Salinas, CA - Data on Home Insurance Quotes, Rates & Agents
Salinas, CA Home Values & Insurance Rates
| Salinas, CA Home Value | Total Homes | % of Total | Average 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 |
Top Home Insurance Agents Near Salinas, CA
| 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 |
Estimated Home Insurance By Street Area Near Salinas, CA
| Salinas Area | Estimated House Insurance |
|---|---|
| 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 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| Salinas | $91 to $94 |
| Boronda | $90 |
| Spreckels | $97 |
| Prunedale | $94 |
Salinas, CA Home Insurance as a % of Housing Cost
| 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 Renters Insurance as a Percentage of Rent
| 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 |
Salinas, CA Home Insurance Costs With Deductible Scenario
| 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 | |
Salinas, CA Home Insurance Costs With Home Replacement Value Scenarios
| 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 |
Example Salinas Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| 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 |
Salinas, CA Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| Boronda CDP, California | $75 | $100 | $150 |
| Spreckels CDP, California | $81 | $108 | $162 |
| Prunedale CDP, California | $79 | $105 | $157 |
Sample Home Insurance Rates for Salinas, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 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 |