Pajaro Insurance Rates:

Pajaro, CA homeowners insurance is approximately $531 to $724, about $44-$60/month. Our detailed analysis shows customers can save upto $250 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Pajaro, CA Homeowners Insurance By Home Value

Pajaro, CA Home Value Total Homes % of Total Average Pajaro, CA Homeowners Insurance
Less than $50,000 53 3.0% $37
$50,000 to $59,999 48 3.0% $87
$60,000 to $69,999 34 2.0% $106
$70,000 to $79,999 29 1.0% $125
$90,000 to $99,999 34 2.0% $156
$100,000 to $124,999 55 3.0% $181
$125,000 to $149,999 22 1.0% $225
$150,000 to $174,999 33 2.0% $269
$200,000 to $249,999 187 12.0% $376
$250,000 to $299,999 359 23.0% $457
$300,000 to $399,999 643 42.0% $583

Top Home Insurance Agents Near Pajaro, CA

Home Insurance Company Near Pajaro, CA Homeowners Insurance Agency Near Pajaro, CA Address
Nationwide Dwight Henderson Johnson 1900 Camden Ave STE 206, San Jose, CA, 95124-2944
Liberty Mutual Independent Monterey Insurance Agencies 401 FREMONT ST STE 100, MONTEREY, CA, 93940
State Farm Randy Chang 1328 W El Camino Real Ste 2, Mountain View, CA, 94040-2499
State Farm Ryan Travaille 1976 Fremont Blvd Ste B, Seaside, CA, 93955-3169
Farmers Wayne Tucker 1075 S Main St Ste B, Salinas, CA, 93901

Cost Of Homeowners Insurance By Street Near Pajaro, CA

Streets in Pajaro Area Homeowners Insurance Cost
Dolan Rd, Candace Ln, Co Rd G11, Murphy Hill Rd, Via del Sol Rd, Elsa St, Hidden Valley Rd, Allison St, Moon Pl, Ingram Ct$652
Covenant Ln, Hall Rd, Rachel Ln, Pioneer Pl, Springfield Rd, Granger Ln, Red Hawk Ln, Porter Dr, Hall Rd, Starr Way$631
Verde Way, Co Rd G11, Jonathan St, Caris Ln, Maher Rd, Secondo Way, Tuckahoe Ter, Summerland Rd, Jacklyn, el Cerrito Ct$644
Rea Ct, Hall Rd, Arlon Way, Dunbarton Rd, Via Tanques, Struve Rd, Loma Vista Ct, Clausen Rd, Hillcrest Rd, Bonney Ct$623
Tarpey Rd, Fair Way, Gonda St, Railroad Ave, Bishop St, Live Oak Rd, Charles Schell Ln, Willow Rd, Campagna Way, Rebecca Cir$620

Pajaro, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pajaro$93 to $96
Pajaro Dunes$101
Moss Landing$92
Las Lomas$93

Pajaro, 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
Moss Landing CDP, California $77 $103 $154
Las Lomas CDP, California $78 $103 $155
Elkhorn CDP, California $79 $105 $158

Pajaro, 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
Pajaro, CA1.9%11.9%
Pajaro Dunes1.46%5.63%
Las Lomas2.53%20.82%
Elkhorn2.0%9.93%

Pajaro Renters Insurance as a Percentage of Rent

Pajaro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 25 1.0% $1235
$500 to $749 221 13.0% $1910
$750 to $999 262 15.0% $2660
$1,000 to $1,499 603 35.0% $3785
$1,500 or more 579 34.0% $5435

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewQBE (Balboa)477
150000250NewWawanesa393
200000500NewTravelers374
200000500NewUSAA434
250000500NewCalifornia Capital539
300000500NewCSAA Ins Exch807
300000500NewStillwater Ins Co442
300000500NewStillwater Prop & Cas Co501
5000001000NewFirst American Ins1030
5000002500NewNationwide634
25000010001-3 YearsAmerican Security631
25000010001-3 YearsCSAA Ins Exch683
40000010001-3 YearsAmco731
50000010001-3 YearsAAA (Interinsurance Exchange)1023
50000025001-3 YearsHomesite943
1500002504-6 YearsLiberty Ins Corp589
1500005004-6 YearsHomesite583
1500005004-6 YearsTokio Marine America166
25000010004-6 YearsAIG Prop Cas1329
25000010004-6 YearsAmica Mutual715
25000010004-6 YearsEncompass1106
40000010004-6 YearsAmerican Reliable1085
50000010004-6 YearsCalifornia Capital1169
50000025004-6 YearsCentury National1155

