San Luis Obispo Insurance Rates:

San Luis Obispo, CA homeowners insurance is approximately $558 to $760, about $46-$63/month. Our extensive guide indicates shoppers can save as much as $263 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
My insurance company geico has helped me in a major way when i was in my accident. they got me all of the help i needed.
Allstate
I think having an alarm on your house should be a bigger discount than it is. it is an expensive insurance policy and should provide a huge discount
State Farm
After doing extensive research online for renter's insurance, state farm led the pack with the most affordable rates when compared with other large companies.

San Luis Obispo, CA Homeowners Insurance By Home Value

San Luis Obispo, CA Home Value Total Homes % of Total Average San Luis Obispo, CA Homeowners Insurance
Less than $50,000 184 7.0% $26
$50,000 to $59,999 47 1.0% $59
$60,000 to $69,999 28 1.0% $72
$70,000 to $79,999 153 6.0% $85
$80,000 to $89,999 77 3.0% $92
$90,000 to $99,999 94 3.0% $105
$100,000 to $124,999 122 5.0% $125
$125,000 to $149,999 102 4.0% $151
$150,000 to $174,999 203 8.0% $184
$175,000 to $199,999 151 6.0% $210
$200,000 to $249,999 121 5.0% $257
$250,000 to $299,999 203 8.0% $309
$300,000 to $399,999 935 38.0% $395

Top Home Insurance Agents Near San Luis Obispo, CA

Home Insurance Company Near San Luis Obispo, CA Homeowners Insurance Agency Near San Luis Obispo, CA Address
Liberty Mutual Independent California Meridian Ins 9700 EL CAMINO REAL, ATASCADERO, CA, 93422
Farmers Deborah Corliss 935 Riverside Ave Ste 14, Paso Robles, CA, 93446
Travelers Engle & Associates Ins Brokers Inc 1236 HIGUERA ST, SAN LUIS OBISPO, CA, 93401
Allstate Mary Rowan Ishikawa 705 E Grand Ave, Arroyo Grande, CA, 93420
Allstate Mary Rowan Ishikawa 3420 Orcutt Rd Ste 202, Santa Maria, CA, 93455

Cost Of Homeowners Insurance By Street Near San Luis Obispo, CA

Streets in San Luis Obispo Area Homeowners Insurance Cost
Foothill Blvd, Cerro Robles, Humbert Ave, Encanto Ln, Warren Way, George St, Harmony Way, Sycamore Dr, Via Ensenada, Gathe Dr$654
Corral de Piedra Rd, Glennheim Ct, Lakeview St, Castillo Rd, Pasatiempo Dr, N Chorro St, Pennington Creek Rd, Birkdale Ln, Cordova Dr, Serpa Ranch Rd$688
Exposition Dr, Park St, Sequoia Dr, State Hwy 227, Bahia Ct, Stanford Dr, Oak St, Elks Ln, Suburban Rd, Woodbridge St$655
Osos St, Stoneridge Dr, Ironbark St, el Cerrito St, Ilene Dr, Sterling Ln, Miraleste Dr, Filaree Way, Oceanaire Dr, la Cita Ct$640
Casitas Ct, Poinsettia Ct, Taft St, Industrial Way, Carpenter St, Serrano Cir, Stafford St, Sylvia Ct, Empresa Dr, Twin Ridge Dr$666

San Luis Obispo, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Luis Obispo$98 to $101
Los Ranchos$105
Avilla Beach$98
Edna$109

San Luis Obispo, 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
Los Ranchos CDP, California $105 $140 $210
Avilla Beach CDP, California $98 $131 $197
Edna CDP, California $109 $145 $218

San Luis Obispo, 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
San Luis Obispo, CA2.3%10.2%
Los Ranchos1.66%7.25%
Avilla Beach1.9%8.06%
Pismo Beach2.36%12.07%

