Santa Cruz Insurance Rates:

Santa Cruz, CA homeowners insurance is about $567 to $769, about $47-$64/month. Our extensive analysis indicates shoppers can save upto $267 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Saferoad Insurance
The quotes they give me are always updated and useful. they look around the market in order to provide me with useful quotes that work no matter what year or time of year it is.
Farmer's Insurance
I like the way the insurance treated me when i did have an issue. Some agents these days you are just a number and nothing else. It is nice to get good customer services oh and a live person.
i feel that it is pretty average. We had trouble finding coverage due to the age of our home. but once we found them we found the pricing to be fair and on par with other companies.
I give them a 5. I have had to work with Nationwide Insurance in regards to roof repairs and they were fast with a minimum amount of frustration.
I don't like that, i have to call different agents for different insurances. my car met with an accident, even though i have one insurance, i had to contact multiple people one for the initial claim and then another to detail the accident, then one for auto insurance and then another for home insurance. it was very confusing.
Stillwater Insurance Group
Stillwater is under the geico umbrella, so you can receive a multi-policy discount on your rate in addition to the convenience of having both policies accessible through one website. less log-in information to remember!
I wish they had more discounted offers from time to time and perhaps other coverage benefits that other insurance companies provide without having to pay a lot more money.
The website is very functional and easy to navigate and use. I have never had an issue with using the website.
Liberty Mutual
Customer service seems fine. There was no hard selling and there were just questions about my needs and conditions of the house.
Liberty Mutual
I like that my agent is friendly and communicates via email and phone and was easy to understand. I like that he's local in my state and not in some overseas call center. The entire company's communication has been fantastic.
I have never had to use the claims process as we have never had to file a claim with this particular company.
State Farm
My agent is always there to answer questions and troubleshoot any problems that I have regarding claims, premiums or renewals.
State Farm
Sometimes when I call state farm they answer my call somewhat slow and there is a long waiting line of other callers. I dont have that problem.
Communication is perfect. I get everything I need thru the app or via email.
I do wish the auto premiums would come down a little. They seem to go up a little every year, even though we're accident-free for over 5 years.
State Farm
I like them for being fast, reliable, friendly and easy to get a hold of. if I can't they call me back right away.
I would recommend my home insurance company because I have not had any issues and was able to receive everything that I have asked of them. It should also be noted that I have not made any claims, so I cannot speak to how they handle claims.
Safeco Insurance
They were easy to reach and incredibly helpful. They took care of my needs with no friction between customer service and customer. I would go so far as to recommend them to someone looking for instrument insurance but open to switching home insurance providers.
State Farm
I've been with various State Farm agents over the past 48 years. Each agent displays the same characteristics of cooperativeness, timeliness, knowledge, and helpfulness. State Farm has made it easy for me to move from state to state without the anguish of state-level insurance nuances causing a problems. Even though insurance is state-based, each agent has respected the fact - and helped me as a result - of me being a long-term and solely a State Farm customer. And just so you know, over the years I have quoted other companies as recently as last week. There is nothing I've found that motivates me to switch insurance companies.
Farmer's Insurance
Farmers is probably one of the best insurance companies for anyone who lives in a rural area. They have coverage for things that other insurance companies dont.
Communication and thoughtfulness are two components that I dislike about the company because sometimes an emergency occurs and an individual needs help right then not two to three days, weeks or months later.
State Farm
we are happy with our insurance company. We plan to stick around and continue to use State Farm for our needs. Our insurance guy, Ryan, is terrific and we would recommend to anyone.

Santa Cruz, CA Homeowners Insurance By Home Value

Santa Cruz, CA Home Value Total Homes % of Total Average Santa Cruz, CA 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

Santa Cruz, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Santa Cruz, CA

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

Santa Cruz, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Cruz$100 to $102
Pleasure Point$99
Live Oak$97

Santa Cruz, 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
Pleasure Point CDP, California $99 $132 $198
Live Oak CDP, California $98 $130 $195
Twin Lakes CDP, California $97 $129 $194

Santa Cruz, 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
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

Average Cost Of Home Insurance By Company In Areas Nearby Santa Cruz For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
5000002500NewTokio Marine America389
7500002500NewLiberty Ins Corp913
1500005001-3 YearsStillwater Prop & Cas Co385
25000010001-3 YearsQBE (Balboa)532
25000010001-3 YearsUSAA508
2500005001-3 YearsNationwide549
50000025001-3 YearsGeneral Ins382
50000025001-3 YearsMAPFRE Group718
1500005004-6 YearsQBE (Balboa)487
2000005004-6 YearsHorace Mann P & C499
25000010004-6 YearsIDS Property Casualty569
40000010004-6 YearsStillwater Prop & Cas Co814
50000025004-6 YearsIntegon/National976
75000025004-6 YearsNationwide1393
1500005007-15 YearsAmica Mutual612
1500005007-15 YearsHomesite682
25000010007-15 YearsGrange638
2500005007-15 YearsFirst American Ins939
3000005007-15 YearsFarmers (Fire Ins)1268

Santa Cruz, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

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
1970 555,000 Asphalt Shingles Roof 1,750 3 $500 Deductible 900 10 Wood siding No
1978 885,000 Shingles Roof 3,260 4 $500 Deductible 1940 9 Vinyl siding yes
1987 475,000 Tile Roof 1,990 3 > $10,000 Deductible 660 12 Wood siding No
1965 355,000 Shingles Roof 1,520 2 > $10,000 Deductible 410 12 Vinyl siding No
1942 340,000 Membrane Roof 1,280 2 $500- $1000 Deductible 280 4 Fiber-Cement Siding yes
1964 415,000 Membrane Roof 1,640 3 $2500-$5000 Deductible 260 3 Brick siding No
1967 1,060,000 Tile Roof 3,790 5 $2500-$5000 Deductible 690 4 Fiber-Cement Siding No
1985 755,000 Shingles Roof 2,970 4 $1000-$2500 Deductible 940 5 Brick siding yes
1966 1,165,000 Slate Shingles Roof 3,670 5 $2500-$5000 Deductible 350 2 Stone Siding yes
1966 955,000 Tile Roof 3,490 5 $2500-$5000 Deductible 1710 9 Wood siding yes
1944 655,000 Metal Roof 2,300 3 > $10,000 Deductible 300 4 Stone Siding No
1984 535,000 Slate Shingles Roof 1,760 3 > $10,000 Deductible 60 1 Stucco siding yes
1972 465,000 Asphalt Shingles Roof 1,380 2 $5000 to $10,000 Deductible 800 12 Stone Siding yes
1963 620,000 Slate Shingles Roof 1,820 5 $2500-$5000 Deductible 1440 12 Vinyl siding No
1967 515,000 Slate Shingles Roof 1,520 2 $5000 to $10,000 Deductible 640 8 Wood siding No
1969 500,000 Shingles Roof 1,640 3 $500 Deductible 120 1 Vinyl siding No
1975 1,295,000 Tile Roof 4,920 5 $500 Deductible 1700 6 Stone Siding No
1998 1,055,000 Tile Roof 3,090 5 $1000-$2500 Deductible 1980 10 Stucco siding No
1999 675,000 Metal Roof 2,260 3 $500 Deductible 290 2 Brick siding yes
1984 920,000 Shingles Roof 2,820 4 $2500-$5000 Deductible 930 5 Stone Siding yes
1965 895,000 Composition Roof 3,010 5 $500- $1000 Deductible 1930 10 Fiber-Cement Siding No
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

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