Pajaro, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Pajaro Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,100$10,500
Net Savings to Pajaro Home Owner from High Deductible Plan $600

Pajaro, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pajaro, CA Home Replacement Value MORE than Home Value Pajaro, CA Home Replacement Value LESS than Home Value
Replacement Value $500,500 $323,000
Insurance Premium based on Replacement Value $1,750 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $132,000 Risk Exposure from Under Insuring Coverage is $45,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $475/year

Example Pajaro Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmGEICO Insurance
Monthly Premium 49112222
Year Built 200619811962
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$500000-$600000$900000-$1000000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 475,000 Tile Roof 2,840 4 $500 Deductible 320 4 Stucco siding yes
1965 1,065,000 Slate Shingles Roof 4,790 5 $500- $1000 Deductible 2130 8 Stone Siding yes
1972 405,000 Metal Roof 2,310 4 $500- $1000 Deductible 610 7 Stone Siding yes
1962 410,000 Composition Roof 2,260 4 $500 Deductible 450 4 Wood siding No
1963 570,000 Slate Shingles Roof 3,370 4 $2500-$5000 Deductible 270 2 Stone Siding No
2001 310,000 Membrane Roof 1,990 4 $5000 to $10,000 Deductible 420 10 Fiber-Cement Siding No
2000 220,000 Wood Shake Roof 1,410 3 $2500-$5000 Deductible 310 6 Stone Siding No
1999 285,000 Shingles Roof 1,630 3 $5000 to $10,000 Deductible 450 9 Vinyl siding No
1964 235,000 Membrane Roof 1,240 3 $5000 to $10,000 Deductible 370 12 Stucco siding No
2001 270,000 Slate Shingles Roof 1,260 3 $500- $1000 Deductible 610 7 Fiber-Cement Siding yes
1987 315,000 Slate Shingles Roof 1,450 3 $500 Deductible 330 5 Stone Siding No
2009 535,000 Shingles Roof 2,840 4 $500- $1000 Deductible 1780 12 Vinyl siding No
1996 380,000 Membrane Roof 2,140 5 $1000-$2500 Deductible 980 12 Brick siding No
1981 530,000 Composition Roof 2,980 4 $500- $1000 Deductible 1150 8 Fiber-Cement Siding No
1964 860,000 Wood Shake Roof 4,560 5 > $10,000 Deductible 730 6 Wood siding yes
1991 440,000 Metal Roof 2,240 4 $5000 to $10,000 Deductible 390 7 Stone Siding No
1976 545,000 Composition Roof 3,330 4 $500 Deductible 710 5 Fiber-Cement Siding yes
1972 460,000 Tile Roof 2,950 5 $2500-$5000 Deductible 490 5 Vinyl siding No
1965 560,000 Composition Roof 2,850 4 $500- $1000 Deductible 820 10 Stucco siding yes
2007 300,000 Wood Shake Roof 1,470 3 > $10,000 Deductible 50 1 Stucco siding yes
2009 305,000 Metal Roof 2,050 4 > $10,000 Deductible 220 6 Fiber-Cement Siding No
2006 265,000 Shingles Roof 1,640 5 $500- $1000 Deductible 740 10 Fiber-Cement Siding yes
1992 580,000 Metal Roof 3,260 4 $500 Deductible 820 6 Fiber-Cement Siding No
2005 365,000 Slate Shingles Roof 1,980 5 $2500-$5000 Deductible 370 6 Brick siding yes
1964 400,000 Tile Roof 2,250 3 $500- $1000 Deductible 480 6 Stucco siding No
1982 645,000 Membrane Roof 3,380 4 $2500-$5000 Deductible 360 4 Fiber-Cement Siding No
1973 330,000 Tile Roof 2,070 5 $1000-$2500 Deductible 410 6 Vinyl siding No
1974 390,000 Membrane Roof 1,890 5 $1000-$2500 Deductible 100 1 Vinyl siding No
1991 360,000 Wood Shake Roof 1,630 3 $5000 to $10,000 Deductible 310 6 Vinyl siding No
1973 585,000 Slate Shingles Roof 2,690 5 $500- $1000 Deductible 430 4 Wood siding yes
1977 435,000 Slate Shingles Roof 2,090 3 $5000 to $10,000 Deductible 490 6 Fiber-Cement Siding yes
2006 420,000 Composition Roof 2,230 4 $5000 to $10,000 Deductible 330 5 Wood siding yes