Gavop shows you how to buy homeowners insurance in Santa Barbara 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $129,000 | $100,000 | $100,000-$125,000 |
| 2 Bedroom | $275,500 | $250,000 | $250,000-$300,000 |
| 3 Bedroom | $499,500 | $420,000 | $400,000-$500,000 |
| 4 Bedroom | $630,500 | $560,000 | $500,000-$600,000 |
| 5 Bedroom | $919,000 | $770,000 | $900,000-$1,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$247 | $1,127 |
| Superior Protection Discount | -$137 | $1,237 |
| Fire & Security Discount | -$110 | $1,264 |
| Hail Resistant Roof Discount | -$27 | $1,347 |
| Newly Constructed Home Discount | -$385 | $989 |
| 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 | $700 | $1,358 | $2,058 | $987 | $1,687 | $371 |
| Santa Barbara County, CA | $1,000 | $1,358 | $2,358 | $987 | $1,987 | $371 |
| Santa Ynez, CA | $100 | $2,098 | $2,198 | $1,524 | $1,624 | $573 |
| Solvang, CA | $1,000 | $1,046 | $2,046 | $760 | $1,760 | $286 |
| Buellton, CA | $400 | $1,359 | $1,759 | $987 | $1,387 | $371 |
| Goleta, CA | $700 | $1,078 | $1,778 | $784 | $1,484 | $295 |
| Mission Canyon, CA | $500 | $2,509 | $3,009 | $1,823 | $2,323 | $686 |
| Cuyama, CA | $700 | $791 | $1,491 | $575 | $1,275 | $216 |
| Lompoc, CA | $500 | $762 | $1,262 | $554 | $1,054 | $208 |
| Vandenberg Village, CA | $2,500 | $737 | $3,237 | $536 | $3,036 | $201 |
| Garey, CA | $100 | $2,293 | $2,393 | $1,666 | $1,766 | $627 |
| Callender, CA | $1,500 | $1,851 | $3,351 | $1,345 | $2,845 | $506 |
| Home Insurance Company Santa Barbara County, CA | Homeowners Insurance Agency Santa Barbara County, CA | Address | Popularity Score | Distance from Santa Barbara County (miles) |
|---|---|---|---|---|
| Farmers | Rebecca Stouppe | 115 E College Ave Ste 3, Lompoc, CA, 93436 | 25.1 | |
| Allstate | Michael Gourley | 1766 E Thompson Blvd # B, Ventura, CA, 93001 | 47.2 | |
| Travelers | One West Insurance Services Inc | 3640 Sagunto St Ste 301, Santa Ynez, CA, 93460 | 5.7 | |
| State Farm | Irene Henry | 1445 Donlon St Ste 8, Ventura, CA, 93003-8388 | 49.6 | |
| State Farm | Ed Attlesey | 160 N Fairview Ave Ste 3, Goleta, CA, 93117-2338 | 13.5 | |
| State Farm | Aquiles Montoya | 143 Figueroa St., Ventura, CA, 93001 | 45.9 | |
| Farmers | Hema Manwani | 4464 Mcgrath St Ste 104, Ventura, CA, 93003 | 50.0 | |
| Farmers | Tami Bright | 405 W Ojai Ave, Ojai, CA, 93023 | 45.4 | |
| Farmers | Connie Kehr | 1750 E Main St, Ventura, CA, 93001 | 47.1 | |
| Travelers | Tolman & Wiker Insurance Services Llc | 196 S Fir St, Ventura, CA, 93001 | 46.3 |
| 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 |
| Santa Barbara County, CA | $509,400 | $1,374 | $1,020 | $1,870 | $850 |
| Santa Ynez, CA | $775,600 | $2,123 | $1,570 | $2,890 | $1,320 |
| Solvang, CA | $689,700 | $1,058 | $780 | $1,440 | $660 |
| Buellton, CA | $458,600 | $1,375 | $1,020 | $1,870 | $850 |
| Goleta, CA | $718,300 | $1,092 | $810 | $1,480 | $670 |
| Mission Canyon, CA | $995,200 | $2,539 | $1,880 | $3,450 | $1,570 |
| Cuyama, CA | $298,400 | $801 | $590 | $1,090 | $500 |
| Lompoc, CA | $295,200 | $771 | $570 | $1,050 | $480 |
| Vandenberg Village, CA | $336,800 | $746 | $550 | $1,010 | $460 |
| Garey, CA | $875,000 | $2,321 | $1,720 | $3,160 | $1,440 |
| Callender, CA | $658,500 | $1,873 | $1,390 | $2,550 | $1,160 |