Santa Monica Insurance Rates:

Santa Monica, CA homeowners insurance is about $612 to $838, about $51-$69/month. Our all inclusive research indicates shoppers can save upto $290 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I would absolutely recommend Allstate in terms of saving you the most money on your home insurance as well as explaining the details of the exact plan and what is covered.
State Farm
Their policies are on par or better than most of the competition. Fair numbers that anyone can deal with. I have nothing to complain about here.
Travelers
I would recommend this company because we have had them several years and have not had any bad experiences. They offer good insurance for reasonable prices and have friendly agents.
Allstate
The Allstate's home insurance policy that I qualified for was within a comfortable range for my budget. Compared to most other providers I found Allstate to have a pretty good rate and quality.
Travelers
I like that my insurance company has competitive prices. i do not feel that i am being gouged by them for profit.
State Farm
The company doesn't cover dental problem under insurance, i have bad teeth, so a good dental plan would be good for everyone.
Brown Insurance
I also like how convenient the place is from where i live. it's about a 25-minute drive and it's not bad.
Allstate
It's hard to get a hold of my personal agent. You can always talk to the front desk associate but I actually think the actual agent is often too busy to talk or doesn't return your call.
State Farm
The company mails out notices when things have changed with my policy or the policy has been paid by my mortgage company. The broker was very friendly when we initially opened the insurance policy.
Safeco Insurance
A representative was sent out to access the damage. The claim was settled quickly and fairly.
State Farm
The website is slow and a little hard to get around, but everything I need is there if I take the time to search. They could improve, but it could be worse, so I'm satisfied
Progressive
It is easy to use, updates changes to policies quickly and is user-friendly. It is fast and informative.
State Farm
I would recommend State Farm because you get to speak to an agent. I feel it is better than only talking to someone online such as Geico.
Liberty Mutual
I have never dealt with customer service from my homeowners provider as I have never filed a claim with them in over 20 years.
Farmer's Insurance
I have only used my home owners one time in thirty years . they were really good about the stlitutatulion. I would rate them a 5 .

Santa Monica, CA Homeowners Insurance By Home Value

Santa Monica, CA Home Value Total Homes % of Total Average Santa Monica, CA Homeowners Insurance
Less than $50,000 128 13.0% $14
$70,000 to $79,999 55 5.0% $50
$80,000 to $89,999 41 4.0% $58
$90,000 to $99,999 27 2.0% $65
$100,000 to $124,999 77 7.0% $79
$150,000 to $174,999 22 2.0% $116
$175,000 to $199,999 70 7.0% $130
$200,000 to $249,999 62 6.0% $159
$250,000 to $299,999 70 7.0% $196
$300,000 to $399,999 423 43.0% $254

Top Home Insurance Agents Near Santa Monica, CA

Home Insurance Company Near Santa Monica, CA Homeowners Insurance Agency Near Santa Monica, CA Address
NA Miller United Insurance Brokerage, Inc. 245 Fischer Avenue, Suite A-2 Costa Mesa, Costa Mesa, CA, 92626
State Farm Chris Gordon 5145 Calle Mayor, Torrance, CA, 90505-4456
State Farm Eloisa Villarreal Sharp 1871 W La Habra Blvd, La Habra, CA, 90631-5131
Farmers George Mori 6060 W Manchester Ave Ste 301, Los Angeles, CA, 90045
State Farm Reggie Montgomery 11401 Carson Street, Lakewood, CA, 90715-2546

Santa Monica, CA Home Insurance Agents for Top Companies


Santa Monica, 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
Marina del Rey CDP, California $96 $128 $192
Los Angeles city, California $96 $128 $192
Culver City city, California $99 $132 $198

Santa Monica, 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 Monica, CA1.7%7.8%
Marina del Rey1.52%5.34%
Los Angeles2.03%9.35%
Culver City2.09%11.02%

Santa Monica Renters Insurance as a Percentage of Rent

Santa Monica Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 847 2.0% $732
$300 to $499 1,007 3.0% $1182
$500 to $749 1,910 5.0% $1857
$750 to $999 4,414 13.0% $2607
$1,000 to $1,499 8,193 25.0% $3732
$1,500 or more 16,154 49.0% $5382

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewLiberty Ins Corp512
150000500NewSafeco477
200000500NewAmica Mutual676
2500001000NewBankers Standard2252
4000001000NewAmerican Reliable1172
4000001000NewCalifornia Capital979
4000001000NewQBE (Balboa)881
5000002500NewGeneral Ins584
7500002500NewAIG Prop Cas2857
7500002500NewKemper994
7500002500NewMercury Ins Group750
1500002501-3 YearsAmerican Modern631
25000010001-3 YearsTravelers605
2500005001-3 YearsMercury Ins Group468
3000005001-3 YearsAmerican Reliable1004
40000010001-3 YearsStillwater Ins Co939
50000025001-3 YearsIntegon/National1080
50000025001-3 YearsKemper788
75000025001-3 YearsOregon Mutual1597
75000025001-3 YearsTravelers1394
2500005004-6 YearsQBE (Balboa)901
40000010004-6 YearsHomesite1521
40000010004-6 YearsUniversal North America839

