Santa Maria ,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 Maria, 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 Maria, CA is $1332. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Santa Maria, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Maria, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $533 |
| $200,000 | $906 |
| $300,000 | $1,119 |
| $400,000 | $1,705 |
| $500,000 | $2,145 |
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 Maria, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,366 |
| $1000 Deductible | $1,221 |
| $1500 Deductible | $1,152 |
| $2500 Deductible | $1,039 |
| $5000 Deductible | $879 |
| Home Insurance Company Near Santa Maria, CA | Homeowners Insurance Agency Near Santa Maria, CA | Address |
|---|---|---|
| NA | Deyette, Mccloskey & Associates Insurance Agency | 1532 Anacapa St #6 Santa Barbara, Santa Barbara, CA, 93101 |
| Travelers | Barbara Marie Lorenzen | 3211 BROAD ST #201, SAN LUIS OBISPO, CA, 93401 |
| Liberty Mutual Independent | California Meridian Ins | 9700 EL CAMINO REAL, ATASCADERO, CA, 93422 |
| Farmers | Daniel Phillips Lutcf | 8800 El Camino Real, Atascadero, CA, 93422 |
| Allstate | William Gretchen | 3891 State St Ste 206, Santa Barbara, CA, 93105 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Orcutt CDP, California | $78 | $103 | $155 |
| Garey CDP, California | $80 | $107 | $160 |
| Sisquoc CDP, California | $76 | $101 | $151 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Santa Maria, CA | 2.6% | 11.5% |
| Orcutt | 2.44% | 10.78% |
| Sisquoc | 2.81% | 19.32% |
| Nipomo | 2.3% | 14.38% |
| Santa Maria Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 179 | 1.0% | $342 |
| $200 to $299 | 349 | 2.0% | $792 |
| $300 to $499 | 688 | 4.0% | $1242 |
| $500 to $749 | 1,415 | 9.0% | $1917 |
| $750 to $999 | 3,129 | 20.0% | $2667 |
| $1,000 to $1,499 | 5,257 | 33.0% | $3792 |
| $1,500 or more | 4,608 | 29.0% | $5442 |
| Streets in Santa Maria Area | Homeowners Insurance Cost |
|---|---|
| Fair Oaks Dr, W Jewel St, Stuart Dr, Hobbs Ln, Stokes, Vis Promesa, Via Tropico, Via del Florista, Point Lobos Ln, North St | $626 |
| Bello Rd, Sequoia Dr, Iliff Ln, Hartnell Rd, Bedford Pl, Jacob Ln, Heredia Ln, Cesar E Chavez Dr, N Russell Ave, Wallis Ave | $617 |
| la Verne Ave, Elliot St, Roxy Ave, Parkdale Ln, Harrison Dr, Mira Flores Dr, W Mill St, N Oakley Ave, Damask Ct, Heatherwood Ln | $625 |
| Heredia Ln, Barrington Dr, San Antonio Dr, Donner Ct, Kings Ln, Bello Rd, Wellington Dr, N McClelland St, Paraiso St, Banyan Way | $618 |
| Drake Dr, Mariposa Way, Goodchild Ln, S Smith St, Lancer Ave, Rainbow Dr, Vine St, S Oakley Ave, Royal Ter, Eastwood Dr | $619 |
| Corbina Dr, Lemon St, Hampshire Pl, Francis Ln, Caselli Way, Moondance Ln, S Miller St, Lakeview Rd, Via Rico, Sorrento Ln | $614 |
| Jefferson Ct, N Curryer St, Cabo San Lucas Cir, Tiffany Park Ct, Lorraine Ave, Carolyne Way, Jacaranda Ct, East Ave, Catrina Way, Seaside Dr | $626 |
| Preisker Ln, E Rice Ranch Rd, S McClelland St, Duke Dr, W Tunnell St, Courtney Dr, Hadley Way, Palm Court Dr, Berry Ln, Taran Ct | $618 |
| Doane Ave, Stoney Park Ln, Big Pine Dr, Bardmoor Ct, Castle Ln, Cantata Ln, Gable Ln, Stardust Dr, N Palisade Dr, Ramos Ln | $614 |
| Janelle Ln, Via Di Campo, Village Knoll Ct, Larryton Ave, E Stacy Ann Ter, Angela Ct, Varner Ct, Amarone Ln, Hartley Pl, Almeria Ave | $609 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Santa Maria | $91 to $94 |
| Orcutt | $93 |
| Garey | $96 |
| Sisquoc | $90 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | American Modern | 692 |
| 200000 | 500 | New | Wawanesa | 381 |
| 250000 | 500 | New | Travelers | 373 |
| 500000 | 1000 | New | Safeco | 818 |
| 750000 | 2500 | New | Horace Mann P & C | 1072 |
| 150000 | 250 | 1-3 Years | IDS Property Casualty | 368 |
| 200000 | 500 | 1-3 Years | AAA (Interinsurance Exchange) | 276 |
| 250000 | 1000 | 1-3 Years | AAA (Interinsurance Exchange) | 314 |
| 250000 | 1000 | 1-3 Years | Travelers | 390 |
| 300000 | 500 | 1-3 Years | American Modern | 983 |
| 500000 | 2500 | 1-3 Years | American Modern | 1462 |
| 500000 | 2500 | 1-3 Years | Nationwide | 696 |
| 200000 | 500 | 4-6 Years | Universal North America | 330 |
| 250000 | 500 | 4-6 Years | Foremost Insurance | 925 |
| 750000 | 2500 | 4-6 Years | Liberty Ins Corp | 1081 |
| 200000 | 500 | 7-15 Years | AIG Prop Cas | 738 |
| 200000 | 500 | 7-15 Years | California Capital | 383 |
| 200000 | 500 | 7-15 Years | Horace Mann | 406 |
| 200000 | 500 | 7-15 Years | USAA | 424 |
| 200000 | 500 | 7-15 Years | Wawanesa | 431 |
| 250000 | 1000 | 7-15 Years | Integon/National | 534 |
| 300000 | 500 | 7-15 Years | Foremost Insurance | 1215 |
| 300000 | 500 | 7-15 Years | Stillwater Prop & Cas Co | 770 |
| 400000 | 1000 | 7-15 Years | Amica Mutual | 1026 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $3,700 |
| Yearly Santa Maria Homeowner Insurance Premium Example | $900 | $500 |
| Out of Pocket Expense During Claim | $1,700 | $3,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,900 | $7,700 |
| Net Savings to Santa Maria Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Santa Maria, CA Home Replacement Value MORE than Home Value | Santa Maria, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $350,000 | $264,500 |
| Insurance Premium based on Replacement Value | $850 | $625 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $29,500 | Risk Exposure from Under Insuring Coverage is $56,000 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $75/year |
| Insurance Company | Amica Mutual Insurance Company | Travelers | Allstate |
| Monthly Premium | 33 | 95 | 67 |
| Year Built | 1998 | 1988 | 2007 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $400000-$500000 | $600000-$700000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |