Santa Barbara, CA Home Insurance - Analysis On Quotes, Rates & Agents
Santa Barbara Insurance Rates:
Santa Barbara, CA homeowners insurance is approximately $595 to $807, about $49-$67/month. Our all inclusive analysis indicates shoppers can save as much as $280 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Their agents have been very easy to talk to and i appreciate that, rather than it being someone that i can't understand or who seems rude or uncaring.
They are true to their words and if they tell you something, that is what it'll be. they won't ever give you the runaround about anything.
We really don't communicate on a regular basis other than us to receive our bills every couple of months. If I have a problem I call and they fix it, simple as that.
We then upped our deductibles because there is no point in paying for insurance coverage you won't need unless faced with a major claim.
I do feel like my premiums are a bit high given the level of coverage I have. Each year my premiums rise; however, I have never filed a claim.
I think their website is intuitive and easy to navigate. I like that the app allows you to pull up your insurance card in the event that you lose the one that is sent.
The interaction with the company is great because there is a local office if I need a question answered about my policy.
Easy to use, ability to pay bills through the app, coverage for vehicles, home, etc. pretty much everything I need.
They have the best insurance for the cost of the premium. The staff are professional in their behavior.
I feel like its a little bit high considering I’ve never had a claim, it should be cheaper.
The only positive interaction I had was with a regional manager who told me after I had made the claim that my home had sufficient damage for me to stay in a hotel and that it was covered in my policy. Otherwise, my total experience has been negative.
I like the company because it is popular and well known so I feel "safe" with them and confident in their services.
i would recommend this company because they treat you like family they have great prices and they help instead of take
I would recommend this company for home insurance because of the cost of coverage and because of how easy it is to work with their agents.
I love the company. They have the best coverage and make sure you are taken care of. They are efficient as a company and service.
I had a real problem when my car broke down late at night on a dark highway. I called their emergency number to get a tow truck. It was a disaster. The girl had no clue how to help me. Ended up call a local tow truck. I called LM the next day and went off on them. They apologized and said they would address the issue. Not sure if they have done that yet. The company tv commercials are really bad and they need to find a new ad firm. I think I dislike that about the company more than ANYTHING!
The coverage seems to be enough for what we would need, at a decent price. They are professional to deal with, and they have an excellent website with everything that we need.
Santa Barbara, CA Homeowners Insurance By Home Value
|Santa Barbara, CA Home Value||Total Homes||% of Total||Average Santa Barbara, CA Homeowners Insurance|
|Less than $50,000||354||8.0%||$14|
|$50,000 to $59,999||60||1.0%||$42|
|$60,000 to $69,999||112||2.0%||$49|
|$70,000 to $79,999||102||2.0%||$56|
|$80,000 to $89,999||148||3.0%||$70|
|$90,000 to $99,999||125||2.0%||$77|
|$100,000 to $124,999||254||5.0%||$91|
|$125,000 to $149,999||173||4.0%||$112|
|$150,000 to $174,999||265||6.0%||$133|
|$175,000 to $199,999||245||5.0%||$154|
|$200,000 to $249,999||943||22.0%||$182|
|$250,000 to $299,999||537||12.0%||$224|
|$300,000 to $399,999||939||22.0%||$287|
Top Home Insurance Agents Near Santa Barbara, CA
