How Can I Make My Santa Cruz, CA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Santa Cruz, 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, CA Home Insurance Coverage Levels | Back to Top
| Santa Cruz, CA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Woodland Way, Morrissey Blvd, Via Novella, Hagemann Ct, Rockridge Ct, Peoples Ln, Vista Mar Ct, Newell Dr, San Lorenzo Blvd, Trailwood Way | $615,000 | $510,000 | $500,000-$600,000 | $871,000 | $700,000 | $800,000-$900,000 |
| Jarvis Rd, Fox Ct, Columbus Dr, Evergreen St, Laurel Glen Rd, Middlefield Dr, Trescony St, Pebble Beach Ct, Sugar Pine Rd, Mount Vista Ct | $234,000 | $210,000 | $200,000-$250,000 | $367,500 | $300,000 | $300,000-$350,000 |
| Pinehurst Dr, Castillo Ct, King St, Hidden Dr, Byer Ct, Arroyo del Mar Ct, McKay Rd, Margaret Ave, 34th Ave, Merced Ave | $596,500 | $560,000 | $600,000-$700,000 | $708,500 | $570,000 | $700,000-$800,000 |
| Market St, Day Ct, Ridge Ln, del Rio Cir, Goat Moth Hill, 30th Ave, Angela Dr, Storey St, Madrone St, Market St | $529,500 | $480,000 | $500,000-$600,000 | $523,000 | $460,000 | $600,000-$700,000 |
| Shaffer Rd, Willowbrook Ln, Christel Oaks Dr, Mallory Ln, Newport Ave, 3rd St, English Dr, Yardarm Ct, Weston Rd, Villa Mar Vis | $456,500 | $390,000 | $400,000-$500,000 | $324,000 | $300,000 | $250,000-$300,000 |
| Seacliff Dr E, Garden St, Rina Ct, Gay Rd, Harborview Ct, Pleasant Way, Jade Ln, Phelan Ct, Marina Ave, Aviator Ct | $441,500 | $410,000 | $400,000-$500,000 | $552,000 | $500,000 | $600,000-$700,000 |
| St Andrews Dr, Whispering Palms Dr, Shake Tree Ln, Annie Ln, Sherman Ct, Post Office Rd, Princeton St, Palomino Way, King St, Van Ness Ave | $364,000 | $340,000 | $350,000-$400,000 | $739,000 | $670,000 | $600,000-$700,000 |
| Oak Ln, Western Dr, Pso Farrallon, Coast Rd, Rooney St, Lundy Ln, Woolpert Way, Hacienda Dr, Chardonnay Ridge Rd, Sycamore St | $316,000 | $270,000 | $250,000-$300,000 | $486,000 | $390,000 | $500,000-$600,000 |
| Brea Ct, Hanover St, N Branciforte Ave, Sandbrook Ln, Mary Case Ln, Clubhouse Dr, Hambleton Ln, Gross Rd, Mello Ln, Olson Rd | $574,500 | $520,000 | $500,000-$600,000 | $667,500 | $610,000 | $500,000-$600,000 |
| Oriole Ln, Happy Valley Rd, Treasure Island Dr, Heather Ct, Jocelyn Ct, Spanish Bay Dr, Wharf Rd, Graham Hill Rd, Green Acres Ct, Windsor St | $713,000 | $570,000 | $800,000-$900,000 | $692,000 | $600,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Santa Cruz, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$232 | $1,133 |
| Superior Protection Discount | -$123 | $1,243 |
| Fire & Security Discount | -$137 | $1,229 |
| Hail Resistant Roof Discount | -$27 | $1,338 |
| Newly Constructed Home Discount | -$355 | $1,010 |
Choose the Right Deductible for your Santa Cruz, 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 |
| Santa Cruz County | $700 | $1,251 | $1,951 | $909 | $1,609 | $342 |
| Santa Cruz, CA | $1,500 | $1,349 | $2,849 | $980 | $2,480 | $369 |
| Live Oak, CA | $200 | $965 | $1,165 | $701 | $901 | $264 |
| Day Valley, CA | $1,000 | $2,179 | $3,179 | $1,583 | $2,583 | $595 |
