Gavop's guide to buying homeowners insurance in Cotati, 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 | $126,000 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $218,500 | $190,000 | $175,000-$200,000 |
| 3 Bedroom | $485,000 | $450,000 | $500,000-$600,000 |
| 4 Bedroom | $623,500 | $570,000 | $600,000-$700,000 |
| 5 Bedroom | $1,046,000 | $850,000 | $800,000-$900,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$78 | $899 |
| Home and Two Car | -$156 | $821 |
| Home and Three Car | -$234 | $742 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,537 |
| Hail Damage | $4,806 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,386 |
| Home Insurance Company Cotati, CA | Homeowners Insurance Agency Cotati, CA | Address | Popularity Score | Distance from Cotati (miles) |
|---|---|---|---|---|
| State Farm | Mary Zell Spellman | 318 West Portal Ave, San Francisco, CA, 94127-1412 | 42.8 | |
| State Farm | Alan Naguit | 333 Gellert Blvd Ste 101, Daly City, CA, 94015-2614 | 47.5 | |
| State Farm | Kendra Cochran | 800 De Long Ave, Novato, CA, 94945-3246 | 17.2 | |
| State Farm | Michael King | 1610 Tiburon Blvd Ste 101, Tiburon, CA, 94920-2551 | 34.2 | |
| State Farm | Jill Cash | 2809 Telegraph Ave, Berkeley, CA, 94705-1166 | 40.6 | |
| State Farm | Fillia Fransisca | 2315 Noriega Street, San Francisco, CA, 94122-4239 | 41.4 | |
| Farmers | Louis Jenkins | 73b Saint James Dr, Santa Rosa, CA, 95403 | 12.2 | |
| Farmers | Alan Palfi | 919 Sir Francis Drake Blvd Ste 203a, Kentfield, CA, 94904 | 27.3 | |
| State Farm | Jake Ng | 1643 Noriega Street, San Francisco, CA, 94122 | 41.5 | |
| Farmers | Amy Gee | 2390 20th Ave # 210, San Francisco, CA, 94116 | 42.3 |
| 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 |
| Sonoma County, CA | $513,300 | $1,383 | $1,020 | $1,880 | $860 |
| Cotati, CA | $458,400 | $977 | $720 | $1,330 | $610 |
| Bodega, CA | $1,564,500 | $552 | $410 | $750 | $340 |
| Bodega Bay, CA | $723,200 | $2,014 | $1,490 | $2,740 | $1,250 |
| Marin County, CA | $908,800 | $1,199 | $890 | $1,630 | $740 |
| Napa, CA | $538,800 | $1,438 | $1,060 | $1,960 | $900 |
| Hidden Valley Lake, CA | $257,000 | $678 | $500 | $920 | $420 |
| Vacaville, CA | $367,700 | $937 | $690 | $1,270 | $580 |
| Clearlake, CA | $96,600 | $1,046 | $770 | $1,420 | $650 |
| Broadmoor, CA | $674,900 | $1,909 | $1,410 | $2,600 | $1,190 |
| Colma, CA | $616,200 | $1,778 | $1,320 | $2,420 | $1,100 |