How Can I Make My San Luis Obispo, CA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in San Luis Obispo, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate San Luis Obispo, CA Home Insurance Coverage Levels | Back to Top
| San Luis Obispo, CA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hathway Ave, Pennington Creek Rd, Bridge Creek Rd, Osos St, Harmony Way, Sycamore Dr, Thelma Dr, Beniamino Way, Stoneridge Dr, Chandler St | $683,500 | $630,000 | $800,000-$900,000 | $1,038,000 | $840,000 | More than 10,000,000 |
| Vega Way, el Capitan Way, Pasatiempo Dr, Pepper St, Paso Robles Dr, Rubio Ln, Serrano Dr, Indian Knob Rd, Twin Ridge Dr, Tolosa Way | $378,000 | $340,000 | $350,000-$400,000 | $546,000 | $450,000 | $500,000-$600,000 |
| Descanso St, Tierra del Pajaro, Skyview Trl, Prado Rd, Huckleberry Ln, Meadowbrook Ln, Castillo Ct, Stanford Dr, Reina Ct, Elderberry Ln | $455,500 | $420,000 | $400,000-$500,000 | $633,500 | $560,000 | $700,000-$800,000 |
| Woodbridge St, Nasella Ln, Taft St, Bonetti Dr, Kern Ave, Nipomo St, White Oak Ln, del Mar Ct, Casitas Ct, Via Piedra | $269,500 | $250,000 | $300,000-$350,000 | $506,000 | $440,000 | $500,000-$600,000 |
| California Blvd, Vista Ln, W Newport St, Park Ave, Frambuesa Dr, McCollum St, Bahia Ct, King St, Poinsettia Ct, Galleon Way | $299,500 | $240,000 | $250,000-$300,000 | $442,500 | $350,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in San Luis Obispo, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$172 | $1,054 |
| Superior Protection Discount | -$123 | $1,103 |
| Fire & Security Discount | -$135 | $1,091 |
| Hail Resistant Roof Discount | -$37 | $1,189 |
| Newly Constructed Home Discount | -$331 | $895 |
Choose the Right Deductible for your San Luis Obispo, CA Home | Back to Top
| 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 |
| San Luis Obispo County | $1,000 | $1,460 | $2,460 | $1,061 | $2,061 | $399 |
| San Luis Obispo, CA | $2,500 | $1,211 | $3,711 | $880 | $3,380 | $331 |
| Grover Beach, CA | $400 | $920 | $1,320 | $669 | $1,069 | $251 |
| Morro Bay, CA | $700 | $983 | $1,683 | $714 | $1,414 | $269 |
| Blacklake, CA | $300 | $1,804 | $2,104 | $1,311 | $1,611 | $493 |
| Woodlands, CA | $700 | $1,987 | $2,687 | $1,444 | $2,144 | $543 |
| Nipomo, CA | $100 | $910 | $1,010 | $662 | $762 | $249 |
| Whitley Gardens, CA | $1,000 | $1,305 | $2,305 | $948 | $1,948 | $357 |
| Shandon, CA | $300 | $736 | $1,036 | $535 | $835 | $201 |
| Mission Hills, CA | $400 | $977 | $1,377 | $710 | $1,110 | $267 |
| Oak Shores, CA | $700 | $1,486 | $2,186 | $1,080 | $1,780 | $406 |
Identify Top Home Insurance Agents near San Luis Obispo, CA | Back to Top
| Home Insurance Company San Luis Obispo, CA | Homeowners Insurance Agency San Luis Obispo, CA | Address | Popularity Score | Distance from San Luis Obispo (miles) |
|---|---|---|---|---|
| Farmers | Rebecca Stouppe | 115 E College Ave Ste 3, Lompoc, CA, 93436 | 42.4 | |
| Travelers | E C Loomis & Son Insurance Assoc | 220 Traffic Way, Arroyo Grande, CA, 93420 | 9.7 | |
| Allstate | Michelle Horenberger | 1975 S Broadway Ste H, Santa Maria, CA, 93454 | 25.4 | |
| Farmers | Sue Hubbard | 7730 Morro Rd Ste 206, Atascadero, CA, 93422 | 16.6 | |
| State Farm | Rob Railsback | 340 James Way Ste 230, Pismo Beach, CA, 93449-2880 | 7.3 | |
| State Farm | Chuck Braun | 6275 Palma Avenue, Atascadero, CA, 93422-4230 | 17.6 | |
| Farmers | Sergio Zepeda | 310 W Main St, Santa Maria, CA, 93458 | 23.7 | |
| Farmers | Breven Baima | 1750 El Camino Real Ste D, Grover Beach, CA, 93433 | 7.9 | |
| Allstate | Andrew Cox | 11555 Los Osos Vly Rd Ste 110, San Luis Obispo, CA, 93405 | 1.7 | |
| State Farm | Larry Brugier | 8250 Morro Rd Ste A, Atascadero, CA, 93422-3954 | 16.4 |
Compare Rates for San Luis Obispo, CA Home Insurance Providers | Back to Top
| 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 |
| San Luis Obispo County, CA | $499,800 | $1,478 | $1,090 | $2,010 | $920 |
| San Luis Obispo, CA | $633,100 | $1,226 | $910 | $1,670 | $760 |
| Grover Beach, CA | $446,800 | $931 | $690 | $1,270 | $580 |
| Morro Bay, CA | $535,300 | $995 | $740 | $1,350 | $610 |
| Blacklake, CA | $637,400 | $1,826 | $1,350 | $2,480 | $1,130 |
| Woodlands, CA | $721,700 | $2,011 | $1,490 | $2,730 | $1,240 |
| Nipomo, CA | $444,300 | $921 | $680 | $1,250 | $570 |
| Whitley Gardens, CA | $449,000 | $1,321 | $980 | $1,800 | $820 |
| Shandon, CA | $267,000 | $745 | $550 | $1,010 | $460 |
| Mission Hills, CA | $371,500 | $989 | $730 | $1,350 | $620 |
| Oak Shores, CA | $500,000 | $1,504 | $1,110 | $2,050 | $940 |
Research Home Insurance Companies Reviews in San Luis Obispo, CA Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: October 21, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I think the insurance company of ours, it is better when compared with other companies.
Date: September 09, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
Geico has had overall decent Customer service. Sometimes they do not always have the answers to my questions, but they will transfer you to someone who does have the answer.
State Farm Home Insurance Reviews
Date: July 22, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
State Farm offered a great policy with nearly any imaginable changes from the standards that suited my needs.so bundling home and auto made a great difference to my monthly insurance expenses.
MetLife Home Insurance Reviews
Date: October 04, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium amount is comfortable for me. There is no deductible amount just they add the tax. I do the regular premium payment becuse I care about my service from the insurance company.