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Santa Cruz, CA Home Values & Insurance Rates

Santa Cruz, CA Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 672 8.0% $20
$50,000 to $59,999 228 2.0% $53
$60,000 to $69,999 111 1.0% $66
$70,000 to $79,999 150 1.0% $73
$80,000 to $89,999 134 1.0% $86
$90,000 to $99,999 190 2.0% $100
$100,000 to $124,999 449 5.0% $113
$125,000 to $149,999 300 3.0% $140
$150,000 to $174,999 382 4.0% $167
$175,000 to $199,999 322 4.0% $193
$200,000 to $249,999 1,028 13.0% $233
$250,000 to $299,999 1,036 13.0% $287
$300,000 to $399,999 2,649 34.0% $367

Top Home Insurance Agents Near Santa Cruz, CA

Home Insurance Company Near Santa Cruz, CA Homeowners Insurance Agency Near Santa Cruz, CA Address
Liberty Mutual Alex Cartagena 2580 North First Street Suite 290, San Jose, CA, 95131
State Farm Art Holland 6067 Cahalan Avenue, San Jose, CA, 95123-3863
State Farm Jeny Villarroel 988 El Monte Ave, Mountain View, CA, 94040-2355
Travelers Moore & Miller Inc 3333 SOQUEL DR STE A, SOQUEL, CA, 95073
Liberty Mutual Independent Professional Insurance Associa 1100 INDUSTRIAL RD STE 3, SAN CARLOS, CA, 94070

Estimated Home Insurance By Street Area Near Santa Cruz, CA

Santa Cruz Area Estimated House Insurance
Reno Way, Mount Massiah Grade, Plateau Ave, Edgecliff Way, Kirby St, el Camino Rd, Carriage Ln, Charles Hill Rd, Cross Way, Vienna Dr$693
Chaparral Dr, Viaduct St, Gertrude Ave, Encina Dr, Vista Mar Ct, Chilverton St, Virgil Ln, Vista Dr, Spyglass Way, Brookside Way$699
Coral St, Roland Dr, Pacheco Ave, Coastview Dr, Center Ave, Dusty Dr, Martin Dr, Serenata Ct, Tanner Heights Dr, Hanover St$667
Jarvis Rd, Cortez St, Mountain Valley Dr, View Dr, Almar Ave, Monarch Way, Blue Gum Ave, Longview Dr, Minnie St, Weston Rd$672
Daniel Ct, Willow Way, Primrose St, Van Ness Ave, Mar Vista Dr, Poplar Ave, Corinne Ave, Cuesta Dr, Baltusrol Way, Baronian Ct$690
Windemere Ln, Day Valley View, Stonewood, Porter St, Seabright Ave, Fenn Way, Moore St, Sky Meadow Ln, Bali Way, Grand Ave$666
San Benito Ave, Rio del Mar Blvd, Capitola Rd Exd, Harvard St, Pepperwood Way, Evergreen St, Merced Ave, Pleasant Valley Rd, Via Palo Alto, Mountain View Ct$673
Windward Ln, Kelldon Dr, Kinsley St, Bye Way, Margaret Ave, Patterson Ln, Escalona Ct, Hubbard St, Clinton St, Alto Sol Ct$665
Towne Ter, Reed Way, Willis Rd, Kresge Ct, Bean Hill Rd, Venetian Rd, N Big Trees Park Rd, Assembly Way, Madrona St, McGlenn Dr$621
Lakeview Dr, Holden St, Crestline Way, Serrell Ave, Mary Case Ln, Cypress Park, Heath Cove, Capitola Dr, Oneill Ln, Pelton Ave$650

Savings on home insurance for senior occupied homes

PlaceSavings
Santa Cruz$100 to $102
Pleasure Point$99
Live Oak$97
Capitola$96

Santa Cruz, CA 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
Santa Cruz, CA2.0%10.8%
Pleasure Point2.09%10.83%
Live Oak2.04%12.19%
Twin Lakes1.93%12.09%

Santa Cruz Renters Insurance as a Percentage of Rent

Santa Cruz Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 778 3.0% $763
$300 to $499 696 2.0% $1213
$500 to $749 1,519 6.0% $1888
$750 to $999 2,357 9.0% $2638
$1,000 to $1,499 7,295 29.0% $3763
$1,500 or more 11,802 48.0% $5413

Santa Cruz, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Santa Cruz Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,200$5,700
Net Savings to Santa Cruz Home Owner from High Deductible Plan $500

Santa Cruz, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Santa Cruz, CA Home Replacement Value MORE than Home Value Santa Cruz, CA Home Replacement Value LESS than Home Value
Replacement Value $703,500 $491,000
Insurance Premium based on Replacement Value $2,175 $1,525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $54,500 Risk Exposure from Under Insuring Coverage is $158,000
Premium Impact Insurance cheaper by $475/year Insurance costlier by $175/year

Example Santa Cruz Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceFarmers InsuranceLiberty Mutual
Monthly Premium 10618970
Year Built 197419661946
Home Details 3 Beds, 2 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000More than 10000000$500000-$600000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible> $10,000 Deductible

Santa Cruz, CA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Pleasure Point CDP, California $99 $132 $198
Live Oak CDP, California $98 $130 $195
Twin Lakes CDP, California $97 $129 $194

Sample Home Insurance Rates for Santa Cruz, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 495,000 Metal Roof 1,440 3 $500- $1000 Deductible 430 5 Brick siding No
1962 570,000 Asphalt Shingles Roof 1,770 2 $2500-$5000 Deductible 330 3 Stucco siding No
1997 755,000 Metal Roof 2,310 3 > $10,000 Deductible 1400 12 Stucco siding yes
1979 1,035,000 Wood Shake Roof 3,160 5 $5000 to $10,000 Deductible 330 2 Fiber-Cement Siding yes
1945 430,000 Metal Roof 1,260 3 $1000-$2500 Deductible 380 4 Stucco siding No
1963 395,000 Tile Roof 1,520 2 $1000-$2500 Deductible 410 6 Fiber-Cement Siding No
1943 490,000 Wood Shake Roof 1,510 2 $1000-$2500 Deductible 670 6 Wood siding No
1977 585,000 Tile Roof 2,140 3 $2500-$5000 Deductible 300 3 Wood siding No
1974 670,000 Asphalt Shingles Roof 2,140 4 $500 Deductible 1060 8 Stone Siding yes
1985 1,300,000 Composition Roof 2,749 4 $500- $1000 Deductible 3410 12 Stone Siding yes