How To Make Your Santa Cruz, CA Home Insurance Cheaper
Santa Cruz, CA, homeowners insurance is about $1517. V Home Insurance detailed analysis provides guidance to shoppers by choosing the right insurance provider for factors such as home value, coverage, and deductible. Enter your Zip Code below and click “GO” to get multiple free quotes.
Comparison of Santa Cruz, CA Home Insurance Rates with the Santa Cruz County Average
| Place | Santa Cruz County Average: $1,407.0 | $ Difference vs coutny Average | % Difference vs coutny Average | Population | Estimated Value of a Home ($) |
|---|---|---|---|---|---|
| Santa Cruz, CA | $1,517.25 | 110.25 | 0.08 | 154,673 | 727,400 |
Cost of Santa Cruz, CA Homeowners Insurance by Home Value and Household Income
| Nearby Places | Median Home value ($) | Median Household Income ($) | Premium Range |
|---|---|---|---|
| Saratoga | 1,933,900 | 67,820 | $1,325.9 |
| Campbell | 884,600 | 21,406 | $1,754.3 |
| Fruitdale | 710,900 | 64,091 | $1,092.9 |
| Sand City | 575,000 | 128,962 | $1,683 |
Homeowners Insurance Comparison for the Cheapest Premiums in Santa Cruz, CA
| Progressive | State Farm | Nationwide | |
| Median Home Value ($) | 727,400 | 727,400 | 727,400 |
| Age of Home | Above Year 50 | Year 30 Old | Year 50 Old |
| Home Coverage ($) | $1500,000 -$2000,000 | $750,000 -$999,999 | $400,000 -$499,999 |
| Total Premium ($) | $2,267.8 | $1,678.2 | $1,194.6 |
Cost of Santa Cruz, CA Home insurance Premium for Different Deductibles
| Company | Deductible ($) | Coverage value | Insurance premium ($) |
|---|---|---|---|
| MetLife | 2500 | $250,000-$299,999 | 475.9 |
| MAPFRE Insurance | 2500 | $150,000-$174,999 | 215.4 |
| Horace Mann Educators Corporation | 500 | $1000,000-$1499,999 | 1,600.7 |
| GEICO | 1000 | $100,000-$124,999 | 214.4 |
| Safeco Insurance | 1500 | $1500,000-$2000,000 | 1,559.1 |
| Mercury | 2500 | $750,000-$999,999 | 1,078.8 |
| Amica Mutual Insurance | 1000 | $400,000-$499,999 | 941.5 |
| Allstate | 2500 | $1000,000-$1499,999 | 1,188.2 |
| Progressive | 1000 | $150,000-$174,999 | 278.2 |
| Encompass Insurance | 500 | $400,000-$499,999 | 982.0 |