|Home Insurance Company Near Santa Barbara, CA||Homeowners Insurance Agency Near Santa Barbara, CA||Address|
|Travelers||Maulhardt Insurance Agency||961 NORTH RICE AVENUE SUITE 1A, OXNARD, CA, 93030|
|Allstate||Robert Willis||2263 Las Positas Rd, Santa Barbara, CA, 93105|
|State Farm||Tammy Dobrotin||3015 State St Ste C, Santa Barbara, CA, 93105-3330|
|Allstate||Ted Bustamante||2263 Las Positas Rd, Santa Barbara, CA, 93105|
|NA||Jones And Maulding Insurance Agency||730 S B St, Suite 102, Oxnard, CA, 93030|
Cost Of Homeowners Insurance By Street Near Santa Barbara, CA
|Streets in Santa Barbara Area||Homeowners Insurance Cost|
|Dover Hill Rd, Caleta Ave, Via Jero, Carosam Rd, Maple Ave, Loma Media Rd, Cameta Way, Clara Vista Ct, Carpinteria St, Parkhurst Dr||$None|
|Garden Ln, San Ysidro Rd, Canon Dr, Marbury Dr, el Rancho Rd, Via Campobello, Hitchcock Way, Ramitas Rd, Evening Song Ct, Mount Calvary Rd||$None|
|Lincolnwood Dr, de la Guerra Pl, Montrose Pl, Queen Ann Ln, Wakefield Rd, Arden Rd, W Islay St, Romaine Dr, Ver Leyenda, Cremona Dr||$681|
|Santa Cruz Blvd, Gillespie St, Oak Grove Ln, Salisbury Ave, Wessex Ct, Marymount Dr, Saint James Dr, Newcastle Cir, Abigail Ln, Via Fiori||$685|
|San Pascual St, Coleman Ave, Fairwood Ln, Eucalyptus Hill Cir, Aviano Pl, E Haley St, Lyric Ln, Alta Dr, W Pueblo St, Rockwood Dr||$None|
|E Canon Perdido St, Bradford Dr, Monte Dr, Oceano Ave, Seville Rd, E Cabrillo Blvd, Oak Tree Pl, Fellowship Ln, Via Encanto, Oak Park Ln||$None|
|la Plata, Anita Ln, Modena Way, Via Trepadora, Palm Ave, Rinconada Rd, Linda Rd, Sierra Madre Dr, Birch Walk, Ashdale St||$687|
|Via Rosita, W Ortega St, Mandarin Dr, Tila Pl, Stonehouse Ln, Alta Vista Rd, Via Parva, Cam Galeana, Oak Ave, Kodiak Ave||$None|
|Vis Bahia, Kern Dr, Sweet Rain Pl, Hacienda Way, Embarcadero del Norte, Phelps Rd, Picacho Ln, Meadowbrook Dr, N Nopal St, S Los Carneros Rd||$None|
|Malva Ave, Robbins St, San Leandro Pl, Clark Rd, Woodleaf Ln, Yolo Ln, Pepperdine Ct, Carol Ave, Santa Catalina St, E Anapamu St||$694|
Santa Barbara, CA Home Insurance Savings For Senior Occupied Homes
|Place||Savings For Senior Occupied Homes|
|Santa Barbara||$104 to $107|
Santa Barbara, 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|
|Isla Vista CDP, California||$79||$105||$157|
|Goleta city, California||$84||$111||$167|
|Mission Canyon CDP, California||$90||$120||$180|
Santa Barbara, 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|
|Santa Barbara, CA||2.0%||10.5%|
Santa Barbara Renters Insurance as a Percentage of Rent
|Santa Barbara Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|$200 to $299||470||1.0%||$746|
|$300 to $499||664||2.0%||$1196|
|$500 to $749||1,368||4.0%||$1871|
|$750 to $999||3,425||10.0%||$2621|
|$1,000 to $1,499||10,553||31.0%||$3746|
|$1,500 or more||16,505||49.0%||$5396|
Average Cost Of Home Insurance By Company In Areas Nearby Santa Barbara For Different Scenarios
|Coverage ($)||Deductible ($)||Age of home||Company||Average homeowners insurance premium ($)|
|200000||500||New||Farmers (Fire Ins)||479|
|200000||500||1-3 Years||Hartford (Sentinel)||438|
|500000||1000||1-3 Years||MAPFRE Group||887|
|500000||1000||1-3 Years||Unigard Group||1047|
|500000||2500||1-3 Years||Horace Mann||627|
|500000||2500||1-3 Years||Privilege Underwriters Exch||1279|
|750000||2500||1-3 Years||First American Ins||948|
|500000||2500||4-6 Years||American Security||983|
|750000||2500||4-6 Years||QBE (Balboa)||967|
|250000||1000||7-15 Years||Liberty Ins Corp||783|
|250000||1000||7-15 Years||QBE (Balboa)||539|
|250000||500||7-15 Years||Amica Mutual||765|
|400000||1000||7-15 Years||IDS Property Casualty||904|
Santa Barbara, CA Home Insurance Costs With Deductible Scenario
|Low Deductible||High Deductible|
