Salinas, CA homeowners insurance is about $521 to $706, about $43-$58/month. Our complete research indicates shoppers can save as much as $245 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Salinas, CA Home Value | Total Homes | % of Total | Average Salinas, CA Homeowners Insurance |
---|---|---|---|
Less than $50,000 | 748 | 4.0% | $49 |
$50,000 to $59,999 | 170 | 1.0% | $110 |
$80,000 to $89,999 | 250 | 1.0% | $177 |
$100,000 to $124,999 | 816 | 5.0% | $232 |
$125,000 to $149,999 | 469 | 3.0% | $288 |
$150,000 to $174,999 | 1,460 | 9.0% | $343 |
$175,000 to $199,999 | 1,092 | 7.0% | $398 |
$200,000 to $249,999 | 2,946 | 19.0% | $478 |
$250,000 to $299,999 | 2,667 | 17.0% | $582 |
$300,000 to $399,999 | 4,185 | 27.0% | $741 |
Home Insurance Company Near Salinas, CA | Homeowners Insurance Agency Near Salinas, CA | Address |
---|---|---|
State Farm | Alese Greene | 630 Water St, Santa Cruz, CA, 95060-4115 |
Allstate | James Grant | 17705 Hale Ave Bldg 1-5, Morgan Hill, CA, 95037 |
Allstate | Natalie Hungerford | 591 Hartnell St, Monterey, CA, 93940 |
Travelers | Rs Insurance Services | 1731 TECHNOLOGY DR STE 250, SAN JOSE, CA, 95110 |
State Farm | Tina Choi | 4300 Stevens Crk Blvd Ste 130, San Jose, CA, 95129-1263 |
Streets in Salinas Area | Homeowners Insurance Cost |
---|---|
Lorimer St, Tyler Pl, Tumbleweed Dr, Sherwood Dr, Melody Ln, Los Coches Cir, Atherton Cir, Berta Views Ln, Hudson Way, Winham St | $607 |
Dayton Ave, Hyannis Cir, White River Cir, Riker St, Pajaro Way, Harrison Rd, W Bolivar St, McGowan Cir, Woodland Heights Ct, Russell Rd | $627 |
Manzano Way, Santa Monica Ct, Santa Rosa Ave, Sherman Dr, Castro St, Cottonwood Dr, Taft Cir, Lagunita Rd, Stone St, Pico Blanco St | $622 |
Kensington Way, Victoria Ave, Hartnell Rd, Alisal Rd, Fairfax Dr, la Mirada Ct, Jade Cir, Ebro Cir, Durango St, Archer St | $615 |
Rose St, Archer St, el Rancho Ct, N 1st St, Faulkner St, College Dr, Penwick Cir, Baja Cir, Wilson St, Via Maria | $604 |
Cortez St, Lohman St, Wild Horse Rd, Hancock Cir, W Acacia St, Dewey Ave, Van Ness Cir, Beacon Hill Cir, Caoba Way, Muroc St | $610 |
Vallejo St, San Jacinto Dr, Skyway Blvd, Salinas St, Montecito Way, Almaden Dr, Silverwood Pl, Geil St, Oso Ct, Woodbury Cir | $626 |
Valle San Juan Dr, W Gabilan St, Kimmel St, Truckee Way, Massolo Ct, Damian Way, Rockhaven Ct, Inglewood St, Byron Dr, Piazza Cir | $645 |
London Way, Eagle Dr, Tahoe Dr, Harrington Cir, Washington Dr, Martin Ln, Durango Cir, Bennington Ct, Cornell Ave, Valdez Cir | $614 |
Napa Way, Merlot Way, el Rancho Way, Polk St, Pima Cir, Elton Pl, Duran Cir, Stockton St, Montana St, Cambrian Dr | $623 |
Place | Savings For Senior Occupied Homes |
---|---|
Salinas | $91 to $94 |
Boronda | $90 |
Spreckels | $97 |
Prunedale | $94 |
Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
---|---|---|---|
Boronda CDP, California | $75 | $100 | $150 |
Spreckels CDP, California | $81 | $108 | $162 |
