How Can I Make My Santa Cruz County, CA Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Santa Cruz County, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Estimate Appropriate Santa Cruz County, CA Home Insurance Coverage Levels | Back to Top

Santa Cruz County, CA - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
David Way, Wildberry Dr, Whispering Palms Dr, Quiet Meadow Dr, Lower Locksley Rd, Pacheco Ave, 32nd Ave, Campus Dr, Sutherland Ln, Wente St $506,500 $460,000 $500,000-$600,000 $292,000 $270,000 $250,000-$300,000
Charles Hill Rd, Cuesta Dr, Adelaida Ct, Market St, Calypso Dr, Tabor Dr, E Ledyard Way, Soquel San Jose Rd, Farley Dr, Dellview Ave $519,000 $430,000 $600,000-$700,000 $493,500 $400,000 $400,000-$500,000
Sandpiper Ln, la Hai Roi Ln, Richardson St, Bradford Rd, E Riverside Dr, Willow Dr, Herrick Ct, Claudius Dr, Pool Dr, Blackburn St $205,500 $200,000 $200,000-$250,000 $193,000 $160,000 $200,000-$250,000
Wells Rd, Linda Vista Dr, Grainger Ln, Misty Ln, Clifton Dr, Shake Tree Ln, Peyton St, Valencia Rd, Clamshell Dr, Agate Dr $217,500 $190,000 $175,000-$200,000 $157,000 $130,000 $150,000-$175,000
el Solyo Ave, Dons Rd, Cll Cuesta, Scenic St, Hunt Way, Fallowfield Ln, Fairbanks St, Day Valley Rd, Risso Ct, Sells Dr $308,000 $260,000 $300,000-$350,000 $181,000 $150,000 $200,000-$250,000
Las Casitas, Belle Monti Ct, Verdoso Ave, Pearl St, 7th Ave, Stillbreeze Ln, Cross St, Roe Ave, Brentwood Dr, Volz Ln $535,500 $480,000 $500,000-$600,000 $235,000 $210,000 $250,000-$300,000
Beachview Ave, Virgil Ln, Rodger Way, Fern Ridge Rd, Stoneybrook Way, Richardson Ave, Las Flores St, Edgecliff Way, Miller Pl, King St $447,000 $410,000 $400,000-$500,000 $298,000 $250,000 $250,000-$300,000
Green Tree Way, Grant Way, Pioneers Rd, Plumosa Ln, Harmony Hill Rd, Landis Ave, Via Palo Alto, Hawks Peak Rd, Ridge Way, Brook Ln $521,000 $450,000 $400,000-$500,000 $467,000 $410,000 $500,000-$600,000
Holiday Dr, Alta Vista Ave, Shell Rd, Morehouse Dr, Oakland Ave, McLaughlin Dr, Pennsylvania Dr, Estrella Ave, Bohnen Rd, Prospect Ave $547,500 $510,000 $500,000-$600,000 $301,500 $280,000 $300,000-$350,000
Breve Ave, Towhee Dr, Lakeview Rd, Roxas St, Seascape Ridge Dr, Peace Ct, Miramar Dr, Gera Dr, Peppertree Ln, 9th Ave $299,500 $240,000 $300,000-$350,000 $209,000 $170,000 $150,000-$175,000

Choose the Best Santa Cruz County, CA Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 500-549 Credit Score <$25,000 No Pets, Non-Smoker $270
Unemployed 700-749 Credit Score No Income More than 3 Pets at home, Smoker $950
Freelancer 800-850 Credit Score $50 to $75,000 2 Pets, Non-Smoker $100

Choose the Right Deductible for your Santa Cruz County, CA Home | Back to Top

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
California $200 $1,650 $1,850 $1,350 $1,550 $300
Santa Cruz County, CA $2,500 $1,810 $2,310 $1,480 $3,980 $-1,670
Santa Cruz County, CA $1,000 $2,270 $2,770 $1,940 $2,940 $-170
Day Valley, CA $100 $2,170 $2,270 $1,780 $1,880 $390
Corralitos, CA $1,500 $1,650 $2,150 $1,400 $2,900 $-750
Los Gatos, CA $300 $1,900 $2,200 $1,560 $1,860 $340
Saratoga, CA $700 $2,760 $3,260 $2,230 $2,930 $330
Cupertino, CA $100 $2,000 $2,100 $1,620 $1,720 $380
Santa Clara County, CA $1,500 $1,690 $2,190 $1,440 $2,940 $-750
Seaside-Monterey, CA $400 $1,960 $2,360 $1,680 $2,080 $280
West Menlo Park, CA $1,000 $2,260 $2,760 $1,920 $2,920 $-160
San Carlos, CA $300 $1,920 $2,220 $1,570 $1,870 $350
Redwood City, CA $2,500 $1,420 $1,920 $1,220 $3,720 $-1,800

Identify Top Home Insurance Agents near Santa Cruz County, CA | Back to Top

Home Insurance Company Santa Cruz County, CA Homeowners Insurance Agency Santa Cruz County, CA Address Popularity Score Distance from Santa Cruz County (miles)
State Farm Aj Abdelkhalek 775 E El Camino Real, Sunnyvale, CA, 94087-2976
23.8
State Farm Holly Labarber 2190 S Bascom Ave, Campbell, CA, 95008-3206
19.2
State Farm Skip Leonard 740 Front St Ste 115, Santa Cruz, CA, 95060-4536
2.8
State Farm Denise Granville 370 San Bruno Ave W Ste G, San Bruno, CA, 94066-3164
48.1
State Farm John Wheeler 2470 Winchester Blvd Ste A, Campbell, CA, 95008-4807
18.6
Farmers Lisa Del Real 1403a N Main St, Salinas, CA, 93906
28.8
Travelers Guardus Insurance Services 5330 Camden Ave, San Jose, CA, 95124
16.8
Travelers Goh Insurance Agency 4047 First St Ste 115, Livermore, CA, 94551
49.1
Farmers Dereck Caso 4990 Speak Ln Ste 250, San Jose, CA, 95118
18.5
State Farm Sammy Yim 1419 Burlingame Ave Ste P, Burlingame, CA, 94010-4119
43.3

Compare Rates for Santa Cruz County, CA Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
California $383,900 $1,610 $1,190 $2,190 $1,000
Santa Cruz County, CA $576,500 $2,190 $1,620 $2,980 $1,360
Santa Cruz County, CA $576,500 $2,310 $1,710 $3,140 $1,430
Day Valley, CA $814,500 $1,710 $1,270 $2,330 $1,060
Corralitos, CA $655,100 $1,310 $970 $1,780 $810
Los Gatos, CA $1,000,001 $2,700 $2,000 $3,670 $1,670
Saratoga, CA $1,000,001 $2,400 $1,780 $3,260 $1,480
Cupertino, CA $1,000,001 $2,900 $2,150 $3,940 $1,790
Santa Clara County, CA $656,600 $1,900 $1,410 $2,580 $1,170
Seaside-Monterey, CA $575,600 $2,070 $1,530 $2,820 $1,290
West Menlo Park, CA $1,000,001 $2,500 $1,850 $3,400 $1,550
San Carlos, CA $927,900 $2,230 $1,650 $3,030 $1,380
Redwood City, CA $770,500 $1,700 $1,260 $2,310 $1,050

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