Pacific Grove Insurance Rates:

Pacific Grove, CA homeowners insurance is approximately $573 to $780, about $47-$65/month. Our exhaustive research indicates shoppers can save upto $270 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Pacific Grove, CA Homeowners Insurance By Home Value

Pacific Grove, CA Home Value Total Homes % of Total Average Pacific Grove, CA Homeowners Insurance
Less than $50,000 31 7.0% $20
$70,000 to $79,999 11 2.0% $67
$80,000 to $89,999 12 3.0% $81
$90,000 to $99,999 11 2.0% $88
$100,000 to $124,999 10 2.0% $108
$150,000 to $174,999 19 4.0% $155
$175,000 to $199,999 17 4.0% $182
$200,000 to $249,999 80 20.0% $216
$250,000 to $299,999 52 13.0% $270
$300,000 to $399,999 155 38.0% $345

Top Home Insurance Agents Near Pacific Grove, CA

Home Insurance Company Near Pacific Grove, CA Homeowners Insurance Agency Near Pacific Grove, CA Address
Travelers Kennedy Ins Agency Inc 950 S BASCOM AVE STE 2009, SAN JOSE, CA, 95128
State Farm Michael Palmaffy 1610 Blossom Hill Rd Ste 3B, San Jose, CA, 95124-6349
Allstate Norvin Vogel 2155 S Bascom Ave Ste 205, Campbell, CA, 95008
Travelers Pierre Apan 1799 HAMILTON AVE STE 203, SAN JOSE, CA, 95125
Farmers Robert White 108 El Camino Real, Greenfield, CA, 93927

Cost Of Homeowners Insurance By Street Near Pacific Grove, CA

Streets in Pacific Grove Area Homeowners Insurance Cost
Colton Rd, Quarterdeck Way, Melrose St, Broncho Rd, Crescent Rd, Companion Way, Raccoon Trl, Presidio Rd, Granite St, Ocean View Blvd$None
Forest Park Ct, Mission Rd, Marcheta Ln, Line St, Oleada Rd, Sherman Rd, Sea Palm Ave, Sinex Ave, Crocker Ave, Grand Ave$None
Arena Ave, Funston Ave, Evergreen Rd, 16th St, Country Club Gate, Sawmill Gulch Rd, 20th St, Bentley St, Stevenson Dr, del Ciervo Rd$695
Sand Dunes Rd, Arrowhead Rd, Ransford Ave, Arkwright Ct, Ridge Rd, Customs Rd, Mestres Dr, Oasis Rd, Lake Rd, Park Pl$None
Hopi Rd, Redwood Ln, Mora Ln, Forest Lake Rd, Costado Pl, Spazier Ave, Beauford Pl, Cabrillo Rd, Walcott Way, Chaparral Rd$None

Pacific Grove, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pacific Grove$100 to $102
Seaside-Monterey$98
Monterey$100
Del Monte Forest$109

Pacific Grove, 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
Seaside-Monterey CCD, Monterey County, California $98 $131 $197
Monterey city, California $101 $134 $201
Del Monte Forest CDP, California $109 $145 $218

Pacific Grove, 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
Pacific Grove, CA2.2%12.5%
Seaside-Monterey2.2%11.68%
Monterey2.35%10.83%
Del Monte Forest1.77%6.82%

Pacific Grove Renters Insurance as a Percentage of Rent

Pacific Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 109 3.0% $1883
$750 to $999 291 8.0% $2633
$1,000 to $1,499 1,565 43.0% $3758
$1,500 or more 1,543 43.0% $5408

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewMAPFRE Group300
2500001000NewQBE (Balboa)523
250000500NewHorace Mann459
5000001000NewLiberty Ins Corp751
5000001000NewMetropolitan Direct1421
5000002500NewIDS Property Casualty782
1500005001-3 YearsAmerican Security435
1500005001-3 YearsOregon Mutual386
3000005001-3 YearsAmerican Security880
3000005001-3 YearsLiberty Ins Corp685
40000010001-3 YearsUSAA691
50000010001-3 YearsAmerican Security1382
50000025001-3 YearsMercury Ins Group500
75000025001-3 YearsPrivilege Underwriters Exch1930
1500005004-6 YearsBankers Standard1587
1500005004-6 YearsFarmers (Fire Ins)581
1500005004-6 YearsSafeco385
2500005004-6 YearsUnigard Group694
3000005004-6 YearsAmica Mutual898
3000005004-6 YearsWawanesa731
40000010004-6 YearsQBE (Balboa)843
50000010004-6 YearsCalifornia Casualty880
50000025004-6 YearsCalifornia Capital709
25000010007-15 YearsMercury Ins Group488

