Gavop's guide to buying homeowners insurance in Las Flores, 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 | $136,500 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $389,500 | $350,000 | $300,000-$350,000 |
| 3 Bedroom | $343,000 | $310,000 | $300,000-$350,000 |
| 4 Bedroom | $836,000 | $700,000 | $800,000-$900,000 |
| 5 Bedroom | $1,122,500 | $950,000 | More than 10,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$89 | $1,027 |
| Home and Two Car | -$190 | $926 |
| Home and Three Car | -$268 | $848 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Orange County | $2,500 | $1,351 | $3,851 | $982 | $3,482 | $369 |
| Las Flores, CA | $2,500 | $1,103 | $3,603 | $801 | $3,301 | $301 |
| Coto de Caza, CA | $300 | $927 | $1,227 | $674 | $974 | $253 |
| Ladera Ranch, CA | $2,500 | $1,106 | $3,606 | $803 | $3,303 | $302 |
| Newport Beach, CA | $300 | $1,216 | $1,516 | $884 | $1,184 | $332 |
| Santa Ana, CA | $2,500 | $1,088 | $3,588 | $791 | $3,291 | $297 |
| Good Hope, CA | $500 | $595 | $1,095 | $433 | $933 | $163 |
| Norco, CA | $1,000 | $1,044 | $2,044 | $759 | $1,759 | $285 |
| Montclair, CA | $100 | $779 | $879 | $566 | $666 | $213 |
| Cudahy, CA | $1,500 | $855 | $2,355 | $621 | $2,121 | $234 |
| Rolling Hills Estates, CA | $400 | $930 | $1,330 | $676 | $1,076 | $254 |
| South Monrovia Island, CA | $2,000 | $1,089 | $3,089 | $791 | $2,791 | $298 |
| Home Insurance Company Las Flores, CA | Homeowners Insurance Agency Las Flores, CA | Address | Popularity Score | Distance from Las Flores (miles) |
|---|---|---|---|---|
| Travelers | Benefitsource Insurance Services | 28 Argonaut Ste 100, Aliso Viejo, CA, 92656 | 6.0 | |
| State Farm | Chris Risi | 32392 Coast Hwy Ste 260, Laguna Beach, CA, 92651-6784 | 8.9 | |
| Allstate | Cheryl Binns | 31601 Coast Hwy Ste C, Laguna Beach, CA, 92651 | 8.9 | |
| State Farm | Taylor Oda | 3551 Camino Mira Costa Ste M, San Clemente, CA, 92672-3504 | 9.0 | |
| State Farm | Virnie Tordera | 12071 Beach Blvd, Stanton, CA, 90680-3705 | 25.5 | |
| Liberty Mutual Independent | Premier One Insurance Services | 100 Pacifica Ste 480, Irvine, CA, 92618 | 9.2 | |
| State Farm | Chris Dolkas | 800 Avenida Pico Ste Q, San Clemente, CA, 92673-5625 | 9.7 | |
| State Farm | Phillip Ngo | 18382 Brookhurst Street, Fountain Valley, CA, 92708 | 20.6 | |
| Farmers | Jason Ortega | 3553 Camino Mira Costa Ste G, San Clemente, CA, 92672 | 8.9 | |
| Farmers | Devin Wozencraft | 17321 Irvine Blvd Ste 201, Tustin, CA, 92780 | 16.5 |
| 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 |
| Orange County, CA | $620,500 | $1,368 | $1,010 | $1,860 | $850 |
| Las Flores, CA | $739,600 | $1,116 | $830 | $1,520 | $690 |
| Coto de Caza, CA | $958,100 | $938 | $690 | $1,280 | $590 |
| Ladera Ranch, CA | $803,400 | $1,119 | $830 | $1,520 | $690 |
| Newport Beach, CA | $1,695,700 | $1,231 | $910 | $1,670 | $760 |
| Santa Ana, CA | $421,600 | $1,101 | $810 | $1,500 | $690 |
| Good Hope, CA | $197,500 | $603 | $450 | $820 | $370 |
| Norco, CA | $476,900 | $1,057 | $780 | $1,440 | $660 |
| Montclair, CA | $304,200 | $789 | $580 | $1,070 | $490 |
| Cudahy, CA | $327,500 | $865 | $640 | $1,180 | $540 |
| Rolling Hills Estates, CA | $1,153,700 | $942 | $700 | $1,280 | $580 |
| South Monrovia Island, CA | $402,500 | $1,102 | $820 | $1,500 | $680 |