Gavop tells you how to get the best homeowners insurance in Morro Bay, CA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $150,500 | $140,000 | $150,000-$175,000 |
| 2 Bedroom | $479,000 | $410,000 | $400,000-$500,000 |
| 3 Bedroom | $495,000 | $420,000 | $500,000-$600,000 |
| 4 Bedroom | $554,000 | $470,000 | $500,000-$600,000 |
| 5 Bedroom | $818,000 | $700,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $855 |
| Superior Protection Discount | -$99 | $895 |
| Fire & Security Discount | -$80 | $915 |
| Hail Resistant Roof Discount | -$30 | $965 |
| Newly Constructed Home Discount | -$288 | $706 |
| 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 |
| San Luis Obispo County | $1,000 | $1,460 | $2,460 | $1,061 | $2,061 | $399 |
| Morro Bay, CA | $2,000 | $983 | $2,983 | $714 | $2,714 | $269 |
| El Paso de, CA | $200 | $780 | $980 | $567 | $767 | $213 |
| San Luis Obispo County, CA | $300 | $1,460 | $1,760 | $1,061 | $1,361 | $399 |
| Paso Robles, CA | $2,000 | $1,098 | $3,098 | $798 | $2,798 | $300 |
| Callender, CA | $200 | $1,851 | $2,051 | $1,345 | $1,545 | $506 |
| Whitley Gardens, CA | $700 | $1,305 | $2,005 | $948 | $1,648 | $357 |
| Nipomo, CA | $500 | $910 | $1,410 | $662 | $1,162 | $249 |
| Casmalia, CA | $700 | $604 | $1,304 | $439 | $1,139 | $165 |
| Orcutt, CA | $400 | $810 | $1,210 | $589 | $989 | $221 |
| Home Insurance Company Morro Bay, CA | Homeowners Insurance Agency Morro Bay, CA | Address | Popularity Score | Distance from Morro Bay (miles) |
|---|---|---|---|---|
| State Farm | Courtney Morrow | 72 S Main St Ste B, Templeton, CA, 93465-9787 | 15.9 | |
| State Farm | Steve Weber | 526 Spring St, Paso Robles, CA, 93446-3170 | 20.1 | |
| Farmers | Sue Hubbard | 7730 Morro Rd Ste 206, Atascadero, CA, 93422 | 13.5 | |
| State Farm | Rob Railsback | 340 James Way Ste 230, Pismo Beach, CA, 93449-2880 | 20.9 | |
| Farmers | Daniel Phillips Lutcf | 8800 El Camino Real, Atascadero, CA, 93422 | 14.1 | |
| State Farm | Chuck Braun | 6275 Palma Avenue, Atascadero, CA, 93422-4230 | 14.1 | |
| State Farm | Karen Perlette | 783 Quintana Rd Ste 2, Morro Bay, CA, 93442-1968 | 1.4 | |
| State Farm | Nancy Boster | 1100 S Broadway, Santa Maria, CA, 93454-6608 | 38.3 | |
| Allstate | Andrew Cox | 11555 Los Osos Vly Rd Ste 110, San Luis Obispo, CA, 93405 | 12.5 | |
| State Farm | Larry Brugier | 8250 Morro Rd Ste A, Atascadero, CA, 93422-3954 | 13.4 |
| 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 |
| San Luis Obispo County, CA | $499,800 | $1,478 | $1,090 | $2,010 | $920 |
| Morro Bay, CA | $535,300 | $995 | $740 | $1,350 | $610 |
| El Paso de, CA | $404,700 | $790 | $580 | $1,070 | $490 |
| San Luis Obispo County, CA | $499,800 | $1,478 | $1,090 | $2,010 | $920 |
| Paso Robles, CA | $423,900 | $1,111 | $820 | $1,510 | $690 |
| Callender, CA | $658,500 | $1,873 | $1,390 | $2,550 | $1,160 |
| Whitley Gardens, CA | $449,000 | $1,321 | $980 | $1,800 | $820 |
| Nipomo, CA | $444,300 | $921 | $680 | $1,250 | $570 |
| Casmalia, CA | $169,000 | $611 | $450 | $830 | $380 |
| Orcutt, CA | $367,500 | $820 | $610 | $1,110 | $500 |