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.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| San Luis Obispo, CA | 2.3% | 10.2% |
| Los Ranchos | 1.66% | 7.25% |
| Avilla Beach | 1.9% | 8.06% |
| Pismo Beach | 2.36% | 12.07% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Luis Obispo | $98 to $101 |
| Los Ranchos | $105 |
| Avilla Beach | $98 |
| Edna | $109 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | Homesite | 639 |
| 250000 | 1000 | New | Horace Mann P & C | 387 |
| 300000 | 500 | New | Stillwater Prop & Cas Co | 424 |
| 300000 | 500 | New | Universal North America | 354 |
| 750000 | 2500 | New | IDS Property Casualty | 1005 |
| 750000 | 2500 | New | Nationwide | 804 |
| 750000 | 2500 | New | Universal North America | 655 |
| 150000 | 250 | 1-3 Years | Century National | 403 |
| 150000 | 250 | 1-3 Years | Unigard Group | 358 |
| 250000 | 1000 | 1-3 Years | USAA | 383 |
| 250000 | 500 | 1-3 Years | Horace Mann | 372 |
| 500000 | 1000 | 1-3 Years | Liberty Ins Corp | 755 |
| 150000 | 500 | 4-6 Years | Horace Mann | 238 |
| 200000 | 500 | 4-6 Years | Universal North America | 347 |
| 300000 | 500 | 4-6 Years | Mercury Ins Group | 391 |
| 500000 | 1000 | 4-6 Years | Homesite | 1228 |
| 500000 | 1000 | 4-6 Years | Pacific Specialty | 993 |
| 500000 | 2500 | 4-6 Years | General Ins | 442 |
| 500000 | 2500 | 4-6 Years | Horace Mann P & C | 839 |
| 750000 | 2500 | 4-6 Years | Foremost Insurance | 3029 |
| 750000 | 2500 | 4-6 Years | MAPFRE Group | 938 |
| 150000 | 500 | 7-15 Years | Amco | 447 |
| 150000 | 500 | 7-15 Years | American Security | 377 |
| 200000 | 500 | 7-15 Years | AIG Prop Cas | 694 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Liberty Mutual | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 79 | 118 | 76 |
| Year Built | 2007 | 1991 | 1970 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 5 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 |