Gavop's guide to buying homeowners insurance in Montecito, 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 | $307,000 | $260,000 | $250,000-$300,000 |
| 2 Bedroom | $608,500 | $540,000 | $500,000-$600,000 |
| 3 Bedroom | $793,500 | $710,000 | $800,000-$900,000 |
| 4 Bedroom | $1,095,000 | $1,040,000 | More than 10,000,000 |
| 5 Bedroom | $2,523,500 | $2,400,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $808 |
| Superior Protection Discount | -$94 | $846 |
| Fire & Security Discount | -$85 | $855 |
| Hail Resistant Roof Discount | -$28 | $912 |
| Newly Constructed Home Discount | -$188 | $752 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,488 |
| Hail Damage | $4,524 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,386 |
| Home Insurance Company Montecito, CA | Homeowners Insurance Agency Montecito, CA | Address | Popularity Score | Distance from Montecito (miles) |
|---|---|---|---|---|
| State Farm | Bob Daddi | 105 Vallerio Ave, Ojai, CA, 93023-3631 | 20.8 | |
| State Farm | Irene Henry | 1445 Donlon St Ste 8, Ventura, CA, 93003-8388 | 25.6 | |
| State Farm | Moy Serrano | 216 Moorpark Ave Ste 204, Moorpark, CA, 93021-1875 | 44.0 | |
| State Farm | Aquiles Montoya | 143 Figueroa St., Ventura, CA, 93001 | 21.9 | |
| Farmers | Hema Manwani | 4464 Mcgrath St Ste 104, Ventura, CA, 93003 | 25.9 | |
| State Farm | Scott Simmons | 1809 Cliff Dr Ste A, Santa Barbara, CA, 93109-1649 | 5.9 | |
| State Farm | Susan Erkfritz | 1000 Business Cntr Cir Ste 108, Newbury Park, CA, 91320-1238 | 42.7 | |
| State Farm | Barbara Ortiz-Lee | 3481 W 5th St Ste 104, Oxnard, CA, 93030-6400 | 28.9 | |
| Farmers | Thana Robinson | 928 Carpinteria St, Santa Barbara, CA, 93103 | 3.0 | |
| Farmers | Julio Montes | 136 E 5th St Ste D, Oxnard, CA, 93030 | 30.7 |
| 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 Barbara County, CA | $509,400 | $1,374 | $1,020 | $1,870 | $850 |
| Montecito, CA | $2,000,001 | $940 | $700 | $1,280 | $580 |
| Summerland, CA | $1,183,800 | $2,836 | $2,100 | $3,860 | $1,760 |
| Toro Canyon, CA | $1,394,100 | $756 | $560 | $1,030 | $470 |
| Santa Barbara County, CA | $509,400 | $1,374 | $1,020 | $1,870 | $850 |
| San, CA | $493,800 | $1,001 | $740 | $1,360 | $620 |
| Port Hueneme, CA | $356,500 | $791 | $590 | $1,080 | $490 |
| Lake of the Woods, CA | $156,800 | $594 | $440 | $810 | $370 |
| Thousand Oaks, CA | $668,700 | $1,280 | $950 | $1,740 | $790 |
| South Taft, CA | $108,800 | $520 | $380 | $710 | $330 |
| Taft, CA | $150,100 | $1,065 | $790 | $1,450 | $660 |
| Garey, CA | $875,000 | $2,321 | $1,720 | $3,160 | $1,440 |