Pismo Beach Insurance Rates:

Pismo Beach, CA homeowners insurance is roughly $558 to $771, about $46-$64/month. Our detailed research indicates shoppers can save upto $266 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Pismo Beach, CA Homeowners Insurance By Home Value

Pismo Beach, CA Home Value Total Homes % of Total Average Pismo Beach, CA Homeowners Insurance
Less than $50,000 97 19.0% $26
$50,000 to $59,999 9 1.0% $53
$70,000 to $79,999 8 1.0% $79
$80,000 to $89,999 32 6.0% $86
$90,000 to $99,999 10 2.0% $99
$100,000 to $124,999 31 6.0% $119
$125,000 to $149,999 18 3.0% $146
$150,000 to $174,999 9 1.0% $172
$175,000 to $199,999 25 5.0% $199
$200,000 to $249,999 31 6.0% $246
$250,000 to $299,999 14 2.0% $299
$300,000 to $399,999 204 41.0% $379

Top Home Insurance Agents Near Pismo Beach, CA

Home Insurance Company Near Pismo Beach, CA Homeowners Insurance Agency Near Pismo Beach, CA Address
Allstate Brian Iversen 120 Nelson St, Arroyo Grande, CA, 93420
Travelers E C Loomis & Son Insurance Assoc 220 TRAFFIC WAY, ARROYO GRANDE, CA, 93420
State Farm Mike Konjoyan 1398 Ls Osos Vly Rd Ste A, Los Osos, CA, 93402-3313
Allstate Rick Detty 4869 S Bradley Rd Ste 119, Santa Maria, CA, 93455
Travelers Steve Hogge Insurance Services 122 N 16TH ST, GROVER BEACH, CA, 93433

Cost Of Homeowners Insurance By Street Near Pismo Beach, CA

Streets in Pismo Beach Area Homeowners Insurance Cost
Cypress St, Pier Ave, Hanford St, Glenview Ln, Village Crest Dr, Longview Ave, Leoni Dr, Elderberry Ln, Holly Way, Indio Dr$700
Cave Landing Rd, Shell Beach Rd, Villa Ct, Jespersen Rd, Bayfront Dr, Hill Top Way, Coffeeberry Pl, Rancho Oak Dr, Oak Park Rd, Tierra del Pajaro$694
Glennheim Ct, Meadowbrook Ln, Machado Ln, Avila Beach Dr, White Oak Blvd, Joan Pl, N 1st St, Avila Valley Dr, Frances Way, Vista Pacifica Cir$685
Laurel St, Ritchie Rd, Bard Ct, Brighton Ave, Terrace Ave, Crest Dr, Huber St, Shoreline Dr, Costa del Brava, Nice Ave$631
Bellevue Orchard Ln, San Luis Street Pkwy, Venado Trl, Ridge Rd, Placentia Ave, Rancho Oaks Dr, Beachcomber Dr, Park Ave, Mentone Ave, Ocean Blvd$698

Pismo Beach, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pismo Beach$98 to $100
Grover Beach$94
Avilla Beach$98
Los Ranchos$105

Pismo Beach, 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
Grover Beach city, California $79 $105 $157
Avilla Beach CDP, California $82 $109 $164
Los Ranchos CDP, California $88 $117 $176

Pismo Beach, 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
Pismo Beach, CA2.4%12.1%
Grover Beach2.74%17.41%
Avilla Beach1.9%8.06%
Los Ranchos1.66%7.25%

Pismo Beach Renters Insurance as a Percentage of Rent

Pismo Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 83 5.0% $1890
$750 to $999 292 20.0% $2640
$1,000 to $1,499 362 25.0% $3765
$1,500 or more 668 47.0% $5415

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewGeneral Ins183
2500001000NewFirst American Ins346
250000500NewLiberty Ins Corp447
300000500NewMercury Ins Group300
5000002500NewFirst American Ins613
5000002500NewSafeco533
7500002500NewGeneral Ins568
7500002500NewHorace Mann1020
1500002501-3 YearsStillwater Prop & Cas Co347
1500005001-3 YearsFarmers (Fire Ins)445
2000005001-3 YearsCentury National476
2000005001-3 YearsEncompass533
25000010001-3 YearsMAPFRE Group356
2500005001-3 YearsPacific Specialty516
3000005001-3 YearsKemper472
50000010001-3 YearsFarmers (Fire Ins)958
50000025001-3 YearsHomesite1040
75000025001-3 YearsPacific Specialty1186
25000010004-6 YearsIntegon/National437
2500005004-6 YearsIntegon/National515
3000005004-6 YearsUnigard Group637
40000010004-6 YearsPrivilege Underwriters Exch1192
50000010004-6 YearsCalifornia Casualty773
75000025004-6 YearsHomesite1591

