How Can I Make My Atascadero, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Atascadero, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Atascadero, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $101,500 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $251,500 | $240,000 | $250,000-$300,000 |
| 3 Bedroom | $345,000 | $300,000 | $250,000-$300,000 |
| 4 Bedroom | $323,500 | $280,000 | $350,000-$400,000 |
| 5 Bedroom | $600,500 | $520,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Atascadero, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$238 | $1,014 |
| Superior Protection Discount | -$125 | $1,127 |
| Fire & Security Discount | -$125 | $1,127 |
| Hail Resistant Roof Discount | -$38 | $1,214 |
| Newly Constructed Home Discount | -$275 | $976 |
Choose the Right Deductible for your Atascadero, 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 |
| San Luis Obispo County | $1,000 | $1,460 | $2,460 | $1,061 | $2,061 | $399 |
| Atascadero, CA | $2,500 | $1,237 | $3,737 | $899 | $3,399 | $338 |
| Sisquoc, CA | $300 | $737 | $1,037 | $536 | $836 | $201 |
| Santa Maria, CA | $2,500 | $824 | $3,324 | $599 | $3,099 | $225 |
| Lost Hills, CA | $300 | $519 | $819 | $377 | $677 | $142 |
| Guadalupe, CA | $700 | $623 | $1,323 | $453 | $1,153 | $170 |
| Casmalia, CA | $1,000 | $604 | $1,604 | $439 | $1,439 | $165 |
| Templeton, CA | $300 | $1,023 | $1,323 | $743 | $1,043 | $279 |
| Morro Bay, CA | $700 | $983 | $1,683 | $714 | $1,414 | $269 |
| Smith Corner, CA | $500 | $597 | $1,097 | $434 | $934 | $163 |
| Cayucos, CA | $2,500 | $1,985 | $4,485 | $1,442 | $3,942 | $542 |
Identify Top Home Insurance Agents near Atascadero, CA | Back to Top
| Home Insurance Company Atascadero, CA | Homeowners Insurance Agency Atascadero, CA | Address | Popularity Score | Distance from Atascadero (miles) |
|---|---|---|---|---|
| Travelers | E C Loomis & Son Insurance Assoc | 220 Traffic Way, Arroyo Grande, CA, 93420 | 30.9 | |
| State Farm | Steve Weber | 526 Spring St, Paso Robles, CA, 93446-3170 | 42.0 | |
| State Farm | Rick Goree | 1947 Spring St, Paso Robles, CA, 93446-1619 | 42.7 | |
| State Farm | Rob Railsback | 340 James Way Ste 230, Pismo Beach, CA, 93449-2880 | 33.1 | |
| State Farm | Kathy Herm | 1056 Kern St, Taft, CA, 93268-2743 | 35.4 | |
| Farmers | Sergio Zepeda | 310 W Main St, Santa Maria, CA, 93458 | 31.0 | |
| Farmers | Breven Baima | 1750 El Camino Real Ste D, Grover Beach, CA, 93433 | 32.6 | |
| State Farm | Nancy Boster | 1100 S Broadway, Santa Maria, CA, 93454-6608 | 31.5 | |
| State Farm | Ramona Herrera | 551 Central Ave, Shafter, CA, 93263-2121 | 47.5 | |
| Allstate | Andrew Cox | 11555 Los Osos Vly Rd Ste 110, San Luis Obispo, CA, 93405 | 35.2 |
Compare Rates for Atascadero, CA Home Insurance Providers | Back to Top
| 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 |
| San Luis Obispo County, CA | $499,800 | $1,478 | $1,090 | $2,010 | $920 |
| Atascadero, CA | $461,300 | $1,252 | $930 | $1,700 | $770 |
| Sisquoc, CA | $267,500 | $746 | $550 | $1,010 | $460 |
| Santa Maria, CA | $325,800 | $834 | $620 | $1,130 | $510 |
| Lost Hills, CA | $112,000 | $525 | $390 | $710 | $320 |
| Guadalupe, CA | $220,500 | $631 | $470 | $860 | $390 |
| Casmalia, CA | $169,000 | $611 | $450 | $830 | $380 |
| Templeton, CA | $472,200 | $1,035 | $770 | $1,410 | $640 |
| Morro Bay, CA | $535,300 | $995 | $740 | $1,350 | $610 |
| Smith Corner, CA | $163,900 | $604 | $450 | $820 | $370 |
| Cayucos, CA | $720,900 | $2,009 | $1,490 | $2,730 | $1,240 |
Research Home Insurance Companies Reviews in Atascadero, CA Before Buying | Back to Top
Share a review on your home insurance company
Farmer's Insurance Home Insurance Reviews
Date: July 06, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Policy Offerings
Farmer's Insurance is stirring up a lot of commotion “reversing the traditional insurance model.” Its homeowners’ insurance model really does something revolutionary with its services.
State Farm Home Insurance Reviews
Date: September 17, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
We recently had a leak in our kitchen sink that went undetected. Water ran through the wall and down to our finished basement. We noticed the problem when the carpet in the basement showed wetness.
GEICO Home Insurance Reviews
Date: October 06, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
GEICO offers a number of different deductible options which is beneficial to those of us who don't want a 'one size fits all' plan. They seemed to offer more options than many other carriers.