| Zayante, CA | $400 | $1,311 | $1,711 | $953 | $1,353 | $358 |
| Campbell, CA | $700 | $1,560 | $2,260 | $1,134 | $1,834 | $426 |
| Loyola, CA | $300 | $815 | $1,115 | $592 | $892 | $223 |
| Del Rey Oaks, CA | $1,500 | $1,586 | $3,086 | $1,152 | $2,652 | $433 |
| East Foothills, CA | $100 | $1,134 | $1,234 | $824 | $924 | $310 |
| Emerald Lake Hills, CA | $2,500 | $780 | $3,280 | $567 | $3,067 | $213 |
| Gonzales, CA | $100 | $705 | $805 | $512 | $612 | $193 |
| Cherryland, CA | $2,500 | $801 | $3,301 | $582 | $3,082 | $219 |
Identify Top Home Insurance Agents near Santa Cruz, CA | Back to Top
| Home Insurance Company Santa Cruz, CA | Homeowners Insurance Agency Santa Cruz, CA | Address | Popularity Score | Distance from Santa Cruz (miles) |
|---|---|---|---|---|
| State Farm | Laura Peterson | 16795 Lark Ave Ste 108, Los Gatos, CA, 95032-7691 | 19.5 | |
| Allstate | David Tofig | 6116 Camino Verde Dr Ste 9, San Jose, CA, 95119 | 20.7 | |
| State Farm | Ilda Mitchel | 5988 Silver Crk Vly Rd Ste 60, San Jose, CA, 95138-1077 | 22.4 | |
| State Farm | Curtis Cahill | 988 El Monte Ave, Mountain View, CA, 94040-2355 | 29.7 | |
| State Farm | Ed Bright | 1151 Arroyo Ave, San Carlos, CA, 94070-3908 | 39.8 | |
| State Farm | Mike Mccauley | 1044 41st Ave, Santa Cruz, CA, 95062-4447 | 0.6 | |
| State Farm | Craig Ichiuji | 461 1st Ave, San Mateo, CA, 94401-3202 | 45.4 | |
| State Farm | Lauren Foos | 2959 Park Ave Ste B, Soquel, CA, 95073-2863 | 2.5 | |
| State Farm | Renee Davidson | 9515 Soquel Dr Ste 101, Aptos, CA, 95003-4136 | 5.0 | |
| State Farm | Mike Soutas | 14120 Blossom Hill Rd, Los Gatos, CA, 95032-5118 | 18.6 |
Compare Rates for Santa Cruz, 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 |
| Santa Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Santa Cruz, CA | $727,400 | $1,366 | $1,010 | $1,860 | $850 |
| Live Oak, CA | $622,600 | $977 | $720 | $1,330 | $610 |
| Day Valley, CA | $815,700 | $2,205 | $1,630 | $3,000 | $1,370 |
| Zayante, CA | $450,000 | $1,327 | $980 | $1,800 | $820 |
| Campbell, CA | $884,600 | $1,579 | $1,170 | $2,150 | $980 |
| Loyola, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Del Rey Oaks, CA | $541,900 | $1,605 | $1,190 | $2,180 | $990 |
| East Foothills, CA | $767,700 | $1,148 | $850 | $1,560 | $710 |
| Emerald Lake Hills, CA | $1,547,300 | $790 | $580 | $1,070 | $490 |
| Gonzales, CA | $320,900 | $713 | $530 | $970 | $440 |
| Cherryland, CA | $364,100 | $811 | $600 | $1,100 | $500 |
Research Home Insurance Companies Reviews in Santa Cruz, CA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 26, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
The insurance company is good and affordable for me and my small apartment. They have a good customer service, and always keeps me up to date with anything changes.
Date: December 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I have not had to file a claim yet but so far my experience with them has been fine. I was able to get my policy setup easily enough with the help of our local representative. Having the local rep that I could visit and get it done was part of the reason I chose them.
