Gavop shows you how to buy homeowners insurance in Capitola, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Capitola, 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 | |
| 47th Ave, Sills Ct, Oakland Ave, Mar Vista Ave, Willowbrook Ln, Cordelia Ln, Newport Ave, Coates Dr, 45th Ave, Sellars Ct | $304,500 | $290,000 | $250,000-$300,000 | $357,000 | $320,000 | $350,000-$400,000 |
| Scriver St, Pepperwood Way, Wharf Rd, Lincoln Ave, Aptos Creek Rd, Mar Vista Ct, 32nd Ave, Orchard St, Hollister Ave, Loma Ave | $265,000 | $230,000 | $300,000-$350,000 | $257,500 | $210,000 | $200,000-$250,000 |
| 30th Ave, Dazzle Ln, Stockton Ave, Sacramento Ave, Beachgate Way, Sir Francis Ct, Saxon Ave, State Park Dr, Childers Ln, Jacqueline Ln | $288,000 | $270,000 | $250,000-$300,000 | $423,000 | $340,000 | $350,000-$400,000 |
| Bulb Ave, Mesa Dr, S Rodeo Gulch Rd, Grace St, S Main St, Bye Way, Sylvaner Cir, 30th Ave, Spreckles Dr, Grand Ave | $216,500 | $170,000 | $200,000-$250,000 | $265,500 | $230,000 | $200,000-$250,000 |
| Caldwell Dr, Cross Way, Prospect Ave, Wilshire Dr, Garden St, McGregor Dr, Pleasure Point Dr, 26th Ave, Santa Cruz Ave, Sutherland Ct | $432,500 | $400,000 | $300,000-$350,000 | $372,000 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$175 | $798 |
| Superior Protection Discount | -$97 | $876 |
| Fire & Security Discount | -$107 | $866 |
| Hail Resistant Roof Discount | -$29 | $944 |
| Newly Constructed Home Discount | -$234 | $739 |
| 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 Cruz County | $1,000 | $1,251 | $2,251 | $909 | $1,909 | $342 |
| Capitola, CA | $2,500 | $961 | $3,461 | $699 | $3,199 | $263 |
| Paradise Park, CA | $200 | $734 | $934 | $533 | $733 | $201 |
| Mount Hermon, CA | $700 | $1,740 | $2,440 | $1,264 | $1,964 | $475 |
| Freedom, CA | $200 | $1,269 | $1,469 | $922 | $1,122 | $347 |
| Boulder Creek, CA | $2,500 | $963 | $3,463 | $700 | $3,200 | $263 |
| Del Rey Oaks, CA | $400 | $1,586 | $1,986 | $1,152 | $1,552 | $433 |
| Alum Rock, CA | $2,500 | $990 | $3,490 | $720 | $3,220 | $271 |
| East Foothills, CA | $200 | $1,134 | $1,334 | $824 | $1,024 | $310 |
| Milpitas, CA | $700 | $1,316 | $2,016 | $956 | $1,656 | $360 |
| Livermore-Pleasanton, CA | $400 | $1,431 | $1,831 | $1,040 | $1,440 | $391 |
| Cherryland, CA | $1,500 | $801 | $2,301 | $582 | $2,082 | $219 |
| Home Insurance Company Capitola, CA | Homeowners Insurance Agency Capitola, CA | Address | Popularity Score | Distance from Capitola (miles) |
|---|---|---|---|---|
| State Farm | Randy Chang | 1328 W El Camino Real Ste 2, Mountain View, CA, 94040-2499 | 29.4 | |
| Allstate | Laurie Mcclellan | 257 E Campbell Ave Ste 1, Campbell, CA, 95008 | 21.5 | |
| State Farm | Kelly Qu | 4620 Fortran Drive Suite 203, San Jose, CA, 95134-2322 | 30.8 | |
| Farmers | Julie Perry | 505 Lighthouse Ave Ste 103, Pacific Grove, CA, 93950 | 24.6 | |
| Farmers | Brenda Horder | 341 Tres Pinos Rd Ste 205b, Hollister, CA, 95023 | 32.3 | |
| Liberty Mutual Independent | Cavalry Insurance Services | 1660 S Amphlett Blvd Ste 208, San Mateo, CA, 94402 | 44.6 | |
| State Farm | Mario Quezada | 441 N 1st St, San Jose, CA, 95112-4019 | 25.5 | |
| Allstate | Richard Dusablon | 950 Thompson St, Milpitas, CA, 95035 | 30.6 | |
| State Farm | Greg Pond | 455 Los Gatos Blvd Ste 205, Los Gatos, CA, 95032-5523 | 17.5 | |
| Farmers | Al Chavez | 4820 Harwood Rd Ste 150, San Jose, CA, 95124 | 19.0 |
| 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 Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Capitola, CA | $585,100 | $973 | $720 | $1,320 | $600 |
| Paradise Park, CA | $265,700 | $743 | $550 | $1,010 | $460 |
| Mount Hermon, CA | $608,800 | $1,761 | $1,300 | $2,390 | $1,090 |
| Freedom, CA | $442,000 | $1,284 | $950 | $1,750 | $800 |
| Boulder Creek, CA | $487,600 | $975 | $720 | $1,330 | $610 |
| Del Rey Oaks, CA | $541,900 | $1,605 | $1,190 | $2,180 | $990 |
| Alum Rock, CA | $511,600 | $1,002 | $740 | $1,360 | $620 |
| East Foothills, CA | $767,700 | $1,148 | $850 | $1,560 | $710 |
| Milpitas, CA | $704,300 | $1,332 | $990 | $1,810 | $820 |
| Livermore-Pleasanton, CA | $749,500 | $1,448 | $1,070 | $1,970 | $900 |
| Cherryland, CA | $364,100 | $811 | $600 | $1,100 | $500 |