Gavop's guide to buying homeowners insurance in Rio del Mar, 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.
| Rio del Mar, 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 | |
| Vista Grande Dr, Dry Creek Rd, Provincetown Ct, Palo Alto Pl, Clubhouse Dr, Driftwood Ct, Thunderbird Dr, Day Valley Rd, Baltusrol Way, Pinehurst Way | $649,000 | $550,000 | $500,000-$600,000 | $347,000 | $290,000 | $300,000-$350,000 |
| Baltusrol Way, Pinehurst Dr, Brea Ct, Palo Verde Ct, Seascape Blvd, Via Lantana, Murray Ave, Trout Gulch Rd, McKay Rd, Monroe Ave | $472,500 | $410,000 | $500,000-$600,000 | $484,000 | $400,000 | $400,000-$500,000 |
| Esplanade, Via la Jolla, Bayview Dr, Toledo Dr, Earl Ct, Bryce Ct, Spyglass Way, Arroyo del Mar Ct, Pebble Beach Dr, Montero Ct | $450,000 | $380,000 | $400,000-$500,000 | $275,000 | $240,000 | $300,000-$350,000 |
| Bonita Dr, Casa Linda, Via Pacifica, Locke Dr, Lagunitas Ct, Martin Dr, Hyannis Ct, Aptos School Rd, Lyon Ave, Pso Ballena | $615,500 | $500,000 | $600,000-$700,000 | $517,500 | $450,000 | $500,000-$600,000 |
| Bow Spirit Dr, Jaunell Ave, Loyola Dr, Sumner Ave, Knollwood Dr, View Ct, Winfield Way, la Honda Ct, Encino Dr, Trailwood Way | $573,000 | $520,000 | $500,000-$600,000 | $412,500 | $340,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$92 | $1,055 |
| Home and Two Car | -$195 | $952 |
| Home and Three Car | -$275 | $872 |
| 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 |
| Santa Cruz County | $700 | $1,251 | $1,951 | $909 | $1,609 | $342 |
| Rio del Mar, CA | $2,500 | $1,133 | $3,633 | $824 | $3,324 | $310 |
| Aptos Hills-Larkin Valley, CA | $100 | $2,090 | $2,190 | $1,519 | $1,619 | $571 |
| Watsonville, CA | $2,500 | $1,216 | $3,716 | $883 | $3,383 | $332 |
| Corralitos, CA | $100 | $2,307 | $2,407 | $1,677 | $1,777 | $630 |
| Las Lomas, CA | $1,000 | $1,197 | $2,197 | $870 | $1,870 | $327 |
| Gilroy, CA | $2,500 | $1,364 | $3,864 | $991 | $3,491 | $373 |
| Monte Sereno, CA | $400 | $815 | $1,215 | $592 | $992 | $223 |
| Los Altos Hills, CA | $1,500 | $931 | $2,431 | $677 | $2,177 | $255 |
| Belmont, CA | $500 | $925 | $1,425 | $672 | $1,172 | $253 |
| Foster City, CA | $2,500 | $1,179 | $3,679 | $857 | $3,357 | $322 |
| Home Insurance Company Rio del Mar, CA | Homeowners Insurance Agency Rio del Mar, CA | Address | Popularity Score | Distance from Rio del Mar (miles) |
|---|---|---|---|---|
| State Farm | Chris Buich | 2222 E Cliff Dr Ste 200, Santa Cruz, CA, 95062-4739 | 6.4 | |
| State Farm | Jerry Selvitella | 117 N San Mateo Dr Ste 3, San Mateo, CA, 94401-2708 | 48.7 | |
| Travelers | Paul R Nadler Insurance Services | 1560 Laurel St 200, San Carlos, CA, 94070 | 42.1 | |
| State Farm | Greg Pond | 455 Los Gatos Blvd Ste 205, Los Gatos, CA, 95032-5523 | 19.2 | |
| State Farm | Brian Moos | 39159 Paseo Padre Pkwy Ste 109, Fremont, CA, 94538-1600 | 41.4 | |
| Travelers | Guardus Insurance Services | 5330 Camden Ave, San Jose, CA, 95124 | 19.6 | |
| Farmers | Dave Molinari | 6110 Camino Verde Dr Ste 5, San Jose, CA, 95119 | 19.8 | |
| State Farm | Eva Martin-Long | 10011 N Foothill Blvd Ste 111, Cupertino, CA, 95014-5649 | 27.1 | |
| Farmers | Steven Manville | 9045 Soquel Dr Ste 1, Aptos, CA, 95003 | 1.3 | |
| State Farm | Benson Ng | 3410 Stevens Crk Blvd Ste 200, San Jose, CA, 95117-1058 | 25.5 |
| 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 |
| Santa Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Rio del Mar, CA | $831,200 | $1,147 | $850 | $1,560 | $710 |
| Aptos Hills-Larkin Valley, CA | $771,500 | $2,115 | $1,570 | $2,880 | $1,310 |
| Watsonville, CA | $457,200 | $1,230 | $910 | $1,670 | $760 |
| Corralitos, CA | $882,500 | $2,335 | $1,730 | $3,180 | $1,450 |
| Las Lomas, CA | $427,500 | $1,212 | $900 | $1,650 | $750 |
| Gilroy, CA | $583,900 | $1,380 | $1,020 | $1,880 | $860 |
| Monte Sereno, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Los Altos Hills, CA | $2,000,001 | $943 | $700 | $1,280 | $580 |
| Belmont, CA | $1,174,200 | $936 | $690 | $1,270 | $580 |
| Foster City, CA | $1,051,000 | $1,193 | $880 | $1,620 | $740 |