Date: September 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
It is easy to use. easy to navigate and integrates my other policies with them all into one place. The information is very accessible as are most tasks I would want to perform.
Date: September 15, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Replacement cost for the house and detached garage. We also have a replacement for contents. We have some liability and medical protection as well.
Date: September 08, 2018 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
The customer service at the agent level is awful. They only care about selling you more stuff. The customer service at the claim center level is actually pretty good. I have nothing but nice things to say about the corporate level staff relating to the claims process.
Date: September 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
There is really not much interaction with my insurance company other than mailers wanting more of my business. I guess getting the annual calendar magnet from the agent is supposed to be enough to keep my business with them.
Date: August 26, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The premium is not bad when compared to other companies. It is a little more expensive, but it is close enough that I decide to keep it as opposed to changing to a new company with unknowns of how they handle claims.
Date: August 15, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
When we originally bought it it was not the cheapest but it was in the lower 25% and we like the company/
Date: July 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
Every time I have ever had to call and ask a question or bring up a problem people have been helpful and friendly. Never filed a claim.
Date: May 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
I like that the website gives you a lot of resource information as to the steps to take when dealing with a claim. It also gives you links to articles that relate to homeownership.
Date: January 04, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
The interaction is fine. I have never really had many opportunities or the need to interact besides paying premiums to them/
Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
My home owner's insurance policy covers replacement of dwelling, loss of use, personal liability, medical payments to others, identity restoration, jewelry, sewer, and drains back up and increased dwelling coverage.
MetLife Home Insurance Reviews
Date: September 23, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I have a direct line for our agent and their email. they always get back to me in an efficient manner with great information on our question or a clear plan on how to get the information we are seeking.
Date: September 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
electronics, countertops, firearms, bodily harm by damage or noncompliance, fire, landslide, outbuilding with electric and insulation, animals
Date: August 21, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Website/App
I like the user-friendly interface, the easy to find data, layout, color scheme, clear links, the data on all insurance types that they provide when in home insurance part they clearly define coverage options and numbers to call for each type, they offer a bundle and save option.
Date: July 29, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
We have 'shopped around' and the premiums we get quotes are far above ours and don't include landslide insurance. And, our premium is taken out of my husband's paycheck before taxes; which isn't offered by other companies at this time.
Date: May 07, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
They are friendly, efficient, and quick with their communication. We have also had a relationship with our agent as they know us by name and us by theirs its not a call center luck of the draw situation.
Century National Home Insurance Reviews
Date: October 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
The website provides everything I need. I can check the policy coverages and pay my bills online. That's all I need.
Date: September 16, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
I like that they are not pushy about constant advertising or trying to get me to buy coverages for other kinds of policies.
Date: August 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
My mobile home is covered for replacement value. My possessions are covered for replacement also.
Date: August 11, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
Just a few months ago I compared the premiums from several different companies and this company has the lowest premium with the best coverages.
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
The only time I have used the companies customer service was with a billing problem. The representative was professional, kind and helpful all rolled into one. My problem was solved with one call.
Allstate Home Insurance Reviews
Date: October 16, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Home insurance rates are dependent upon a great number of factors, including the location of the home being insured and a policyholder’s previous claim history.
Date: July 27, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I have experienced very good home insurance service. I would like to have more contact than I do now though
Date: April 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
The offerings were better than most other providers. I did a quick comparison with other providers and I worked with an insurance agent who got me the best policy for the best value.
Date: October 21, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Website/App
It doesn't seem to be completely user friendly in that you have to search more for what particular areas of interest you are looking for, I would like a simpler layout of subject headings.
Mercury Home Insurance Reviews
Date: November 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I was satisfied that they were able to meet my apartment renters insurance needs without breaking bank and even though my monthly premium increased a bit, it's still reasonable and still corresponds with apartment regulations.
Nationwide Home Insurance Reviews
Date: February 05, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
The premium and deductible are the very similar to other companies i checked with when I started my policy with Nationwide.