How Can I Make My Eureka, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Eureka, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Eureka, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $85,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $165,500 | $140,000 | $175,000-$200,000 |
| 3 Bedroom | $211,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $386,500 | $330,000 | $400,000-$500,000 |
| 5 Bedroom | $632,000 | $510,000 | $700,000-$800,000 |
Estimate your Savings with Home Insurance Discounts in Eureka, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $614 |
| Superior Protection Discount | -$64 | $650 |
| Fire & Security Discount | -$79 | $635 |
| Hail Resistant Roof Discount | -$21 | $693 |
| Newly Constructed Home Discount | -$164 | $550 |
Choose your Eureka, CA Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,319 |
| Hail Damage | $4,665 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,386 |
Identify Top Home Insurance Agents near Eureka, CA | Back to Top
| Home Insurance Company Eureka, CA | Homeowners Insurance Agency Eureka, CA | Address | Popularity Score | Distance from Eureka (miles) |
|---|---|---|---|---|
| State Farm | Scott Hammond | 537 7th St, Eureka, CA, 95501-6806 | 7.2 | |
| Travelers | Judy Davis Insurance Services Inc | 1933 Central Ave Ste D, Mckinleyville, CA, 95519 | 15.9 | |
| Farmers | Stephanie Eskra | 9 5th St, Eureka, CA, 95501 | 7.4 | |
| Liberty Mutual Independent | George Petersen Ins-Eureka | 416 E St, Eureka, CA, 95501 | 7.3 | |
| Farmers | Neil Aitken | 3990 Walnut Dr, Eureka, CA, 95503 | 4.8 | |
| Farmers | Craig Hansen | 2103 3rd St, Eureka, CA, 95501 | 7.1 | |
| Liberty Mutual Independent | Harbers Insurance Agency | 210 12th St, Fortuna, CA, 95540 | 8.6 | |
| State Farm | Lisa Fryrear | 333 6th St Ste A, Eureka, CA, 95501-1035 | 7.3 | |
| State Farm | Paul Nicholson | 1016 West Ave, Eureka, CA, 95501-1237 | 6.7 | |
| State Farm | Bill O'Brien Clu, Cpcu, Chfc | 1631 Sutter Rd, Mckinleyville, CA, 95519-4216 | 15.6 |
Compare Rates for Eureka, 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 |
| Humboldt County, CA | $285,800 | $754 | $560 | $1,030 | $470 |
| Eureka, CA | $261,500 | $714 | $530 | $970 | $440 |
| Pine Hills, CA | $298,200 | $801 | $590 | $1,090 | $500 |
| Bayview, CA | $200,000 | $651 | $480 | $890 | $410 |
| Myrtletown, CA | $270,600 | $751 | $560 | $1,020 | $460 |
| Humboldt County, CA | $285,800 | $754 | $560 | $1,030 | $470 |
| Arcata, CA | $349,900 | $775 | $570 | $1,050 | $480 |
| Rio Dell, CA | $191,600 | $640 | $470 | $870 | $400 |
| McKinleyville, CA | $286,200 | $654 | $480 | $890 | $410 |
| Fieldbrook, CA | $428,000 | $1,214 | $900 | $1,650 | $750 |
| Ferndale, CA | $368,300 | $978 | $720 | $1,330 | $610 |
| Willow Creek, CA | $280,600 | $768 | $570 | $1,040 | $470 |
Research Home Insurance Companies Reviews in Eureka, CA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: January 04, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Allstate has so many great offerings. I love that they have accident forgiveness and also offer no raises in premiums when you do file a claim. I know a lot of companies will raise your premiums for claims.
Date: October 21, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
My deductible is a little bit higher than other policies, but this is something I chose myself so that I could reduce my payments. I am happy with it as it is.
Farmer's Insurance Home Insurance Reviews
Date: December 24, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Their offerings are the same as other insurers I consulted, but their service and helpfulness makes their services seem unique.
Date: June 16, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Premium
The premium is outrageously high. It takes almost 30 percent of the price factored in my mortgage payment. The deductible, in my opinion, is too high as well.
Progressive Home Insurance Reviews
Date: October 10, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
They made getting a rental car a breeze and have been in contact with me almost every day. They also worked with the collision center fixing my car and it will be complete sometime next week instead of in 3 weeks.
GEICO Home Insurance Reviews
Date: July 19, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Its a very basic policy which cover the amount of the money I owe to the mortgage company. I have not compared policies since purchase.