Santa Monica, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Santa Monica Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,100$8,500
Net Savings to Santa Monica Home Owner from High Deductible Plan $600

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

Scenario Santa Monica, CA Home Replacement Value MORE than Home Value Santa Monica, CA Home Replacement Value LESS than Home Value
Replacement Value $951,500 $688,000
Insurance Premium based on Replacement Value $2,275 $1,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $161,500 Risk Exposure from Under Insuring Coverage is $102,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $400/year

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

Insurance Company GEICO InsuranceNationwide InsuranceState Farm
Monthly Premium 91209130
Year Built 194519831955
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $400000-$500000More than 10000000$800000-$900000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1948 555,000 Tile Roof 1,540 2 > $10,000 Deductible 250 4 Brick siding yes
1960 530,000 Asphalt Shingles Roof 1,270 2 $500 Deductible 810 7 Vinyl siding yes
1943 840,000 Metal Roof 1,590 2 $2500-$5000 Deductible 420 4 Stucco siding yes
1963 1,115,000 Slate Shingles Roof 2,870 4 $500- $1000 Deductible 720 3 Fiber-Cement Siding No
1950 1,575,000 Slate Shingles Roof 3,360 4 $1000-$2500 Deductible 2270 9 Fiber-Cement Siding No
1979 505,000 Asphalt Shingles Roof 1,190 2 $1000-$2500 Deductible 950 7 Vinyl siding yes
1969 655,000 Wood Shake Roof 1,680 2 > $10,000 Deductible 70 1 Stucco siding yes
1960 530,000 Shingles Roof 1,120 2 $500- $1000 Deductible 1460 10 Stucco siding yes
1963 1,130,000 Asphalt Shingles Roof 2,390 3 $500- $1000 Deductible 760 3 Stone Siding yes
1986 695,000 Slate Shingles Roof 1,510 3 $500- $1000 Deductible 2290 10 Fiber-Cement Siding No
1981 825,000 Slate Shingles Roof 1,760 2 $1000-$2500 Deductible 680 5 Fiber-Cement Siding No
1962 935,000 Tile Roof 1,840 4 > $10,000 Deductible 830 7 Stone Siding yes
1980 1,460,000 Tile Roof 2,900 4 > $10,000 Deductible 1390 9 Vinyl siding yes
1940 615,000 Metal Roof 1,630 2 $5000 to $10,000 Deductible 100 1 Fiber-Cement Siding No
1971 1,490,000 Membrane Roof 2,980 4 $500 Deductible 960 4 Brick siding No
1942 850,000 Shingles Roof 2,000 4 $500 Deductible 1420 8 Brick siding yes
1954 460,000 Membrane Roof 1,000 2 $5000 to $10,000 Deductible 160 2 Brick siding yes
1970 675,000 Wood Shake Roof 1,710 4 $5000 to $10,000 Deductible 640 5 Brick siding No
1986 825,000 Asphalt Shingles Roof 1,820 3 $500 Deductible 1580 7 Fiber-Cement Siding yes
1966 910,000 Shingles Roof 1,760 2 $500 Deductible 280 1 Stucco siding yes
1940 780,000 Slate Shingles Roof 1,710 3 $500- $1000 Deductible 570 4 Fiber-Cement Siding yes
1987 460,000 Wood Shake Roof 950 2 $500- $1000 Deductible 1240 10 Stucco siding No
1949 645,000 Slate Shingles Roof 1,620 2 $500 Deductible 770 6 Stucco siding No
1981 550,000 Metal Roof 1,370 3 $500 Deductible 1420 8 Brick siding yes
1961 1,155,000 Metal Roof 2,560 4 $2500-$5000 Deductible 180 1 Stone Siding No
1972 980,000 Tile Roof 2,470 4 $500 Deductible 1800 6 Brick siding No
1979 1,035,000 Asphalt Shingles Roof 2,650 4 $2500-$5000 Deductible 860 4 Wood siding No
1975 810,000 Composition Roof 1,570 3 $5000 to $10,000 Deductible 630 5 Vinyl siding No
1956 645,000 Tile Roof 1,330 2 $2500-$5000 Deductible 190 2 Fiber-Cement Siding yes
1982 810,000 Shingles Roof 1,550 3 $1000-$2500 Deductible 520 3 Brick siding No
1967 365,000 Membrane Roof 1,010 2 > $10,000 Deductible 700 12 Wood siding yes
1962 430,000 Tile Roof 910 2 > $10,000 Deductible 170 3 Vinyl siding No
1951 915,000 Membrane Roof 2,100 3 $5000 to $10,000 Deductible 100 1 Wood siding No
1953 1,515,000 Slate Shingles Roof 1,439 2 > $10,000 Deductible 3810 10 Brick siding yes

How To Make Your Santa Monica, CA Home Insurnace Cheaper