San Luis Obispo Renters Insurance as a Percentage of Rent

San Luis Obispo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 119 1.0% $768
$300 to $499 246 2.0% $1218
$500 to $749 812 6.0% $1893
$750 to $999 2,407 20.0% $2643
$1,000 to $1,499 4,250 36.0% $3768
$1,500 or more 3,892 33.0% $5418

Average Cost Of Home Insurance By Company In Areas Nearby San Luis Obispo For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewHomesite639
2500001000NewHorace Mann P & C387
300000500NewStillwater Prop & Cas Co424
300000500NewUniversal North America354
7500002500NewIDS Property Casualty1005
7500002500NewNationwide804
7500002500NewUniversal North America655
1500002501-3 YearsCentury National403
1500002501-3 YearsUnigard Group358
25000010001-3 YearsUSAA383
2500005001-3 YearsHorace Mann372
50000010001-3 YearsLiberty Ins Corp755
1500005004-6 YearsHorace Mann238
2000005004-6 YearsUniversal North America347
3000005004-6 YearsMercury Ins Group391
50000010004-6 YearsHomesite1228
50000010004-6 YearsPacific Specialty993
50000025004-6 YearsGeneral Ins442
50000025004-6 YearsHorace Mann P & C839
75000025004-6 YearsForemost Insurance3029
75000025004-6 YearsMAPFRE Group938
1500005007-15 YearsAmco447
1500005007-15 YearsAmerican Security377
2000005007-15 YearsAIG Prop Cas694

San Luis Obispo, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$4,600
Yearly San Luis Obispo Homeowner Insurance Premium Example $2,100$1,500
Out of Pocket Expense During Claim$1,600$4,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,400$16,600
Net Savings to San Luis Obispo Home Owner from High Deductible Plan $1,800

San Luis Obispo, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Luis Obispo, CA Home Replacement Value MORE than Home Value San Luis Obispo, CA Home Replacement Value LESS than Home Value
Replacement Value $679,500 $546,000
Insurance Premium based on Replacement Value $2,375 $1,900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $60,500 Risk Exposure from Under Insuring Coverage is $73,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $225/year

Example San Luis Obispo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceChubb Group of Insurance
Monthly Premium 7911876
Year Built 200719911970
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $400000-$500000$400000-$500000$400000-$500000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for San Luis Obispo, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 510,000 Shingles Roof 1,650 3 $500- $1000 Deductible 950 9 Vinyl siding No
2006 435,000 Wood Shake Roof 1,570 2 $500- $1000 Deductible 970 10 Stone Siding yes
2010 345,000 Slate Shingles Roof 1,080 2 $500 Deductible 1270 12 Stucco siding No
2011 535,000 Shingles Roof 2,270 4 $2500-$5000 Deductible 680 5 Stucco siding No
1960 615,000 Composition Roof 2,460 4 $1000-$2500 Deductible 130 1 Vinyl siding yes
1969 280,000 Membrane Roof 1,040 2 > $10,000 Deductible 310 8 Stucco siding No
1979 805,000 Asphalt Shingles Roof 3,310 5 $500- $1000 Deductible 160 1 Vinyl siding No
1975 515,000 Metal Roof 2,180 3 $5000 to $10,000 Deductible 880 8 Vinyl siding No
2014 330,000 Asphalt Shingles Roof 1,230 2 $2500-$5000 Deductible 320 5 Vinyl siding No
1999 400,000 Tile Roof 1,360 2 $2500-$5000 Deductible 660 12 Wood siding yes
1967 490,000 Tile Roof 1,550 2 $2500-$5000 Deductible 70 1 Vinyl siding yes
1969 1,005,000 Metal Roof 3,900 5 $500 Deductible 210 1 Wood siding yes
2011 1,150,000 Composition Roof 4,490 5 $1000-$2500 Deductible 260 1 Stucco siding yes
1967 1,185,000 Shingles Roof 3,481 4 $500 Deductible 1600 8 Stone Siding yes