|Yearly Santa Barbara Homeowner Insurance Premium Example||$2,400||$1,900|
|Out of Pocket Expense During Claim||$1,900||$3,900|
|Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim||$16,300||$15,300|
|Net Savings to Santa Barbara Home Owner from High Deductible Plan||$1,000|
Santa Barbara, CA Home Insurance Costs With Home Replacement Value Scenarios
|Scenario||Santa Barbara, CA Home Replacement Value MORE than Home Value||Santa Barbara, CA Home Replacement Value LESS than Home Value|
|Insurance Premium based on Replacement Value||$3,800||$2,275|
|Risk Exposure from Under Insuring Coverage||Unnecessary Home Insurance Coverage of $248,500||Risk Exposure from Under Insuring Coverage is $193,500|
|Premium Impact||Insurance cheaper by $675/year||Insurance costlier by $850/year|
Example Santa Barbara Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
|Insurance Company||GEICO Insurance||Amica Mutual Insurance Company||Nationwide Insurance|
|Home Details||5 Beds, 1 Baths||3 Beds, 1 Baths||4 Beds, 3 Baths|
|Coverage Amount||More than 10000000||$600000-$700000||More than 10000000|
|Deductible||$1000-$2500 Deductible||$500 Deductible||$500- $1000 Deductible|
Sample Home Insurance Rates for Santa Barbara, CA from Consumer Reviews & Surveys
|Year Built||Home Value||Roof Type||Sqft||Number of Bedrooms||Deductible||Premium||Premium Months||Siding Type||Smoker/Non Smoker|
|1993||600,000||Asphalt Shingles Roof||1,620||4||$1000-$2500 Deductible||1030||9||Fiber-Cement Siding||yes|
|1994||840,000||Shingles Roof||1,990||4||$2500-$5000 Deductible||290||2||Vinyl siding||yes|
|1944||645,000||Shingles Roof||1,700||3||> $10,000 Deductible||1160||12||Fiber-Cement Siding||yes|
|1987||805,000||Shingles Roof||2,280||4||$5000 to $10,000 Deductible||770||5||Stone Siding||No|
|1993||740,000||Tile Roof||2,010||5||> $10,000 Deductible||830||10||Wood siding||No|
|1968||360,000||Asphalt Shingles Roof||1,030||2||> $10,000 Deductible||300||6||Vinyl siding||No|
|1969||555,000||Membrane Roof||1,800||3||$500- $1000 Deductible||850||5||Wood siding||No|
|1961||695,000||Membrane Roof||2,280||3||$5000 to $10,000 Deductible||970||8||Stucco siding||No|
|1967||660,000||Tile Roof||1,660||5||$1000-$2500 Deductible||130||1||Stone Siding||No|
|1962||450,000||Metal Roof||990||2||$500- $1000 Deductible||900||8||Wood siding||yes|
|1984||1,175,000||Metal Roof||2,750||4||> $10,000 Deductible||1260||10||Fiber-Cement Siding||No|
|1964||1,155,000||Asphalt Shingles Roof||2,600||4||$500- $1000 Deductible||1620||7||Stucco siding||No|
|1964||1,050,000||Wood Shake Roof||3,340||4||$2500-$5000 Deductible||210||1||Wood siding||yes|
|1993||735,000||Metal Roof||1,860||3||$1000-$2500 Deductible||630||4||Vinyl siding||No|
|1977||405,000||Metal Roof||1,130||2||$5000 to $10,000 Deductible||290||5||Vinyl siding||yes|
|1967||775,000||Tile Roof||1,840||4||> $10,000 Deductible||880||8||Fiber-Cement Siding||yes|
|1976||400,000||Membrane Roof||1,010||2||$2500-$5000 Deductible||480||7||Stucco siding||yes|
|1944||1,075,000||Slate Shingles Roof||3,040||5||$1000-$2500 Deductible||440||2||Fiber-Cement Siding||No|
|1988||1,190,000||Composition Roof||2,970||5||$5000 to $10,000 Deductible||1100||6||Fiber-Cement Siding||yes|
|1963||810,000||Membrane Roof||1,870||3||$5000 to $10,000 Deductible||140||1||Brick siding||No|
|1979||780,000||Tile Roof||1,760||3||$5000 to $10,000 Deductible||560||5||Fiber-Cement Siding||yes|
|1940||600,000||Shingles Roof||1,640||5||$500- $1000 Deductible||930||8||Fiber-Cement Siding||yes|
|1941||855,000||Metal Roof||2,030||3||$2500-$5000 Deductible||1210||10||Fiber-Cement Siding||yes|
|1968||630,000||Wood Shake Roof||2,000||3||$1000-$2500 Deductible||900||7||Vinyl siding||No|
|1960||965,000||Membrane Roof||1,372||2||$500 Deductible||1390||5||Stucco siding||yes|