Pacific Grove, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$4,100
Yearly Pacific Grove Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,500$14,500
Net Savings to Pacific Grove Home Owner from High Deductible Plan $1,000

Pacific Grove, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pacific Grove, CA Home Replacement Value MORE than Home Value Pacific Grove, CA Home Replacement Value LESS than Home Value
Replacement Value $998,500 $665,500
Insurance Premium based on Replacement Value $2,400 $1,600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $166,500 Risk Exposure from Under Insuring Coverage is $166,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $400/year

Example Pacific Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceState Farm
Monthly Premium 93121153
Year Built 198819651944
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $400000-$500000$600000-$700000$800000-$900000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 770,000 Shingles Roof 2,530 4 $500 Deductible 1130 5 Brick siding No
1975 670,000 Metal Roof 2,340 3 $1000-$2500 Deductible 580 6 Stone Siding yes
1958 545,000 Tile Roof 1,980 4 $1000-$2500 Deductible 490 4 Fiber-Cement Siding No
1946 370,000 Metal Roof 1,220 3 $1000-$2500 Deductible 80 1 Vinyl siding No
1949 745,000 Membrane Roof 1,970 3 $500 Deductible 1680 9 Wood siding No
1977 800,000 Tile Roof 2,270 3 $2500-$5000 Deductible 470 3 Wood siding yes
1950 585,000 Metal Roof 2,320 4 > $10,000 Deductible 80 1 Fiber-Cement Siding yes
1963 610,000 Wood Shake Roof 1,720 3 $2500-$5000 Deductible 1380 12 Vinyl siding No
1942 355,000 Tile Roof 1,140 2 $1000-$2500 Deductible 320 6 Brick siding yes
1953 740,000 Composition Roof 2,100 3 $500 Deductible 850 4 Wood siding yes
1986 645,000 Metal Roof 2,140 3 $500 Deductible 1750 12 Fiber-Cement Siding yes
1984 325,000 Shingles Roof 980 2 $2500-$5000 Deductible 300 6 Stucco siding yes
1950 455,000 Composition Roof 1,550 3 $2500-$5000 Deductible 640 8 Fiber-Cement Siding yes
1979 525,000 Shingles Roof 1,590 3 $5000 to $10,000 Deductible 360 5 Fiber-Cement Siding yes
1986 465,000 Slate Shingles Roof 1,260 2 > $10,000 Deductible 220 4 Stone Siding No
1942 480,000 Metal Roof 1,510 3 $500- $1000 Deductible 820 8 Vinyl siding yes
1960 620,000 Metal Roof 1,790 4 $2500-$5000 Deductible 1340 8 Vinyl siding No
1960 445,000 Wood Shake Roof 1,570 3 > $10,000 Deductible 130 2 Stucco siding No
1952 795,000 Slate Shingles Roof 2,160 3 $2500-$5000 Deductible 1450 10 Wood siding No
1984 360,000 Shingles Roof 1,300 3 $2500-$5000 Deductible 680 10 Stone Siding No
1973 285,000 Composition Roof 1,040 2 $500- $1000 Deductible 580 12 Stone Siding yes
1955 795,000 Tile Roof 2,850 4 $1000-$2500 Deductible 1160 8 Vinyl siding yes
1981 980,000 Composition Roof 3,130 4 $5000 to $10,000 Deductible 540 3 Wood siding No
1970 340,000 Wood Shake Roof 920 2 $5000 to $10,000 Deductible 190 5 Vinyl siding No
1967 920,000 Metal Roof 3,190 4 $500 Deductible 2170 9 Brick siding No
1977 415,000 Asphalt Shingles Roof 1,600 4 $500 Deductible 1350 10 Fiber-Cement Siding No
1963 480,000 Metal Roof 1,530 2 > $10,000 Deductible 610 10 Stucco siding No
1975 725,000 Composition Roof 2,840 4 $500- $1000 Deductible 1020 8 Stone Siding yes
1962 865,000 Metal Roof 2,500 4 $500- $1000 Deductible 1670 9 Stone Siding No
1979 505,000 Shingles Roof 1,720 2 $500 Deductible 1390 12 Vinyl siding No
1960 935,000 Membrane Roof 2,700 4 $5000 to $10,000 Deductible 530 4 Wood siding yes
1949 375,000 Metal Roof 1,120 2 $1000-$2500 Deductible 950 9 Stone Siding No
1954 480,000 Asphalt Shingles Roof 1,530 2 $2500-$5000 Deductible 90 1 Fiber-Cement Siding yes
1954 1,025,000 Wood Shake Roof 2,810 4 > $10,000 Deductible 810 7 Vinyl siding No