Salinas ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Salinas, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Salinas, CA is $1350. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Salinas, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Salinas, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $540 |
| $200,000 | $918 |
| $300,000 | $1,134 |
| $400,000 | $1,728 |
| $500,000 | $2,174 |
Home insurance costs in Salinas can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 093908 | $1,362 |
| 93901 | $1,299 |
| 93906 | $1,276 |
| 93905 | $1,270 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Salinas, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,384 |
| $1000 Deductible | $1,238 |
| $1500 Deductible | $1,168 |
| $2500 Deductible | $1,053 |
| $5000 Deductible | $891 |
| 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 |
| 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 |
| 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 | $94 |
| Coverage ($) | 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 |