Gavop's guide to buying homeowners insurance in Los Altos, 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.
| Los Altos, CA - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Trophy Dr, Gronwall Ct, Cecelia Way, Monroe Dr, Empire Ct, Skyline Blvd, Langton Ave, San Leandro Ave, Serra St, Orangetree Ln | $1,138,500 | $960,000 | More than 10,000,000 | $819,500 | $690,000 | $900,000-$1,000,000 |
| Fairway Dr, Hollingsworth Dr, Laurentian Way, Damian Way, Janice Ave, Hillview Ave, Rancho Ventura St, Chamisal Ave, Valencia Dr, Suffolk Ct | $1,546,500 | $1,330,000 | More than 10,000,000 | $820,000 | $770,000 | $700,000-$800,000 |
| Sondgrath Way, Drea Rd, Sereno Way, Westwind Way, N Gordon Way, Catalina Way, Medina Ln, Karen Way, Arbor Ave, Campbell Ave | $1,455,000 | $1,290,000 | More than 10,000,000 | $616,500 | $570,000 | $400,000-$500,000 |
| Garthwick Dr, Wessex Ave, Linda Vista Way, Miranda Way, Prado Vista Ave, Border Rd, Santa Paula Ave, Chateau Dr, el Sereno Ct, N Springer Rd | $1,432,000 | $1,180,000 | More than 10,000,000 | $596,500 | $490,000 | $600,000-$700,000 |
| Begen Ave, Amalfi Way, Varsity Ct, Altos Oaks Dr, State Rte 35, Parma Way, Cielito Dr, Camellia Ct, Galli Ct, Sherwood Ave | $797,000 | $720,000 | $800,000-$900,000 | $806,000 | $680,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $821 |
| Superior Protection Discount | -$95 | $859 |
| Fire & Security Discount | -$95 | $859 |
| Hail Resistant Roof Discount | -$29 | $926 |
| Newly Constructed Home Discount | -$220 | $735 |
| 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 Clara County | $1,000 | $1,489 | $2,489 | $1,082 | $2,082 | $407 |
| Los Altos, CA | $700 | $943 | $1,643 | $685 | $1,385 | $258 |
| West Santa Clara, CA | $400 | $771 | $1,171 | $561 | $961 | $211 |
| Newark, CA | $2,500 | $1,406 | $3,906 | $1,022 | $3,522 | $384 |
| El Granada, CA | $200 | $2,370 | $2,570 | $1,722 | $1,922 | $648 |
| Livermore-Pleasanton, CA | $700 | $1,431 | $2,131 | $1,040 | $1,740 | $391 |
| Santa Cruz, CA | $400 | $1,349 | $1,749 | $980 | $1,380 | $369 |
| Camino Tassajara, CA | $1,500 | $2,721 | $4,221 | $1,977 | $3,477 | $744 |
| Brentwood, CA | $400 | $1,354 | $1,754 | $984 | $1,384 | $370 |
| Stinson Beach, CA | $1,500 | $547 | $2,047 | $397 | $1,897 | $149 |
| Bolinas, CA | $300 | $2,847 | $3,147 | $2,069 | $2,369 | $778 |
| San Anselmo, CA | $1,000 | $939 | $1,939 | $682 | $1,682 | $256 |
| Home Insurance Company Los Altos, CA | Homeowners Insurance Agency Los Altos, CA | Address | Popularity Score | Distance from Los Altos (miles) |
|---|---|---|---|---|
| State Farm | Michelle Nguyen | 3220 Stevens Creek Blvd Ste B, San Jose, CA, 95117-1131 | 8.5 | |
| Allstate | David Tofig | 6116 Camino Verde Dr Ste 9, San Jose, CA, 95119 | 18.7 | |
| State Farm | Rebekah Shapiro | 725 Filbert St, San Francisco, CA, 94133-2703 | 34.5 | |
| State Farm | Kristen Termini | 1762 Miramonte Ave, Mountain View, CA, 94040-3763 | 0.6 | |
| State Farm | Carlos Marron | 801 Woodside Rd Ste 12, Redwood City, CA, 94061-3751 | 9.8 | |
| Farmers | Rosie Mendoza | 303 Hemlock Ave, Redwood City, CA, 94061 | 9.9 | |
| State Farm | Tami Pratt | 360 Kiely Blvd Ste 125, San Jose, CA, 95129-1300 | 7.5 | |
| Allstate | Jill Khiew Lo | 1442 W El Camino Real, Mountain View, CA, 94040 | 1.5 | |
| Farmers | Peter Kuo | 1292 Kifer Rd Ste 802, Sunnyvale, CA, 94086 | 5.9 | |
| State Farm | Kris Kelson | 50 Greenfield Ave, San Anselmo, CA, 94960-2415 | 49.0 |
| 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 Clara County, CA | $829,600 | $1,507 | $1,110 | $2,050 | $940 |
| Los Altos, CA | $2,000,001 | $955 | $710 | $1,300 | $590 |
| West Santa Clara, CA | $2,000,001 | $781 | $580 | $1,060 | $480 |
| Newark, CA | $607,200 | $1,423 | $1,050 | $1,940 | $890 |
| El Granada, CA | $916,500 | $2,399 | $1,780 | $3,260 | $1,480 |
| Livermore-Pleasanton, CA | $749,500 | $1,448 | $1,070 | $1,970 | $900 |
| Santa Cruz, CA | $727,400 | $1,366 | $1,010 | $1,860 | $850 |
| Camino Tassajara, CA | $1,127,800 | $2,754 | $2,040 | $3,750 | $1,710 |
| Brentwood, CA | $482,600 | $1,371 | $1,010 | $1,860 | $850 |
| Stinson Beach, CA | $1,572,900 | $554 | $410 | $750 | $340 |
| Bolinas, CA | $1,216,800 | $2,882 | $2,130 | $3,920 | $1,790 |
| San Anselmo, CA | $963,300 | $950 | $700 | $1,290 | $590 |