Gavop's guide to buying homeowners insurance in Vandenberg Village, 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 | $124,500 | $110,000 | $100,000-$125,000 |
| 2 Bedroom | $216,000 | $180,000 | $175,000-$200,000 |
| 3 Bedroom | $292,000 | $270,000 | $200,000-$250,000 |
| 4 Bedroom | $361,000 | $320,000 | $250,000-$300,000 |
| 5 Bedroom | $850,000 | $810,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $634 |
| Superior Protection Discount | -$67 | $679 |
| Fire & Security Discount | -$52 | $694 |
| Hail Resistant Roof Discount | -$22 | $724 |
| Newly Constructed Home Discount | -$216 | $530 |
| 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 |
| Santa Barbara County | $1,000 | $1,358 | $2,358 | $987 | $1,987 | $371 |
| Vandenberg Village, CA | $1,000 | $737 | $1,737 | $536 | $1,536 | $201 |
| Casmalia, CA | $400 | $604 | $1,004 | $439 | $839 | $165 |
| Garey, CA | $1,500 | $2,293 | $3,793 | $1,666 | $3,166 | $627 |
| Buellton, CA | $400 | $1,359 | $1,759 | $987 | $1,387 | $371 |
| Ballard, CA | $1,000 | $2,313 | $3,313 | $1,681 | $2,681 | $632 |
| Santa Ynez, CA | $200 | $2,098 | $2,298 | $1,524 | $1,724 | $573 |
| Nipomo, CA | $2,500 | $910 | $3,410 | $662 | $3,162 | $249 |
| San Luis Obispo, CA | $2,500 | $1,211 | $3,711 | $880 | $3,380 | $331 |
| Atascadero, CA | $200 | $1,237 | $1,437 | $899 | $1,099 | $338 |
| New Cuyama, CA | $700 | $470 | $1,170 | $342 | $1,042 | $129 |
| Home Insurance Company Vandenberg Village, CA | Homeowners Insurance Agency Vandenberg Village, CA | Address | Popularity Score | Distance from Vandenberg Village (miles) |
|---|---|---|---|---|
| Farmers | Rebecca Stouppe | 115 E College Ave Ste 3, Lompoc, CA, 93436 | 4.5 | |
| Travelers | E C Loomis & Son Insurance Assoc | 220 Traffic Way, Arroyo Grande, CA, 93420 | 29.0 | |
| State Farm | Rob Railsback | 340 James Way Ste 230, Pismo Beach, CA, 93449-2880 | 30.8 | |
| State Farm | Ed Attlesey | 160 N Fairview Ave Ste 3, Goleta, CA, 93117-2338 | 40.5 | |
| Allstate | Douglas A. Harlow | 1215 De La Vina St Ste A, Santa Barbara, CA, 93101 | 47.5 | |
| State Farm | Kory Robertson | 160 N Fairview Ave Ste 2, Goleta, CA, 93117-2338 | 40.5 | |
| State Farm | Tammy Dobrotin | 3015 State St Ste C, Santa Barbara, CA, 93105-3330 | 45.8 | |
| State Farm | Scott Simmons | 1809 Cliff Dr Ste A, Santa Barbara, CA, 93109-1649 | 47.4 | |
| Farmers | Sergio Zepeda | 310 W Main St, Santa Maria, CA, 93458 | 16.7 | |
| Farmers | Thana Robinson | 928 Carpinteria St, Santa Barbara, CA, 93103 | 49.0 |
| 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 |
| Vandenberg Village, CA | $336,800 | $746 | $550 | $1,010 | $460 |
| Casmalia, CA | $169,000 | $611 | $450 | $830 | $380 |
| Garey, CA | $875,000 | $2,321 | $1,720 | $3,160 | $1,440 |
| Buellton, CA | $458,600 | $1,375 | $1,020 | $1,870 | $850 |
| Ballard, CA | $885,900 | $2,341 | $1,730 | $3,180 | $1,450 |
| Santa Ynez, CA | $775,600 | $2,123 | $1,570 | $2,890 | $1,320 |
| Nipomo, CA | $444,300 | $921 | $680 | $1,250 | $570 |
| San Luis Obispo, CA | $633,100 | $1,226 | $910 | $1,670 | $760 |
| Atascadero, CA | $461,300 | $1,252 | $930 | $1,700 | $770 |
| New Cuyama, CA | $85,900 | $476 | $350 | $650 | $300 |