Gavop tells you how to get the best homeowners insurance in Arcata, 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 | $133,000 | $120,000 | $125,000-$150,000 |
| 2 Bedroom | $243,000 | $210,000 | $250,000-$300,000 |
| 3 Bedroom | $340,000 | $270,000 | $350,000-$400,000 |
| 4 Bedroom | $520,500 | $460,000 | $500,000-$600,000 |
| 5 Bedroom | $562,500 | $480,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $628 |
| Superior Protection Discount | -$70 | $706 |
| Fire & Security Discount | -$70 | $706 |
| Hail Resistant Roof Discount | -$16 | $760 |
| Newly Constructed Home Discount | -$209 | $566 |
| 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 |
| Humboldt County | $1,500 | $745 | $2,245 | $541 | $2,041 | $203 |
| Arcata, CA | $2,500 | $766 | $3,266 | $557 | $3,057 | $209 |
| Humboldt County, CA | $100 | $745 | $845 | $541 | $641 | $203 |
| Fortuna, CA | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| McKinleyville, CA | $100 | $646 | $746 | $469 | $569 | $176 |
| Burnt Ranch, CA | $700 | $710 | $1,410 | $516 | $1,216 | $194 |
| Trinity Village, CA | $400 | $747 | $1,147 | $543 | $943 | $204 |
| Big Lagoon, CA | $700 | $1,246 | $1,946 | $905 | $1,605 | $340 |
| Ferndale, CA | $500 | $966 | $1,466 | $702 | $1,202 | $264 |
| Garberville, CA | $1,500 | $710 | $2,210 | $516 | $2,016 | $194 |
| Redway, CA | $200 | $840 | $1,040 | $610 | $810 | $230 |
| Douglas City, CA | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Home Insurance Company Arcata, CA | Homeowners Insurance Agency Arcata, CA | Address | Popularity Score | Distance from Arcata (miles) |
|---|---|---|---|---|
| State Farm | Scott Hammond | 537 7th St, Eureka, CA, 95501-6806 | 16.3 | |
| Travelers | Judy Davis Insurance Services Inc | 1933 Central Ave Ste D, Mckinleyville, CA, 95519 | 18.8 | |
| Farmers | Stephanie Eskra | 9 5th St, Eureka, CA, 95501 | 16.6 | |
| Liberty Mutual Independent | George Petersen Ins-Eureka | 416 E St, Eureka, CA, 95501 | 16.5 | |
| Farmers | Neil Aitken | 3990 Walnut Dr, Eureka, CA, 95503 | 14.7 | |
| Farmers | Craig Hansen | 2103 3rd St, Eureka, CA, 95501 | 15.6 | |
| Liberty Mutual Independent | Harbers Insurance Agency | 210 12th St, Fortuna, CA, 95540 | 18.1 | |
| State Farm | Lisa Fryrear | 333 6th St Ste A, Eureka, CA, 95501-1035 | 16.5 | |
| State Farm | Bill O'Brien Clu, Cpcu, Chfc | 1631 Sutter Rd, Mckinleyville, CA, 95519-4216 | 18.5 | |
| State Farm | Paul Nicholson | 1016 West Ave, Eureka, CA, 95501-1237 | 15.5 |
| 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 |
| Arcata, CA | $349,900 | $775 | $570 | $1,050 | $480 |
| Humboldt County, CA | $285,800 | $754 | $560 | $1,030 | $470 |
| Fortuna, CA | $269,500 | $697 | $520 | $950 | $430 |
| McKinleyville, CA | $286,200 | $654 | $480 | $890 | $410 |
| Burnt Ranch, CA | $250,000 | $719 | $530 | $980 | $450 |
| Trinity Village, CA | $273,700 | $756 | $560 | $1,030 | $470 |
| Big Lagoon, CA | $437,500 | $1,261 | $930 | $1,710 | $780 |
| Ferndale, CA | $368,300 | $978 | $720 | $1,330 | $610 |
| Garberville, CA | $323,400 | $718 | $530 | $980 | $450 |
| Redway, CA | $321,400 | $850 | $630 | $1,160 | $530 |
| Douglas City, CA | $223,600 | $682 | $500 | $930 | $430 |