Gavop's guide to buying homeowners insurance in Live Oak, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $134,000 | $120,000 | $100,000-$125,000 |
| 2 Bedroom | $380,500 | $360,000 | $300,000-$350,000 |
| 3 Bedroom | $389,500 | $360,000 | $350,000-$400,000 |
| 4 Bedroom | $565,500 | $450,000 | $400,000-$500,000 |
| 5 Bedroom | $875,500 | $810,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$146 | $830 |
| Superior Protection Discount | -$98 | $879 |
| Fire & Security Discount | -$68 | $908 |
| Hail Resistant Roof Discount | -$20 | $957 |
| Newly Constructed Home Discount | -$225 | $752 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,513 |
| Hail Damage | $4,618 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,386 |
| Home Insurance Company Live Oak, CA | Homeowners Insurance Agency Live Oak, CA | Address | Popularity Score | Distance from Live Oak (miles) |
|---|---|---|---|---|
| State Farm | Laura Peterson | 16795 Lark Ave Ste 108, Los Gatos, CA, 95032-7691 | 18.4 | |
| Allstate | David Tofig | 6116 Camino Verde Dr Ste 9, San Jose, CA, 95119 | 19.9 | |
| State Farm | Mike Mccauley | 1044 41st Ave, Santa Cruz, CA, 95062-4447 | 1.6 | |
| State Farm | Skip Leonard | 740 Front St Ste 115, Santa Cruz, CA, 95060-4536 | 2.6 | |
| State Farm | Dwayne Dawson | 1850 41st Avenue, Suite 201, Capitola, CA, 95010-2570 | 1.1 | |
| State Farm | Ninna Chugh | 3650 Thornton Ave, Fremont, CA, 94536-7400 | 39.8 | |
| State Farm | Laureen Yungmeyer | 718 Water St, Santa Cruz, CA, 95060-4117 | 2.0 | |
| State Farm | Andre Nguyen | 4990 Speak Ln Ste 220, San Jose, CA, 95118-2700 | 19.7 | |
| State Farm | Tina Choi | 4300 Stevens Crk Blvd Ste 130, San Jose, CA, 95129-1263 | 23.3 | |
| Liberty Mutual Independent | Cavalry Insurance Services | 1660 S Amphlett Blvd Ste 208, San Mateo, CA, 94402 | 43.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Santa Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Live Oak, CA | $622,600 | $977 | $720 | $1,330 | $610 |
| Capitola, CA | $585,100 | $973 | $720 | $1,320 | $600 |
| Twin Lakes, CA | $798,000 | $1,113 | $820 | $1,510 | $690 |
| Soquel, CA | $587,200 | $976 | $720 | $1,330 | $610 |
| Santa Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Aptos, CA | $745,600 | $1,123 | $830 | $1,530 | $700 |
| Zayante, CA | $450,000 | $1,327 | $980 | $1,800 | $820 |
| Sand City, CA | $575,000 | $1,683 | $1,250 | $2,290 | $1,040 |
| Stanford, CA | $1,591,300 | $935 | $690 | $1,270 | $580 |
| Toro Park, CA | $733,700 | $1,110 | $820 | $1,510 | $690 |
| San Mateo, CA | $1,132,500 | $1,211 | $900 | $1,650 | $750 |