No
1999 260,000 Composition Roof 1,290 2 $500 Deductible 180 3 Stucco siding yes