Gavop tells you how to get the best homeowners insurance in Oceano, CA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $100,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $292,000 | $270,000 | $300,000-$350,000 |
| 3 Bedroom | $380,500 | $340,000 | $350,000-$400,000 |
| 4 Bedroom | $521,500 | $430,000 | $500,000-$600,000 |
| 5 Bedroom | $252,500 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $632 |
| Superior Protection Discount | -$75 | $677 |
| Fire & Security Discount | -$68 | $685 |
| Hail Resistant Roof Discount | -$15 | $738 |
| Newly Constructed Home Discount | -$196 | $557 |
| 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 | $2,000 | $1,460 | $3,460 | $1,061 | $3,061 | $399 |
| Oceano, CA | $2,500 | $744 | $3,244 | $540 | $3,040 | $203 |
| Grover Beach, CA | $100 | $920 | $1,020 | $669 | $769 | $251 |
| Los Ranchos, CA | $2,000 | $2,294 | $4,294 | $1,667 | $3,667 | $627 |
| Santa Maria, CA | $300 | $824 | $1,124 | $599 | $899 | $225 |
| Los Alamos, CA | $100 | $1,321 | $1,421 | $960 | $1,060 | $361 |
| Atascadero, CA | $1,500 | $1,237 | $2,737 | $899 | $2,399 | $338 |
| El Paso de, CA | $100 | $780 | $880 | $567 | $667 | $213 |
| Paso Robles, CA | $700 | $1,098 | $1,798 | $798 | $1,498 | $300 |
| Ballard, CA | $200 | $2,313 | $2,513 | $1,681 | $1,881 | $632 |
| Home Insurance Company Oceano, CA | Homeowners Insurance Agency Oceano, CA | Address | Popularity Score | Distance from Oceano (miles) |
|---|---|---|---|---|
| Farmers | Rebecca Stouppe | 115 E College Ave Ste 3, Lompoc, CA, 93436 | 32.5 | |
| Travelers | E C Loomis & Son Insurance Assoc | 220 Traffic Way, Arroyo Grande, CA, 93420 | 2.2 | |
| Travelers | E C Loomis & Son Insurance Assoc | 220 Traffic Way Arroyo Grande, Arroyo Grande, CA, 93420 | 2.2 | |
| Allstate | Michelle Horenberger | 1975 S Broadway Ste H, Santa Maria, CA, 93454 | 15.6 | |
| Travelers | One West Insurance Services Inc | 3640 Sagunto St Ste 301, Santa Ynez, CA, 93460 | 45.2 | |
| State Farm | Rob Railsback | 340 James Way Ste 230, Pismo Beach, CA, 93449-2880 | 2.7 | |
| Travelers | David Tennant | 1303 E Grand Ave Suite 111, Arroyo Grande, CA, 93420 | 1.3 | |
| Farmers | Sergio Zepeda | 310 W Main St, Santa Maria, CA, 93458 | 14.0 | |
| Farmers | Breven Baima | 1750 El Camino Real Ste D, Grover Beach, CA, 93433 | 2.2 | |
| Allstate | Cindy Longstreth | 800 S Broadway Ste 101, Santa Maria, CA, 93454 | 14.6 |
| 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 |
| San Luis Obispo County, CA | $499,800 | $1,478 | $1,090 | $2,010 | $920 |
| Oceano, CA | $340,100 | $753 | $560 | $1,020 | $460 |
| Grover Beach, CA | $446,800 | $931 | $690 | $1,270 | $580 |
| Los Ranchos, CA | $876,000 | $2,322 | $1,720 | $3,160 | $1,440 |
| Santa Maria, CA | $325,800 | $834 | $620 | $1,130 | $510 |
| Los Alamos, CA | $451,900 | $1,337 | $990 | $1,820 | $830 |
| Atascadero, CA | $461,300 | $1,252 | $930 | $1,700 | $770 |
| El Paso de, CA | $404,700 | $790 | $580 | $1,070 | $490 |
| Paso Robles, CA | $423,900 | $1,111 | $820 | $1,510 | $690 |
| Ballard, CA | $885,900 | $2,341 | $1,730 | $3,180 | $1,450 |