Gavop shows you how to buy homeowners insurance in Monterey County, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Monterey County, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Millbrae St, Cll del Adobe, Tweed Pl, Meredith Cir, Espinosa Rd, Campbell Ave, Campo de Casa Dr, Kiska Ct, Albert St, Plaza Cir | $227,500 | $190,000 | $200,000-$250,000 | $178,500 | $150,000 | $150,000-$175,000 |
| Pacific Crest Dr, Outlook Way, Cielo Vista Ave, Moonlight Ct, Hansen Rd, Punta Perdido, Merced St, Brownell Dr, Josselyn Canyon Rd, Dolphin Cir | $370,000 | $340,000 | $350,000-$400,000 | $199,000 | $170,000 | $200,000-$250,000 |
| Rancho Alto Dr, Sepulveda Dr, Nocha Buena Pl, Bayview Ave, Moon St, Sierra Madre Ct, Cambrian Ct, Castlerock Rd, Gardenia Cir, Eichelberg Ct | $318,500 | $270,000 | $300,000-$350,000 | $221,000 | $200,000 | $200,000-$250,000 |
| Pebble St, Emmanuel Ct, Whalers Way, Murietta Rd, Lewis Creek Rd, Piedmont Ave, Archer St, Metz-Soledad Rd, Lafayette Way, Grant St | $253,500 | $230,000 | $200,000-$250,000 | $223,000 | $180,000 | $250,000-$300,000 |
| Toro Ave, Black Mountain Trl, del Ciervo Rd, Solomon Rd, Seymour St, Rogge Village Loop, Los Arboles Cir, Valdez Rd, Sirrah Way, Sergeant Beans Rd | $546,000 | $470,000 | $500,000-$600,000 | $731,000 | $680,000 | $600,000-$700,000 |
| Bluff Rd, Garrapatos Rd, Tamara Ln, Benbow Pl, Apostolic Ln, Bishop Pl, Bruce Ln, Riverside Way, Palo Verde Ave, White Rd | $291,000 | $250,000 | $250,000-$300,000 | $219,500 | $200,000 | $200,000-$250,000 |
| Kent St, Sombria Ct, N 3rd St, Mimbrera Cir, Lower Ragsdale Dr, Bardin Rd, Harrison Rd, Andina Dr, Hayes Cir, Spruce Way | $296,000 | $270,000 | $300,000-$350,000 | $198,000 | $180,000 | $175,000-$200,000 |
| Harding St, Dixi St, Tarawild Ct, Davis Canyon, Zin Ct, Las Manzanitas Dr, St Joseph Cir, Juri Cir, Santa Paula Dr, Fontes Ln | $254,000 | $240,000 | $200,000-$250,000 | $172,500 | $140,000 | $175,000-$200,000 |
| Salinas Rd, Melva Ave, Ranchita Canyon Rd, Montsalas Dr, Tesoro Rd, Cassidy St, Bavella Way, Hitchcock Canyon, Merrill Way, Clock Tower Pl | $796,000 | $680,000 | $600,000-$700,000 | $708,500 | $590,000 | $700,000-$800,000 |
| Laureles Ln, Rancho San Carlos Rd, Cabrillo St, Country Club, Greenwich Way, Parkside St, Spicer St, Montclair Ln, Sardina Way, Mentone Dr | $124,500 | $110,000 | $100,000-$125,000 | $98,000 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$167 | $1,023 |
| Superior Protection Discount | -$107 | $1,082 |
| Fire & Security Discount | -$131 | $1,059 |
| Hail Resistant Roof Discount | -$36 | $1,154 |
| Newly Constructed Home Discount | -$285 | $904 |
| 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 | $2,500 | $1,175 | $3,675 | $854 | $3,354 | $321 |
| Monterey County, CA | $1,000 | $1,175 | $2,175 | $854 | $1,854 | $321 |
| King City, CA | $400 | $661 | $1,061 | $480 | $880 | $181 |
| Chualar, CA | $2,000 | $683 | $2,683 | $496 | $2,496 | $187 |
| Toro Park, CA | $200 | $1,096 | $1,296 | $797 | $997 | $300 |
| San Ardo, CA | $1,000 | $924 | $1,924 | $671 | $1,671 | $252 |
| Bradley, CA | $300 | $733 | $1,033 | $533 | $833 | $200 |
| Marina, CA | $1,500 | $866 | $2,366 | $629 | $2,129 | $237 |
| Hollister, CA | $500 | $1,179 | $1,679 | $857 | $1,357 | $322 |
| Del Monte Forest, CA | $1,500 | $2,783 | $4,283 | $2,023 | $3,523 | $761 |
| Pacific Grove, CA | $100 | $1,131 | $1,231 | $822 | $922 | $309 |
| Aromas, CA | $1,000 | $1,539 | $2,539 | $1,119 | $2,119 | $421 |
| Home Insurance Company Monterey County, CA | Homeowners Insurance Agency Monterey County, CA | Address | Popularity Score | Distance from Monterey County (miles) |
|---|---|---|---|---|
| Farmers | Veronica Perez | 1000 Pajaro St Ste Bb, Salinas, CA, 93901 | 34.7 | |
| State Farm | Ryan Travaille | 1976 Fremont Blvd Ste B, Seaside, CA, 93955-3169 | 39.2 | |
| State Farm | Kathy Power | 1590 Del Monte Blvd, Seaside, CA, 93955-4238 | 39.3 | |
| Farmers | Julie Perry | 505 Lighthouse Ave Ste 103, Pacific Grove, CA, 93950 | 42.5 | |
| State Farm | Russ Wilcox | 1532 Constitution Blvd, Salinas, CA, 93905-3803 | 36.0 | |
| Farmers | Laurrie Pike | 498 Pearl St Ste 2, Monterey, CA, 93940 | 40.5 | |
| Farmers | Brenda Horder | 341 Tres Pinos Rd Ste 205b, Hollister, CA, 95023 | 41.6 | |
| Farmers | Thomas Craig Hicks | 15 4th St, Gonzales, CA, 93926 | 19.8 | |
| Farmers | Lisa Del Real | 1403a N Main St, Salinas, CA, 93906 | 37.3 | |
| State Farm | Tom Mckinney | 716 Lighthouse Ave Ste B, Pacific Grove, CA, 93950-2567 | 42.8 |
| 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 |
| Monterey County, CA | $441,000 | $1,189 | $880 | $1,620 | $740 |
| King City, CA | $250,100 | $669 | $490 | $910 | $420 |
| Chualar, CA | $230,500 | $691 | $510 | $940 | $430 |
| Toro Park, CA | $733,700 | $1,110 | $820 | $1,510 | $690 |
| San Ardo, CA | $354,200 | $935 | $690 | $1,270 | $580 |
| Bradley, CA | $265,000 | $742 | $550 | $1,010 | $460 |
| Marina, CA | $431,800 | $877 | $650 | $1,190 | $540 |
| Hollister, CA | $449,900 | $1,193 | $880 | $1,620 | $740 |
| Del Monte Forest, CA | $1,170,600 | $2,817 | $2,080 | $3,830 | $1,750 |
| Pacific Grove, CA | $764,600 | $1,145 | $850 | $1,560 | $710 |
| Aromas, CA | $522,200 | $1,558 | $1,150 | $2,120 | $970 |