Santa Maria Insurance Rates:

Santa Maria, CA homeowners insurance is roughly $522 to $706, about $43-$58/month. Our in depth analysis indicates shoppers can save upto $245 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
MY premium and deductible seem fair relative to those of other policies. I can pay more for a lower deductible but did not see the value in doing so.
Progressive
I'll give you both. I'd recommend them to people that have their car insurance as well. I would not recommend them because of their terrible customer service.
Geico
The customer service of this insurance company is always available and ready to help out. they are typically a phone call away.
Liberty Mutual
One thing I like about my insurance company is that they process claims quickly and within a reasonable time frame.
Liberty Mutual
I have only contacted them twice. Never had a claim. Agents were friendly and helpful.
Farmer's Insurance
The customer service with Farmers is excellent, I’ve never had a bad experience with them. If I have any issues I would call customer care and get it resolved.
State Farm
I would say it is for the same reason as above since we bundle our insurance. I like the fact that the customer service reps look at all the options for bundling in order to save me money.
Safeco Insurance
They are open 24 hours a day and always answer my questions in a prompt manner. The department is very friendly
Progressive
The company has great representatives who take care of their customers. Insurance is eat to obtain. It is easy to pay monthly premiums on the website. Overall UI on their website is great.
State Farm
I know there are better deals out there but I just don't have the time to search for them! But someday I will find a good price and good overall coverage.
State Farm
I have really not had to do anything with my homeowner's insurance. The company has taken care of most of the work for me. They send me notices every year about my premium and take care of it all!
Allstate
They don't bother me much and their communications are simple which is what I like.
Liberty Mutual
Prices are high but all homeowners actually all insurances is higher in Massachusetts than we pay in Missouri
Travelers
Overall I would like to pay less money I would like to have a loyalty rate adjustment due to the time I been with the company
Liberty Mutual
It would be nice if there were a better website and a mobile app. The communication and level of thoroughness could also improve.
Farmer's Insurance
I have nothing but good things to say about farmer insurance. Their customer service department has always been extremely helpful with anything that I need.
Geico
I would absolutely recommend this company. They have been fantastic to work with, have great customer service, have excellent rates and it seems they cannot be beaten. I have not had to submit a claim, but I am sure that they would be equally great to work with.
The Hartford
I do not like their premiums on the homeowner's policy. Even though I understand why it is high due to the recent natural disasters, it does not do any good for my wallet.
Progressive
I like how they treat me with a respect and friendship and not just another client. I like they are personable and cover so much about my house. They made finding insurance for my first house so easy and I can depend on them.
State Farm
I like the customer service. Everyone that I've dealt with has been very pleasant.
Allstate
I would recommend my homeowners insurance company to others because the customer service has been exceptional and the premium is affordable.

Santa Maria, CA Homeowners Insurance By Home Value

Santa Maria, CA Home Value Total Homes % of Total Average Santa Maria, CA Homeowners Insurance
Less than $50,000 1,298 7.0% $49
$50,000 to $59,999 177 1.0% $104
$60,000 to $69,999 278 1.0% $135
$80,000 to $89,999 308 1.0% $171
$100,000 to $124,999 578 3.0% $227
$125,000 to $149,999 490 2.0% $282
$150,000 to $174,999 969 5.0% $337
$175,000 to $199,999 1,097 6.0% $386
$200,000 to $249,999 2,729 15.0% $466
$250,000 to $299,999 3,733 21.0% $571
$300,000 to $399,999 5,609 31.0% $730

Top Home Insurance Agents Near Santa Maria, CA

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

Santa Maria, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Santa Maria, CA

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

Santa Maria, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Maria$91 to $94
Orcutt$93
Garey$96
Sisquoc$90

Santa Maria, 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
Orcutt CDP, California $78 $103 $155
Garey CDP, California $80 $107 $160
Sisquoc CDP, California $76 $101 $151

Santa Maria, 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 Maria, CA2.6%11.5%
Orcutt2.44%10.78%
Sisquoc2.81%19.32%
Nipomo2.3%14.38%

