Gavop's guide to buying homeowners insurance in Moraga, 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 | $269,500 | $230,000 | $250,000-$300,000 |
| 2 Bedroom | $482,500 | $420,000 | $400,000-$500,000 |
| 3 Bedroom | $799,500 | $670,000 | $600,000-$700,000 |
| 4 Bedroom | $1,154,000 | $970,000 | More than 10,000,000 |
| 5 Bedroom | $2,284,500 | $1,990,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $774 |
| Superior Protection Discount | -$94 | $849 |
| Fire & Security Discount | -$75 | $868 |
| Hail Resistant Roof Discount | -$28 | $915 |
| Newly Constructed Home Discount | -$189 | $755 |
| 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 |
| Contra Costa County | $700 | $1,385 | $2,085 | $1,007 | $1,707 | $379 |
| Moraga, CA | $2,500 | $932 | $3,432 | $677 | $3,177 | $255 |
| San Leandro, CA | $200 | $1,308 | $1,508 | $951 | $1,151 | $357 |
| Pinole, CA | $1,500 | $866 | $2,366 | $629 | $2,129 | $237 |
| Burlingame, CA | $500 | $945 | $1,445 | $687 | $1,187 | $258 |
| American Canyon, CA | $2,000 | $823 | $2,823 | $598 | $2,598 | $225 |
| Emerald Lake Hills, CA | $200 | $780 | $980 | $567 | $767 | $213 |
| Solano County, CA | $200 | $855 | $1,055 | $621 | $821 | $234 |
| Mountain View, CA | $700 | $1,214 | $1,914 | $882 | $1,582 | $332 |
| Stockton, CA | $100 | $631 | $731 | $458 | $558 | $172 |
| Lathrop, CA | $2,000 | $656 | $2,656 | $476 | $2,476 | $179 |
| Home Insurance Company Moraga, CA | Homeowners Insurance Agency Moraga, CA | Address | Popularity Score | Distance from Moraga (miles) |
|---|---|---|---|---|
| State Farm | Jerry Selvitella | 117 N San Mateo Dr Ste 3, San Mateo, CA, 94401-2708 | 22.2 | |
| State Farm | Barb Ellul | 7027 Dublin Blvd Ste 140, Dublin, CA, 94568-3018 | 14.8 | |
| Travelers | Onmarket Insurance Associates | 1857 Market St, San Francisco, CA, 94103 | 17.3 | |
| Travelers | Brady-Harbord-Payne | 3608 Grand Avenue, Suite 2, Oakland, CA, 94610 | 7.0 | |
| Liberty Mutual Independent | Brignole & Ghiri Insurance & | 4685 Telegraph Ave, Oakland, CA, 94609 | 7.7 | |
| Liberty Mutual Independent | Tlb Insurance Services | 3000 Oak Rd Ste 210, Walnut Creek, CA, 94597 | 6.8 | |
| State Farm | Jessica Hebert | 490 Grand Ave Ste 210, Oakland, CA, 94610-5058 | 7.5 | |
| State Farm | George Azevedo Jr | 718 Lincoln Center, Stockton, CA, 95207-2643 | 45.2 | |
| State Farm | Frank Bliss | 1700 Solano Avenue Suite A, Berkeley, CA, 94707-2200 | 9.2 | |
| State Farm | Judy Chambers | 1305 Franklin St Ste 400, Oakland, CA, 94612-3223 | 8.6 |
| 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 |
| Contra Costa County, CA | $522,300 | $1,402 | $1,040 | $1,910 | $870 |
| Moraga, CA | $1,035,000 | $944 | $700 | $1,280 | $580 |
| San Leandro, CA | $474,500 | $1,324 | $980 | $1,800 | $820 |
| Pinole, CA | $431,800 | $877 | $650 | $1,190 | $540 |
| Burlingame, CA | $1,591,600 | $956 | $710 | $1,300 | $590 |
| American Canyon, CA | $418,600 | $833 | $620 | $1,130 | $510 |
| Emerald Lake Hills, CA | $1,547,300 | $790 | $580 | $1,070 | $490 |
| Solano County, CA | $342,000 | $865 | $640 | $1,180 | $540 |
| Mountain View, CA | $1,079,900 | $1,228 | $910 | $1,670 | $760 |
| Stockton, CA | $205,300 | $638 | $470 | $870 | $400 |
| Lathrop, CA | $292,900 | $664 | $490 | $900 | $410 |