Pismo Beach, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Pismo Beach Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,800$9,200
Net Savings to Pismo Beach Home Owner from High Deductible Plan $600

Pismo Beach, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pismo Beach, CA Home Replacement Value MORE than Home Value Pismo Beach, CA Home Replacement Value LESS than Home Value
Replacement Value $556,500 $376,000
Insurance Premium based on Replacement Value $1,675 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $112,000 Risk Exposure from Under Insuring Coverage is $68,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $350/year

Example Pismo Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceGEICO InsuranceFarmers Insurance
Monthly Premium 12941168
Year Built 197620042011
Home Details 4 Beds, 2 Baths3 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $500000-$600000$300000-$350000More than 10000000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 705,000 Tile Roof 2,260 4 > $10,000 Deductible 480 6 Stone Siding yes
2001 380,000 Metal Roof 1,540 5 > $10,000 Deductible 400 7 Vinyl siding yes
1971 680,000 Shingles Roof 2,380 5 > $10,000 Deductible 410 7 Stucco siding No
2012 785,000 Shingles Roof 2,590 5 $1000-$2500 Deductible 900 6 Wood siding yes
1976 1,540,000 Composition Roof 4,750 5 $5000 to $10,000 Deductible 530 4 Vinyl siding yes
1976 470,000 Composition Roof 1,990 4 $500 Deductible 1120 12 Stucco siding No
1997 510,000 Slate Shingles Roof 1,800 4 $500 Deductible 110 1 Stone Siding yes
2011 405,000 Asphalt Shingles Roof 1,360 2 $2500-$5000 Deductible 520 8 Vinyl siding No
1994 335,000 Metal Roof 1,070 2 $2500-$5000 Deductible 110 2 Brick siding No
2008 640,000 Tile Roof 1,880 4 $1000-$2500 Deductible 860 5 Fiber-Cement Siding No
1980 690,000 Asphalt Shingles Roof 2,520 4 $1000-$2500 Deductible 1170 9 Vinyl siding No
1980 425,000 Metal Roof 1,330 3 > $10,000 Deductible 420 7 Vinyl siding No
1997 510,000 Slate Shingles Roof 2,050 4 $500 Deductible 1240 8 Fiber-Cement Siding yes
2007 575,000 Shingles Roof 2,360 4 $500- $1000 Deductible 1100 8 Fiber-Cement Siding No
2005 350,000 Slate Shingles Roof 1,110 2 $1000-$2500 Deductible 190 3 Wood siding No
1987 415,000 Shingles Roof 1,770 3 $500 Deductible 720 7 Fiber-Cement Siding yes
2014 690,000 Wood Shake Roof 2,740 4 $500 Deductible 600 4 Vinyl siding yes
1977 785,000 Composition Roof 2,350 3 $2500-$5000 Deductible 1580 10 Stone Siding No
1993 415,000 Slate Shingles Roof 1,680 2 $2500-$5000 Deductible 430 7 Stucco siding No
1986 615,000 Asphalt Shingles Roof 2,340 5 $2500-$5000 Deductible 710 8 Stone Siding yes
1993 820,000 Slate Shingles Roof 2,490 5 $500- $1000 Deductible 1490 7 Vinyl siding No
1979 545,000 Wood Shake Roof 1,600 3 $1000-$2500 Deductible 230 2 Stucco siding No
2014 470,000 Membrane Roof 2,040 3 $5000 to $10,000 Deductible 730 10 Fiber-Cement Siding yes
2010 1,100,000 Slate Shingles Roof 3,990 5 $5000 to $10,000 Deductible 940 5 Wood siding No
1994 655,000 Asphalt Shingles Roof 2,270 5 $5000 to $10,000 Deductible 580 8 Stone Siding No
1970 640,000 Membrane Roof 2,160 5 $1000-$2500 Deductible 1570 12 Stone Siding No
1999 760,000 Membrane Roof 2,590 5 $5000 to $10,000 Deductible 680 5 Brick siding No
2000 365,000 Metal Roof 1,510 3 $2500-$5000 Deductible 330 4 Brick siding No
1971 530,000 Tile Roof 1,820 3 $500 Deductible 700 6 Fiber-Cement Siding No
1978 495,000 Wood Shake Roof 1,790 4 $500 Deductible 1120 12 Vinyl siding yes
2003 735,000 Asphalt Shingles Roof 2,610 5 $5000 to $10,000 Deductible 1120 10 Fiber-Cement Siding No
1983 455,000 Slate Shingles Roof 1,510 2 $5000 to $10,000 Deductible 500 8 Brick siding No
2003 260,000 Slate Shingles Roof 960 2 $1000-$2500 Deductible 270 6 Vinyl siding yes
2014 330,000 Metal Roof 1,320 3 > $10,000 Deductible 700 12 Vinyl siding yes