Santa Cruz ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Santa Cruz, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Santa Cruz, CA is $1445. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Santa Cruz, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Cruz, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $578 |
| $200,000 | $983 |
| $300,000 | $1,214 |
| $400,000 | $1,850 |
| $500,000 | $2,326 |
Home insurance costs in Santa Cruz can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 095065 | $1,381 |
| 95062 | $1,360 |
| 95064 | $1,272 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Santa Cruz, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,482 |
| $1000 Deductible | $1,325 |
| $1500 Deductible | $1,250 |
| $2500 Deductible | $1,127 |
| $5000 Deductible | $954 |
| 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 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Pleasure Point CDP, California | $99 | $132 | $198 |
| Live Oak CDP, California | $98 | $130 | $195 |
| Twin Lakes CDP, California | $97 | $129 | $194 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Santa Cruz, CA | 2.0% | 10.8% |
| Pleasure Point | 2.09% | 10.83% |
| Live Oak | 2.04% | 12.19% |
| Twin Lakes | 1.93% | 12.09% |
| 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 |
| Streets in Santa Cruz Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Santa Cruz | $100 to $102 |
| Pleasure Point | $99 |
| Live Oak | $97 |
| Capitola | $96 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Kemper | 408 |
| 300000 | 500 | New | Travelers | 528 |
| 300000 | 500 | New | Wawanesa | 696 |
| 500000 | 2500 | New | Tokio Marine America | 389 |
| 750000 | 2500 | New | Liberty Ins Corp | 913 |
| 150000 | 500 | 1-3 Years | Stillwater Prop & Cas Co | 385 |
| 250000 | 1000 | 1-3 Years | QBE (Balboa) | 532 |
| 250000 | 1000 | 1-3 Years | USAA | 508 |
| 250000 | 500 | 1-3 Years | Nationwide | 549 |
| 500000 | 2500 | 1-3 Years | General Ins | 382 |
| 500000 | 2500 | 1-3 Years | MAPFRE Group | 718 |
| 150000 | 500 | 4-6 Years | QBE (Balboa) | 487 |
| 200000 | 500 | 4-6 Years | Horace Mann P & C | 499 |
| 250000 | 1000 | 4-6 Years | IDS Property Casualty | 569 |
| 400000 | 1000 | 4-6 Years | Stillwater Prop & Cas Co | 814 |
| 500000 | 2500 | 4-6 Years | Integon/National | 976 |
| 750000 | 2500 | 4-6 Years | Nationwide | 1393 |
| 150000 | 500 | 7-15 Years | Amica Mutual | 612 |
| 150000 | 500 | 7-15 Years | Homesite | 682 |
| 250000 | 1000 | 7-15 Years | Grange | 638 |
| 250000 | 500 | 7-15 Years | First American Ins | 939 |
| 300000 | 500 | 7-15 Years | Farmers (Fire Ins) | 1268 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Chubb Group of Insurance | Farmers Insurance | Liberty Mutual |
| Monthly Premium | 106 | 189 | 70 |
| Year Built | 1974 | 1966 | 1946 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $600000-$700000 | More than 10000000 | $500000-$600000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | > $10,000 Deductible |