Montecito Insurance Rates:

Montecito, CA homeowners insurance is roughly $618 to $835, about $51-$69/month. Our comprehensive guide shows customers can save upto $290 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Montecito, CA Homeowners Insurance By Home Value

Montecito, CA Home Value Total Homes % of Total Average Montecito, CA Homeowners Insurance
$60,000 to $69,999 7 6.0% $43
$70,000 to $79,999 8 7.0% $50
$100,000 to $124,999 9 8.0% $72
$150,000 to $174,999 34 32.0% $116
$200,000 to $249,999 13 12.0% $159
$250,000 to $299,999 4 3.0% $196
$300,000 to $399,999 31 29.0% $247

Top Home Insurance Agents Near Montecito, CA

Home Insurance Company Near Montecito, CA Homeowners Insurance Agency Near Montecito, CA Address
NA Hub International Insurance Services, Inc. 2393 Townsgate Road, Suite 101 Westlake Village, Thousand Oaks, CA, 91361
NA Hub International Insurance Services Inc. 40 E Alamar Ave Santa Barbara, Santa Barbara, CA, 93105
Liberty Mutual Independent Colonial Western Insurance Agency 751 E DAILY DR STE 230, CAMARILLO, CA, 93010
State Farm Frank Acosta 877 S Victoria Ave Ste 201, Ventura, CA, 93003-5349
Allstate Troy Lunde 300 E Esplanade Dr Ste 380, Oxnard, CA, 93036

Montecito, 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
Summerland CDP, California $109 $145 $218
Toro Canyon CDP, California $109 $145 $218
Mission Canyon CDP, California $108 $144 $216

Montecito, 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
Montecito, CA1.5%6.1%
Mission Canyon1.7%8.1%
Carpinteria1.97%9.6%
Goleta2.3%12.08%

Montecito Renters Insurance as a Percentage of Rent

Montecito Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 10 1.0% $281
$300 to $499 26 3.0% $1181
$500 to $749 45 6.0% $1856
$1,000 to $1,499 79 10.0% $3731
$1,500 or more 583 78.0% $5381

Montecito, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Montecito Homeowner Insurance Premium Example $3,200$2,700
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,100$25,100
Net Savings to Montecito Home Owner from High Deductible Plan $1,000

Montecito, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Montecito, CA Home Replacement Value MORE than Home Value Montecito, CA Home Replacement Value LESS than Home Value
Replacement Value $1,170,000 $840,000
Insurance Premium based on Replacement Value $3,975 $2,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $160,000 Risk Exposure from Under Insuring Coverage is $170,000
Premium Impact Insurance cheaper by $575/year Insurance costlier by $550/year

Example Montecito Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 125253165
Year Built 201220071982
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $600000-$700000More than 10000000More than 10000000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 860,000 Asphalt Shingles Roof 2,050 3 $2500-$5000 Deductible 680 5 Stucco siding yes
1979 850,000 Membrane Roof 2,000 5 $1000-$2500 Deductible 1410 7 Stone Siding yes
1988 1,200,000 Metal Roof 2,320 4 $500- $1000 Deductible 2290 12 Fiber-Cement Siding yes
1988 1,055,000 Slate Shingles Roof 1,960 3 $500 Deductible 2060 9 Fiber-Cement Siding No
1977 950,000 Asphalt Shingles Roof 1,970 4 $500- $1000 Deductible 1090 5 Stone Siding No
1988 945,000 Composition Roof 2,620 4 $5000 to $10,000 Deductible 940 8 Brick siding yes
1983 950,000 Membrane Roof 2,130 4 $2500-$5000 Deductible 960 5 Fiber-Cement Siding No
1978 915,000 Membrane Roof 2,260 3 $500- $1000 Deductible 1610 7 Wood siding No
1949 1,400,000 Composition Roof 2,610 4 $500 Deductible 2500 10 Brick siding No
2014 1,145,000 Tile Roof 2,610 4 $1000-$2500 Deductible 1060 6 Stucco siding No
2013 1,490,000 Shingles Roof 3,140 4 $5000 to $10,000 Deductible 320 2 Stone Siding No
1983 1,690,000 Tile Roof 3,310 5 $2500-$5000 Deductible 200 1 Fiber-Cement Siding yes
2000 1,710,000 Asphalt Shingles Roof 3,520 5 $2500-$5000 Deductible 740 5 Wood siding yes
1970 610,000 Shingles Roof 1,660 3 $1000-$2500 Deductible 250 2 Fiber-Cement Siding No
1995 910,000 Slate Shingles Roof 1,900 4 $1000-$2500 Deductible 2240 12 Vinyl siding No
1967 1,255,000 Membrane Roof 2,970 4 $500 Deductible 2500 10 Vinyl siding No
1997 915,000 Tile Roof 1,700 3 $500- $1000 Deductible 2080 10 Stucco siding No
2000 950,000 Wood Shake Roof 2,400 3 $500 Deductible 950 5 Brick siding No
1972 1,895,000 Membrane Roof 4,830 5 $1000-$2500 Deductible 1920 12 Fiber-Cement Siding yes
2013 1,230,000 Asphalt Shingles Roof 2,690 4 $5000 to $10,000 Deductible 270 2 Stucco siding No
2009 670,000 Slate Shingles Roof 1,400 3 $2500-$5000 Deductible 1120 8 Brick siding yes
1996 905,000 Membrane Roof 2,150 3 $2500-$5000 Deductible 1490 9 Brick siding No
1988 910,000 Slate Shingles Roof 1,930 4 $500- $1000 Deductible 2240 10 Brick siding yes
1965 805,000 Asphalt Shingles Roof 1,860 4 > $10,000 Deductible 790 6 Fiber-Cement Siding No
1994 1,085,000 Asphalt Shingles Roof 2,080 3 $500- $1000 Deductible 1880 8 Stucco siding yes
1995 1,150,000 Shingles Roof 2,460 4 $2500-$5000 Deductible 1590 9 Wood siding No
1989 710,000 Asphalt Shingles Roof 1,440 3 > $10,000 Deductible 520 5 Fiber-Cement Siding No
2008 915,000 Asphalt Shingles Roof 2,090 3 $5000 to $10,000 Deductible 1060 7 Wood siding No
1979 1,015,000 Shingles Roof 2,070 3 $2500-$5000 Deductible 1710 10 Wood siding No
1948 865,000 Composition Roof 2,030 3 $500 Deductible 1700 8 Stone Siding yes
1996 820,000 Asphalt Shingles Roof 1,830 3 $500 Deductible 740 3 Stone Siding No