Santa Maria Renters Insurance as a Percentage of Rent

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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewAmerican Modern692
200000500NewWawanesa381
250000500NewTravelers373
5000001000NewSafeco818
7500002500NewHorace Mann P & C1072
1500002501-3 YearsIDS Property Casualty368
2000005001-3 YearsAAA (Interinsurance Exchange)276
25000010001-3 YearsAAA (Interinsurance Exchange)314
25000010001-3 YearsTravelers390
3000005001-3 YearsAmerican Modern983
50000025001-3 YearsAmerican Modern1462
50000025001-3 YearsNationwide696
2000005004-6 YearsUniversal North America330
2500005004-6 YearsForemost Insurance925
75000025004-6 YearsLiberty Ins Corp1081
2000005007-15 YearsAIG Prop Cas738
2000005007-15 YearsCalifornia Capital383
2000005007-15 YearsHorace Mann406
2000005007-15 YearsUSAA424
2000005007-15 YearsWawanesa431
25000010007-15 YearsIntegon/National534
3000005007-15 YearsForemost Insurance1215
3000005007-15 YearsStillwater Prop & Cas Co770
40000010007-15 YearsAmica Mutual1026

Santa Maria, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

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

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

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

Insurance Company Amica Mutual Insurance CompanyTravelersAllstate
Monthly Premium 339567
Year Built 199819882007
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$400000-$500000$600000-$700000
Deductible $2500-$5000 Deductible$500- $1000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 445,000 Shingles Roof 3,510 5 $5000 to $10,000 Deductible 950 9 Stucco siding No
1996 750,000 Wood Shake Roof 4,140 5 $1000-$2500 Deductible 1700 9 Wood siding No
2003 385,000 Slate Shingles Roof 2,430 4 $1000-$2500 Deductible 460 4 Stone Siding yes
1997 310,000 Membrane Roof 1,790 4 $500 Deductible 550 7 Fiber-Cement Siding No
1972 315,000 Asphalt Shingles Roof 1,860 5 > $10,000 Deductible 60 1 Vinyl siding No
1986 225,000 Composition Roof 1,790 3 $5000 to $10,000 Deductible 200 5 Stone Siding yes
2000 615,000 Metal Roof 4,940 5 $2500-$5000 Deductible 650 8 Wood siding No
1964 770,000 Membrane Roof 4,250 5 $1000-$2500 Deductible 330 2 Wood siding yes
1989 195,000 Metal Roof 1,320 3 $1000-$2500 Deductible 270 6 Vinyl siding No
1977 640,000 Tile Roof 4,550 5 $500- $1000 Deductible 860 6 Fiber-Cement Siding No
1975 700,000 Slate Shingles Roof 4,720 5 $500- $1000 Deductible 910 6 Brick siding yes
1974 530,000 Metal Roof 3,800 5 > $10,000 Deductible 90 1 Fiber-Cement Siding yes
2011 270,000 Asphalt Shingles Roof 1,540 3 $500 Deductible 560 6 Stone Siding yes
1962 385,000 Shingles Roof 2,210 3 > $10,000 Deductible 340 7 Stucco siding yes
1989 605,000 Composition Roof 3,380 4 > $10,000 Deductible 400 5 Fiber-Cement Siding yes
1967 655,000 Membrane Roof 4,060 5 $2500-$5000 Deductible 1040 8 Wood siding No
2011 280,000 Slate Shingles Roof 1,790 5 $500 Deductible 90 1 Fiber-Cement Siding No
1992 270,000 Metal Roof 1,820 5 $500 Deductible 140 3 Brick siding yes
2003 320,000 Slate Shingles Roof 2,610 4 $1000-$2500 Deductible 100 2 Fiber-Cement Siding yes
2013 210,000 Tile Roof 1,540 5 $500- $1000 Deductible 520 12 Brick siding No
1992 415,000 Asphalt Shingles Roof 2,790 5 > $10,000 Deductible 90 2 Stucco siding yes
1973 285,000 Composition Roof 2,320 4 $500 Deductible 660 7 Stucco siding No
1973 290,000 Wood Shake Roof 1,880 4 $500- $1000 Deductible 360 4 Vinyl siding yes
2008 320,000 Asphalt Shingles Roof 2,400 4 $500 Deductible 450 7 Stucco siding No
1979 505,000 Composition Roof 3,180 4 $500 Deductible 870 9 Stucco siding yes
2004 365,000 Membrane Roof 2,220 4 $500- $1000 Deductible 110 1 Brick siding No
1965 420,000 Composition Roof 3,190 4 $500 Deductible 520 5 Brick siding No
1986 730,000 Slate Shingles Roof 4,170 5 $500- $1000 Deductible 530 3 Stone Siding yes
1965 545,000 Composition Roof 4,500 5 $5000 to $10,000 Deductible 360 4 Stucco siding yes
1962 180,000 Shingles Roof 1,300 3 $5000 to $10,000 Deductible 350 10 Fiber-Cement Siding No
1991 315,000 Tile Roof 1,453 2 $2500-$5000 Deductible 170 3 Fiber-Cement Siding yes

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