Prunedale CDP, California | $79 | $105 | $157 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Salinas, CA | 2.4% | 12.8% |
Spreckels | 1.69% | 7.68% |
Prunedale | 2.08% | 10.93% |
San Juan Bautista | 1.56% | 10.83% |
Salinas Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
---|---|---|---|
$200 to $299 | 393 | 1.0% | $792 |
$300 to $499 | 861 | 3.0% | $1242 |
$500 to $749 | 2,294 | 9.0% | $1917 |
$750 to $999 | 5,913 | 25.0% | $2667 |
$1,000 to $1,499 | 8,710 | 37.0% | $3792 |
$1,500 or more | 5,064 | 21.0% | $5442 |
Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
---|---|---|---|---|
150000 | 500 | New | AIG Prop Cas | 626 |
150000 | 500 | New | Integon/National | 411 |
250000 | 500 | New | American Modern | 827 |
250000 | 500 | New | Travelers | 506 |
500000 | 1000 | New | Foremost Insurance | 1905 |
150000 | 500 | 1-3 Years | Kemper | 381 |
250000 | 500 | 1-3 Years | IDS Property Casualty | 590 |
400000 | 1000 | 1-3 Years | Homesite | 801 |
500000 | 1000 | 1-3 Years | General Ins | 379 |
500000 | 2500 | 1-3 Years | General Ins | 289 |
750000 | 2500 | 1-3 Years | MAPFRE Group | 981 |
150000 | 500 | 4-6 Years | CSE Safeguard | 497 |
200000 | 500 | 4-6 Years | Century National | 707 |
200000 | 500 | 4-6 Years | Nationwide | 611 |
200000 | 500 | 4-6 Years | Oregon Mutual | 549 |
250000 | 1000 | 4-6 Years | Farmers (Fire Ins) | 761 |
300000 | 500 | 4-6 Years | Amica Mutual | 898 |
300000 | 500 | 4-6 Years | Chubb/Federal | 1401 |
500000 | 1000 | 4-6 Years | Safeco | 968 |
500000 | 2500 | 4-6 Years | CSAA Ins Exch | 1011 |
150000 | 250 | 7-15 Years | Metropolitan Direct | 1007 |
Low Deductible | High Deductible | |
---|---|---|
Deductible | $600 | $1,600 |
Yearly Salinas Homeowner Insurance Premium Example | $900 | $700 |
Out of Pocket Expense During Claim | $600 | $1,600 |
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,800 | $7,200 |
Net Savings to Salinas Home Owner from High Deductible Plan | $600 |
Scenario | Salinas, CA Home Replacement Value MORE than Home Value | Salinas, CA Home Replacement Value LESS than Home Value |
---|---|---|
Replacement Value | $238,000 | $169,500 |
Insurance Premium based on Replacement Value | $850 | $600 |
Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $25,500 | Risk Exposure from Under Insuring Coverage is $43,000 |
Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $100/year |
Insurance Company | Amica Mutual Insurance Company | Travelers | Nationwide Insurance |
Monthly Premium | 55 | 300 | 38 |
Year Built | 1999 | 1968 | 1972 |
Home Details | 2 Beds, 1 Baths | 5 Beds, 1 Baths | 3 Beds, 2 Baths |
Coverage Amount | $250000-$300000 | More than 10000000 | $150000-$175000 |
Deductible | $500 Deductible | $500 Deductible | $1000-$2500 Deductible |
Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
---|---|---|---|---|---|---|---|---|---|
1978 | 230,000 | Membrane Roof | 1,370 | 3 | $1000-$2500 Deductible | 480 | 12 | Wood siding | yes |
2002 | 305,000 | Tile Roof | 1,870 | 3 | > $10,000 Deductible | 50 | 1 | Stone Siding | No |
