Salinas, CA Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
ProgressiveI 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 NationalI 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 FarmState 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 FarmI 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 InsuranceI 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.
TravelersI 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
ProgressiveSo 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 FarmState 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 MutualThey 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 FarmI love that they are affordable with what they offer, including roadside assistance. i also love how dealing with them is hassle-free.
NationwideTHE COMPANY HAS INFORMATION ON THE WEBSITE THAT I CAN USE OCCASIONALLY. SOMETIMES THE INFORMATION ON THE WEBSITE IS OF NO USE TO ME
State FarmI 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
AllstateThe customer service for this company is outstanding. My agent is outstanding. Always there when I need them, never had a problem.
GeicoTheir customer service and bundling discounts are the two things that set them apart from other companies
MercuryI 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 FarmI 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.
EsuranceI 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.
GeicoThere is nothing to say bad about that company I will always admire it
AllstateI 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.
AllstateI would recommend this company as their premiums are competitive, their policy benefits are comparable, and customer service is great.
TravelersThe 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.
ProgressiveThey 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 Mutualonly 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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Salinas | $91 to $94 |
| Boronda | $90 |
| Spreckels | $97 |
| Prunedale | $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
| 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% | $5442 |
Average Cost Of Home Insurance By Company In Areas Nearby Salinas For Different Scenarios
| Coverage ($) | 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 |
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 |
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 |