Gavop shows you how to buy homeowners insurance in Carmel-by-the-Sea, 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 | $258,500 | $210,000 | $200,000-$250,000 |
| 2 Bedroom | $818,000 | $660,000 | $800,000-$900,000 |
| 3 Bedroom | $940,000 | $880,000 | $900,000-$1,000,000 |
| 4 Bedroom | $1,457,000 | $1,340,000 | More than 10,000,000 |
| 5 Bedroom | $912,000 | $740,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $806 |
| Superior Protection Discount | -$94 | $843 |
| Fire & Security Discount | -$66 | $872 |
| Hail Resistant Roof Discount | -$28 | $909 |
| Newly Constructed Home Discount | -$262 | $675 |
| 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 | $700 | $1,175 | $1,875 | $854 | $1,554 | $321 |
| Carmel-by-the-Sea, CA | $1,500 | $926 | $2,426 | $673 | $2,173 | $253 |
| Seaside-Monterey, CA | $500 | $1,363 | $1,863 | $990 | $1,490 | $372 |
| Marina, CA | $2,500 | $866 | $3,366 | $629 | $3,129 | $237 |
| Toro Park, CA | $300 | $1,096 | $1,396 | $797 | $1,097 | $300 |
| Watsonville, CA | $1,500 | $1,216 | $2,716 | $883 | $2,383 | $332 |
| Rio del Mar, CA | $500 | $1,133 | $1,633 | $824 | $1,324 | $310 |
| Pleasure Point, CA | $2,000 | $1,079 | $3,079 | $784 | $2,784 | $295 |
| Soquel, CA | $200 | $964 | $1,164 | $701 | $901 | $263 |
| Santa Cruz County, CA | $2,500 | $1,251 | $3,751 | $909 | $3,409 | $342 |
| Bonny Doon, CA | $400 | $2,185 | $2,585 | $1,588 | $1,988 | $597 |
| Ben Lomond, CA | $2,500 | $942 | $3,442 | $685 | $3,185 | $258 |
| Home Insurance Company Carmel-by-the-Sea, CA | Homeowners Insurance Agency Carmel-by-the-Sea, CA | Address | Popularity Score | Distance from Carmel-by-the-Sea (miles) |
|---|---|---|---|---|
| State Farm | Ryan Travaille | 1976 Fremont Blvd Ste B, Seaside, CA, 93955-3169 | 7.5 | |
| Allstate | David Tofig | 6116 Camino Verde Dr Ste 9, San Jose, CA, 95119 | 49.8 | |
| Travelers | Kbk Insurance Agency | 1006 Freedom Blvd, Watsonville, CA, 95076 | 28.7 | |
| State Farm | Kathy Power | 1590 Del Monte Blvd, Seaside, CA, 93955-4238 | 6.6 | |
| Farmers | Julie Perry | 505 Lighthouse Ave Ste 103, Pacific Grove, CA, 93950 | 7.2 | |
| Farmers | Laurrie Pike | 498 Pearl St Ste 2, Monterey, CA, 93940 | 5.6 | |
| State Farm | Gurmeet Gill | 151 Bernal Rd Ste 10, San Jose, CA, 95119-1306 | 49.4 | |
| State Farm | Tom Mckinney | 716 Lighthouse Ave Ste B, Pacific Grove, CA, 93950-2567 | 7.5 | |
| State Farm | Lauren Foos | 2959 Park Ave Ste B, Soquel, CA, 95073-2863 | 32.6 | |
| State Farm | Stuart Dong | 546 Pine Ave, Pacific Grove, CA, 93950-3443 | 7.2 |
| 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 |
| Carmel-by-the-Sea, CA | $1,114,000 | $937 | $690 | $1,270 | $580 |
| Seaside-Monterey, CA | $592,800 | $1,379 | $1,020 | $1,880 | $860 |
| Marina, CA | $431,800 | $877 | $650 | $1,190 | $540 |
| Toro Park, CA | $733,700 | $1,110 | $820 | $1,510 | $690 |
| Watsonville, CA | $457,200 | $1,230 | $910 | $1,670 | $760 |
| Rio del Mar, CA | $831,200 | $1,147 | $850 | $1,560 | $710 |
| Pleasure Point, CA | $777,900 | $1,092 | $810 | $1,490 | $680 |
| Soquel, CA | $587,200 | $976 | $720 | $1,330 | $610 |
| Santa Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Bonny Doon, CA | $819,300 | $2,212 | $1,640 | $3,010 | $1,370 |
| Ben Lomond, CA | $603,800 | $954 | $710 | $1,300 | $590 |