1969 | 135,000 | Shingles Roof | 1,000 | 2 | $500 Deductible | 160 | 6 | Stone Siding | No |
1976 | 335,000 | Membrane Roof | 2,220 | 4 | $5000 to $10,000 Deductible | 450 | 8 | Vinyl siding | No |
1964 | 175,000 | Metal Roof | 1,030 | 2 | $500 Deductible | 320 | 9 | Stucco siding | yes |
1968 | 140,000 | Shingles Roof | 1,050 | 2 | $500- $1000 Deductible | 20 | 1 | Stone Siding | No |
1965 | 240,000 | Shingles Roof | 1,430 | 2 | $5000 to $10,000 Deductible | 120 | 4 | Stone Siding | yes |
1992 | 275,000 | Metal Roof | 2,060 | 4 | $500- $1000 Deductible | 500 | 7 | Fiber-Cement Siding | No |
2001 | 320,000 | Wood Shake Roof | 2,340 | 4 | $500- $1000 Deductible | 210 | 2 | Vinyl siding | No |
1960 | 355,000 | Composition Roof | 1,970 | 3 | > $10,000 Deductible | 320 | 7 | Stone Siding | No |
1981 | 335,000 | Metal Roof | 2,380 | 5 | > $10,000 Deductible | 210 | 6 | Fiber-Cement Siding | No |
2000 | 365,000 | Shingles Roof | 2,840 | 4 | $1000-$2500 Deductible | 560 | 9 | Stucco siding | yes |
2008 | 490,000 | Slate Shingles Roof | 3,130 | 4 | > $10,000 Deductible | 210 | 3 | Wood siding | yes |
1996 | 545,000 | Composition Roof | 3,160 | 5 | $1000-$2500 Deductible | 250 | 3 | Brick siding | No |
1964 | 200,000 | Wood Shake Roof | 1,170 | 2 | $500 Deductible | 60 | 1 | Fiber-Cement Siding | No |
1986 | 280,000 | Wood Shake Roof | 2,330 | 5 | $5000 to $10,000 Deductible | 480 | 12 | Fiber-Cement Siding | yes |
1978 | 510,000 | Composition Roof | 3,090 | 5 | $2500-$5000 Deductible | 590 | 6 | Fiber-Cement Siding | yes |
1977 | 205,000 | Membrane Roof | 1,450 | 3 | $500- $1000 Deductible | 180 | 3 | Fiber-Cement Siding | No |
1997 | 355,000 | Slate Shingles Roof | 2,090 | 5 | > $10,000 Deductible | 210 | 4 | Brick siding | No |
1970 | 350,000 | Tile Roof | 2,010 | 4 | $1000-$2500 Deductible | 240 | 3 | Fiber-Cement Siding | yes |
1984 | 320,000 | Composition Roof | 1,780 | 4 | $500 Deductible | 350 | 4 | Stucco siding | No |
1990 | 195,000 | Shingles Roof | 1,580 | 2 | $5000 to $10,000 Deductible | 120 | 5 | Wood siding | yes |
1969 | 505,000 | Membrane Roof | 4,130 | 5 | $1000-$2500 Deductible | 130 | 1 | Vinyl siding | No |
1993 | 265,000 | Asphalt Shingles Roof | 1,700 | 2 | $2500-$5000 Deductible | 90 | 2 | Stone Siding | yes |
1985 | 370,000 | Asphalt Shingles Roof | 2,340 | 3 | $1000-$2500 Deductible | 960 | 10 | Wood siding | yes |
1962 | 210,000 | Composition Roof | 1,270 | 3 | $5000 to $10,000 Deductible | 140 | 5 | Vinyl siding | yes |
2001 | 170,000 | Tile Roof | 1,260 | 2 | $1000-$2500 Deductible | 350 | 10 | Stucco siding | No |
1960 | 365,000 | Metal Roof | 2,430 | 4 | $500 Deductible | 690 | 8 | Vinyl siding | yes |
1971 | 515,000 | Asphalt Shingles Roof | 4,250 | 5 | $1000-$2500 Deductible | 90 | 1 | Brick siding | yes |
1984 | 415,000 | Shingles Roof | 2,540 | 5 | $500 Deductible | 340 | 4 | Stone Siding | No |
1992 | 460,000 | Composition Roof | 2,380 | 4 | $500- $1000 Deductible | 740 | 6 | Fiber-Cement Siding | yes |