Gavop shows you how to buy homeowners insurance in Livingston, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $68,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $202,500 | $190,000 | $175,000-$200,000 |
| 3 Bedroom | $166,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $371,500 | $320,000 | $350,000-$400,000 |
| 5 Bedroom | $456,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$94 | $496 |
| Superior Protection Discount | -$53 | $537 |
| Fire & Security Discount | -$59 | $531 |
| Hail Resistant Roof Discount | -$12 | $579 |
| Newly Constructed Home Discount | -$142 | $449 |
| 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 |
| Merced County | $1,500 | $619 | $2,119 | $450 | $1,950 | $169 |
| Livingston, CA | $2,000 | $583 | $2,583 | $424 | $2,424 | $159 |
| Delhi, CA | $400 | $955 | $1,355 | $694 | $1,094 | $261 |
| Cressey, CA | $2,000 | $682 | $2,682 | $495 | $2,495 | $186 |
| Atwater, CA | $500 | $625 | $1,125 | $454 | $954 | $171 |
| Diablo Grande, CA | $1,500 | $915 | $2,415 | $665 | $2,165 | $250 |
| Fairmead, CA | $200 | $748 | $948 | $544 | $744 | $204 |
| Coulterville, CA | $500 | $669 | $1,169 | $486 | $986 | $183 |
| Tracy, CA | $1,500 | $1,013 | $2,513 | $737 | $2,237 | $277 |
| Tuolumne City, CA | $200 | $651 | $851 | $473 | $673 | $178 |
| Madera, CA | $1,500 | $626 | $2,126 | $455 | $1,955 | $171 |
| Home Insurance Company Livingston, CA | Homeowners Insurance Agency Livingston, CA | Address | Popularity Score | Distance from Livingston (miles) |
|---|---|---|---|---|
| Travelers | Bellevue Insurance Agency | 574 E Bellevue Rd, Atwater, CA, 95301 | 7.6 | |
| Farmers | Anamarie Emery | 4598 S Tracy Blvd Ste 100, Tracy, CA, 95377 | 44.5 | |
| Farmers | Carolyn King | 149 S Shepherd St, Sonora, CA, 95370 | 45.2 | |
| Travelers | Ritter Insurance Agency Inc | 2880 Blvd #1, Tracy, CA, 95376 | 46.6 | |
| Allstate | Steve Richardson | 2012 W Monte Vista Ave, Turlock, CA, 95382 | 12.3 | |
| State Farm | Jim Uhlenhop | 229 E 11th St, Tracy, CA, 95376-4015 | 45.3 | |
| Allstate | Jinhai Fu | 840 W Olive Ave Ste E, Merced, CA, 95348 | 14.1 | |
| State Farm | Crystal Downs | 259 N Main Street, Manteca, CA, 95336-4632 | 39.2 | |
| State Farm | Michael Passarelli | 1404 Main St, Newman, CA, 95360-1316 | 17.1 | |
| State Farm | Bob Hosier | 359 W 11th St Ste E, Tracy, CA, 95376-3864 | 45.8 |
| 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 |
| Merced County, CA | $196,200 | $627 | $460 | $850 | $390 |
| Livingston, CA | $187,500 | $591 | $440 | $800 | $360 |
| Delhi, CA | $161,600 | $967 | $720 | $1,310 | $590 |
| Cressey, CA | $229,300 | $690 | $510 | $940 | $430 |
| Atwater, CA | $200,500 | $632 | $470 | $860 | $390 |
| Diablo Grande, CA | $351,100 | $926 | $690 | $1,260 | $570 |
| Fairmead, CA | $274,000 | $757 | $560 | $1,030 | $470 |
| Coulterville, CA | $219,600 | $677 | $500 | $920 | $420 |
| Tracy, CA | $402,700 | $1,026 | $760 | $1,400 | $640 |
| Tuolumne City, CA | $206,100 | $659 | $490 | $900 | $410 |
| Madera, CA | $201,600 | $633 | $470 | $860 | $390 |