Salinas Insurance Rates:

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.

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Latest Home Insurance Reviews

I rate my experiences with Progressive's customer services as a 5 since I was extremely satisfied with them when I had to call them several times over an issue.
Century National
I am very pleased with this company. they are good about sending a lot of paperwork on my policy each year. this helps me understand my policy.
State Farm
State Farm being a large entity has similar policies to many carriers. Nothing stood out particularly better for State Farm, but I have been with them for a long time and their customer service is very good.
State Farm
I would recommend this company because they really seem to care about you as a person and even though it is a large company you don't feel like just a number.
Fremont Home Insurance
I use a broker who shops for my best value. We have been with Fremont for approximately five years. Their prices are usually slightly lower than what other companies offer.
I have had Travelers insurance for a few years now. I would recommend Elephant to everyone. They have been really nice to me and premium is very low and coverage is good
So far, fortunately I have not found anything wrong or that I dislike about the service of this company, and I think I would recommend it to family and friends.
State Farm
State farm has finally realized that the world no longer needs community insurance agents. the agent in our area no longer feels the need to stay in touch. if we need to process a claim, we can do that online.
Liberty Mutual
They aren't the best at providing easily accessible coverage documents. they should modernize their internet preference so that basic questions can be answered on the web.
State Farm
I love that they are affordable with what they offer, including roadside assistance. i also love how dealing with them is hassle-free.
State Farm
I really like the fact that everything is in the app for the most part. If I could talk to a person right from the app it would be awesome but that would probably not worth their time since they do have a call in number that takes care of everything I need. So beyond that the app is well designed and love the colors
The customer service for this company is outstanding. My agent is outstanding. Always there when I need them, never had a problem.
Their customer service and bundling discounts are the two things that set them apart from other companies
I dislike their payment system it is very hard to change the date you want to pay, and they charge you extra if you use a card.
State Farm
I am mostly satisfied with State Farm. My contact has been with the Agent, not the company directly. I like dealing with a human being, rather than a car in some foreign country whose English language skills are usually very poor.
I love my insurance company. I will stick with them forever. I appreciate all they do for me and my family and I will continue to praise them for as long as I can.
There is nothing to say bad about that company I will always admire it
I like their fast and professional with everyone being courteous, their app is convenient and easy to use. Also, the coverage I get for what I pay is excellent.
I would recommend this company as their premiums are competitive, their policy benefits are comparable, and customer service is great.
The offerings at Travelers are very comparable too all other companies. I was able to match my coverage from a previous company to Travelers almost exactly.
They have affordable prices for the policies and offer bundle plans that we will be checking into. I haven't had to make a claim yet but I expect it to go well.
Liberty Mutual
only thing I like about the company is that they never forget to send reminders to pay the premium due of its customers.

Salinas, CA Homeowners Insurance By Home Value

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

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

Salinas, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Salinas, CA

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

Salinas, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Salinas$91 to $94

Salinas, 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
Boronda CDP, California $75 $100 $150
Spreckels CDP, California $81 $108 $162
Prunedale CDP, California $79 $105 $157

Salinas, 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
Salinas, CA2.4%12.8%
San Juan Bautista1.56%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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAIG Prop Cas626
250000500NewAmerican Modern827
5000001000NewForemost Insurance1905
1500005001-3 YearsKemper381
2500005001-3 YearsIDS Property Casualty590
40000010001-3 YearsHomesite801
50000010001-3 YearsGeneral Ins379
50000025001-3 YearsGeneral Ins289
75000025001-3 YearsMAPFRE Group981
1500005004-6 YearsCSE Safeguard497
2000005004-6 YearsCentury National707
2000005004-6 YearsNationwide611
2000005004-6 YearsOregon Mutual549
25000010004-6 YearsFarmers (Fire Ins)761
3000005004-6 YearsAmica Mutual898
3000005004-6 YearsChubb/Federal1401
50000010004-6 YearsSafeco968
50000025004-6 YearsCSAA Ins Exch1011
1500002507-15 YearsMetropolitan Direct1007

Salinas, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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 CompanyTravelersNationwide Insurance
Monthly Premium 5530038
Year Built 199919681972
Home Details 2 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $250000-$300000More than 10000000$150000-$175000
Deductible $500 Deductible$500 Deductible$1000-$2500 Deductible

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
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

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