Gavop's guide to buying homeowners insurance in McKinleyville, 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 | $69,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $155,000 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $251,500 | $210,000 | $250,000-$300,000 |
| 4 Bedroom | $214,500 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $601,500 | $560,000 | $600,000-$700,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$59 | $595 |
| Home and Two Car | -$111 | $542 |
| Home and Three Car | -$163 | $490 |
| 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 |
| Humboldt County | $2,500 | $745 | $3,245 | $541 | $3,041 | $203 |
| McKinleyville, CA | $2,500 | $646 | $3,146 | $469 | $2,969 | $176 |
| Westhaven-Moonstone, CA | $200 | $1,067 | $1,267 | $775 | $975 | $292 |
| Cutten, CA | $2,000 | $798 | $2,798 | $580 | $2,580 | $218 |
| Bayview, CA | $200 | $643 | $843 | $467 | $667 | $176 |
| Arcata, CA | $1,000 | $766 | $1,766 | $557 | $1,557 | $209 |
| Willow Creek, CA | $300 | $759 | $1,059 | $551 | $851 | $207 |
| Willow Creek-Hoopa Valley, CA | $1,500 | $635 | $2,135 | $461 | $1,961 | $174 |
| Burnt Ranch, CA | $100 | $710 | $810 | $516 | $616 | $194 |
| Fortuna, CA | $700 | $688 | $1,388 | $500 | $1,200 | $188 |
| Rio Dell, CA | $100 | $632 | $732 | $460 | $560 | $173 |
| Home Insurance Company McKinleyville, CA | Homeowners Insurance Agency McKinleyville, CA | Address | Popularity Score | Distance from McKinleyville (miles) |
|---|---|---|---|---|
| State Farm | Scott Hammond | 537 7th St, Eureka, CA, 95501-6806 | 11.5 | |
| Travelers | Judy Davis Insurance Services Inc | 1933 Central Ave Ste D, Mckinleyville, CA, 95519 | 1.6 | |
| Farmers | Stephanie Eskra | 9 5th St, Eureka, CA, 95501 | 11.6 | |
| Liberty Mutual Independent | George Petersen Ins-Eureka | 416 E St, Eureka, CA, 95501 | 11.4 | |
| Farmers | Neil Aitken | 3990 Walnut Dr, Eureka, CA, 95503 | 13.1 | |
| Farmers | Craig Hansen | 2103 3rd St, Eureka, CA, 95501 | 10.9 | |
| Liberty Mutual Independent | Harbers Insurance Agency | 210 12th St, Fortuna, CA, 95540 | 25.2 | |
| State Farm | Lisa Fryrear | 333 6th St Ste A, Eureka, CA, 95501-1035 | 11.5 | |
| State Farm | Bill O'Brien Clu, Cpcu, Chfc | 1631 Sutter Rd, Mckinleyville, CA, 95519-4216 | 1.7 | |
| State Farm | Paul Nicholson | 1016 West Ave, Eureka, CA, 95501-1237 | 11.2 |
| 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 |
| Humboldt County, CA | $285,800 | $754 | $560 | $1,030 | $470 |
| McKinleyville, CA | $286,200 | $654 | $480 | $890 | $410 |
| Westhaven-Moonstone, CA | $396,900 | $1,080 | $800 | $1,470 | $670 |
| Cutten, CA | $301,800 | $808 | $600 | $1,100 | $500 |
| Bayview, CA | $200,000 | $651 | $480 | $890 | $410 |
| Arcata, CA | $349,900 | $775 | $570 | $1,050 | $480 |
| Willow Creek, CA | $280,600 | $768 | $570 | $1,040 | $470 |
| Willow Creek-Hoopa Valley, CA | $230,200 | $643 | $480 | $870 | $390 |
| Burnt Ranch, CA | $250,000 | $719 | $530 | $980 | $450 |
| Fortuna, CA | $269,500 | $697 | $520 | $950 | $430 |
| Rio Dell, CA | $191,600 | $640 | $470 | $870 | $400 |