Gavop's guide to buying homeowners insurance in Los Gatos, 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.
| Los Gatos, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Goebel Ct, Bersano Ln, Loma Alta Ave, Horseshoe Dr, N Santa Cruz Ave, Kennedy Rd, Drakes Bay Ave, Old Orchard Ct, el Corto, Happy Acres Rd | $632,500 | $580,000 | $600,000-$700,000 | $1,148,500 | $930,000 | More than 10,000,000 |
| Top of the Hill Rd, Alamitos Rd, Inwood Dr, Pine Trl, Ixias Ct, Emiline Dr, Belwood Ln, Nez Perce Trl, Summerwood Dr, Ash Ct | $884,000 | $840,000 | More than 10,000,000 | $1,138,500 | $1,050,000 | $900,000-$1,000,000 |
| Aeronaut Way, Chadbourne Ln, Linda Vista Ave, Oak Dr, Kennedy Rd, Palos Verdes Dr, Gardner Ln, Avon Ln, Azalea Way, Hollycrest Dr | $983,000 | $920,000 | $800,000-$900,000 | $1,315,500 | $1,110,000 | More than 10,000,000 |
| Elester Dr, Fawn Ct, Chester St, Via Palomino, Las Flores Ln, Riverdale Dr, Theresa Ave, Karl Ave, Fairview Ave, Arbolado Way | $1,217,000 | $1,030,000 | More than 10,000,000 | $915,000 | $850,000 | More than 10,000,000 |
| Farley Rd, Gum Tree Ln, Sharon Ln, Crow Trl, Cypress Way, Fern Ave, Montebello Way, Arnerich Hill Rd, el Puente Way, Knowles Dr | $677,500 | $580,000 | $600,000-$700,000 | $882,500 | $800,000 | $800,000-$900,000 |
| Laurinda Dr, S Santa Cruz Ave, Peony Ln, Longridge Rd, Raineri Ln, el Porton, Woodbank Way, Summit Rd, Topping Way, Lark Ave | $712,500 | $640,000 | $500,000-$600,000 | $1,066,000 | $910,000 | $900,000-$1,000,000 |
| Oleander Ave, Boyer Ln, Brewster Ave, Chippendale Ct, Blossom Terrace Ct, Becky Ln, Irma Lyle Dr, Dorothy Way, Vale Ave, Cross Way | $743,000 | $670,000 | $600,000-$700,000 | $833,500 | $770,000 | $700,000-$800,000 |
| Cherry Hill Ct, Encina Ct, Wild Way, Dover St, Laura Dr, Lucky Rd, Spring Brook Ln, Old Wood Rd, Alcott Way, Toyon Dr | $954,500 | $810,000 | $800,000-$900,000 | $721,500 | $660,000 | $500,000-$600,000 |
| Nimrick Ln, W Main St, Montewood Dr, Puesta del Sol, Larga Vista Dr, Bean Ave, Shire Ct, Cherry Wood Ct, Almond Hill Ct, Spreckels Ave | $560,000 | $460,000 | $500,000-$600,000 | $974,000 | $840,000 | $800,000-$900,000 |
| Gypsy Hill Rd, Cobblestone Dr, Burrows Rd, Wild Oak Way, San Benito Ave, Bear Creek Rd, Okanogan Ct, Sund Ave, Ave Cresta, Brooklyn Ave | $986,500 | $800,000 | $800,000-$900,000 | $1,536,000 | $1,340,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$179 | $763 |
| Superior Protection Discount | -$94 | $848 |
| Fire & Security Discount | -$66 | $876 |
| Hail Resistant Roof Discount | -$28 | $913 |
| Newly Constructed Home Discount | -$235 | $706 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,344 |
| Hail Damage | $4,806 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $15,884 |
| Home Insurance Company Los Gatos, CA | Homeowners Insurance Agency Los Gatos, CA | Address | Popularity Score | Distance from Los Gatos (miles) |
|---|---|---|---|---|
| Travelers | Alegrity Insurance Agency Llc | 274 E Hamilton Ave Ste G, Campbell, CA, 95008 | 4.2 | |
| State Farm | Aj Abdelkhalek | 775 E El Camino Real, Sunnyvale, CA, 94087-2976 | 9.4 | |
| Farmers | Robert Chang | 257 Castro St Ste 105, Mountain View, CA, 94041 | 13.1 | |
| State Farm | John Wheeler | 2470 Winchester Blvd Ste A, Campbell, CA, 95008-4807 | 3.1 | |
| State Farm | Tami Pratt | 360 Kiely Blvd Ste 125, San Jose, CA, 95129-1300 | 6.2 | |
| State Farm | Joe Frangieh | 120 W Campbell Ave Ste A, Campbell, CA, 95008-1044 | 3.7 | |
| State Farm | Kathy Barber | 5615 Cottle Rd, San Jose, CA, 95123-3625 | 8.2 | |
| Farmers | Scott Halbrook | 1433 Leimert Blvd, Oakland, CA, 94602 | 42.4 | |
| Farmers | Al Chavez | 4820 Harwood Rd Ste 150, San Jose, CA, 95124 | 2.4 | |
| Farmers | Xochitl Nino | 4340 Almaden Expy Ste 210, San Jose, CA, 95118 | 4.6 |
| 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 Clara County, CA | $829,600 | $1,507 | $1,110 | $2,050 | $940 |
| Los Gatos, CA | $1,476,700 | $942 | $700 | $1,280 | $580 |
| Ladera, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Atherton, CA | $2,000,001 | $944 | $700 | $1,280 | $580 |
| Pajaro, CA | $507,200 | $1,059 | $780 | $1,440 | $660 |
| Fairview, CA | $547,200 | $1,013 | $750 | $1,380 | $630 |
| Castroville, CA | $379,000 | $852 | $630 | $1,160 | $530 |
| San Ramon, CA | $863,800 | $1,552 | $1,150 | $2,110 | $960 |
| Sand City, CA | $575,000 | $1,683 | $1,250 | $2,290 | $1,040 |
| Del Monte Forest, CA | $1,170,600 | $2,817 | $2,080 | $3,830 | $1,750 |
| San Miguel, CA | $1,034,400 | $2,606 | $1,930 | $3,540 | $1,610 |