Gavop's guide to buying homeowners insurance in Toro Park, 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 | $212,000 | $200,000 | $200,000-$250,000 |
| 2 Bedroom | $476,500 | $400,000 | $400,000-$500,000 |
| 3 Bedroom | $569,500 | $480,000 | $500,000-$600,000 |
| 4 Bedroom | $1,059,000 | $1,000,000 | $900,000-$1,000,000 |
| 5 Bedroom | $1,509,500 | $1,300,000 | More than 10,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$100 | $1,010 |
| Home and Two Car | -$189 | $921 |
| Home and Three Car | -$277 | $832 |
| 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 |
| Monterey County | $1,000 | $1,175 | $2,175 | $854 | $1,854 | $321 |
| Toro Park, CA | $2,000 | $1,096 | $3,096 | $797 | $2,797 | $300 |
| Salinas, CA | $200 | $876 | $1,076 | $637 | $837 | $240 |
| Sand City, CA | $1,000 | $1,663 | $2,663 | $1,208 | $2,208 | $454 |
| Prunedale, CA | $300 | $937 | $1,237 | $681 | $981 | $256 |
| San Juan Bautista, CA | $700 | $978 | $1,678 | $711 | $1,411 | $267 |
| Soledad, CA | $400 | $657 | $1,057 | $478 | $878 | $180 |
| Aptos Hills-Larkin Valley, CA | $700 | $2,090 | $2,790 | $1,519 | $2,219 | $571 |
| Rio del Mar, CA | $300 | $1,133 | $1,433 | $824 | $1,124 | $310 |
| San Benito County, CA | $1,000 | $1,228 | $2,228 | $892 | $1,892 | $336 |
| Summit Road, CA | $300 | $2,524 | $2,824 | $1,834 | $2,134 | $690 |
| Lompico, CA | $2,500 | $1,191 | $3,691 | $865 | $3,365 | $325 |
| Home Insurance Company Toro Park, CA | Homeowners Insurance Agency Toro Park, CA | Address | Popularity Score | Distance from Toro Park (miles) |
|---|---|---|---|---|
| State Farm | Chris Buich | 2222 E Cliff Dr Ste 200, Santa Cruz, CA, 95062-4739 | 34.3 | |
| Farmers | Veronica Perez | 1000 Pajaro St Ste Bb, Salinas, CA, 93901 | 7.3 | |
| Farmers | Ashish Marwaha | 835 Blossom Hill Rd Ste 101, San Jose, CA, 95123 | 49.3 | |
| Farmers | Julie Perry | 505 Lighthouse Ave Ste 103, Pacific Grove, CA, 93950 | 15.7 | |
| State Farm | Dwayne Dawson | 1850 41st Avenue, Suite 201, Capitola, CA, 95010-2570 | 34.0 | |
| State Farm | Gurmeet Gill | 151 Bernal Rd Ste 10, San Jose, CA, 95119-1306 | 47.0 | |
| State Farm | Jill Judd | 820 Bay Avenue, Capitola, CA, 95010-2134 | 34.1 | |
| Farmers | Cesar Castro | 911 N Main St, Salinas, CA, 93906 | 9.3 | |
| State Farm | Tracy Chappell | 975 W Alisal St Ste C, Salinas, CA, 93901-1148 | 7.9 | |
| State Farm | Troy Anderson | 36 E Romie Ln, Salinas, CA, 93901-3124 | 7.4 |
| 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 |
| Monterey County, CA | $441,000 | $1,189 | $880 | $1,620 | $740 |
| Toro Park, CA | $733,700 | $1,110 | $820 | $1,510 | $690 |
| Salinas, CA | $350,300 | $887 | $660 | $1,210 | $550 |
| Sand City, CA | $575,000 | $1,683 | $1,250 | $2,290 | $1,040 |
| Prunedale, CA | $451,300 | $948 | $700 | $1,290 | $590 |
| San Juan Bautista, CA | $598,000 | $990 | $730 | $1,350 | $620 |
| Soledad, CA | $293,600 | $665 | $490 | $900 | $410 |
| Aptos Hills-Larkin Valley, CA | $771,500 | $2,115 | $1,570 | $2,880 | $1,310 |
| Rio del Mar, CA | $831,200 | $1,147 | $850 | $1,560 | $710 |
| San Benito County, CA | $459,700 | $1,243 | $920 | $1,690 | $770 |
| Summit Road, CA | $1,004,100 | $2,555 | $1,890 | $3,470 | $1,580 |
| Lompico, CA | $426,100 | $1,205 | $890 | $1,640 | $750 |