How Can I Make My San Luis Obispo County, CA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in San Luis Obispo County, 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.

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Select the Suitable Coverage Value for your San Luis Obispo County, CA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $103,000 $90,000 $100,000-$125,000
2 Bedroom $196,500 $180,000 $150,000-$175,000
3 Bedroom $263,500 $210,000 $250,000-$300,000
4 Bedroom $460,500 $410,000 $400,000-$500,000
5 Bedroom $292,000 $230,000 $250,000-$300,000

Estimate your Savings with Home Insurance Discounts in San Luis Obispo County, CA | Back to Top

This table lists savings for a median home value of $449,300 and an average premium of $1,327

Discount Type Premium After Discount
Multipolicy Discounts $1,247
Superior Protection Discount $1,220
Fire & Security Discounts $1,207

Choose the Right Deductible for your San Luis Obispo County, CA Home | Back to Top

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
California $300 $1,180 $1,480 $980 $1,280 $200
San Luis Obispo County, CA $1,500 $1,800 $2,300 $1,540 $3,040 $-740
San Luis Obispo County, CA $700 $1,960 $2,460 $1,650 $2,350 $110
Santa Margarita, CA $200 $1,340 $1,540 $1,090 $1,290 $250
Pismo Beach, CA $1,000 $1,540 $2,040 $1,260 $2,260 $-220
Grover Beach, CA $200 $1,830 $2,030 $1,520 $1,720 $310
El Paso de, CA $2,500 $1,280 $1,780 $1,110 $3,610 $-1,830
Callender, CA $100 $1,890 $1,990 $1,550 $1,650 $340
Garey, CA $2,500 $1,320 $1,820 $1,090 $3,590 $-1,770
Oak Shores, CA $300 $1,410 $1,710 $1,190 $1,490 $220
Vandenberg Village, CA $2,500 $1,130 $1,630 $910 $3,410 $-1,780
Lost Hills, CA $200 $570 $770 $490 $690 $80

Identify Top Home Insurance Agents near San Luis Obispo County, CA | Back to Top

Home Insurance Company San Luis Obispo County, CA Homeowners Insurance Agency San Luis Obispo County, CA Address Popularity Score Distance from San Luis Obispo County (miles)
Travelers E C Loomis & Son Insurance Assoc 220 Traffic Way, Arroyo Grande, CA, 93420
19.7
State Farm Courtney Morrow 72 S Main St Ste B, Templeton, CA, 93465-9787
18.5
Travelers E C Loomis & Son Insurance Assoc 220 Traffic Way Arroyo Grande, Arroyo Grande, CA, 93420
19.7
State Farm Steve Weber 526 Spring St, Paso Robles, CA, 93446-3170
21.2
State Farm Rick Goree 1947 Spring St, Paso Robles, CA, 93446-1619
22.0
Farmers Sue Hubbard 7730 Morro Rd Ste 206, Atascadero, CA, 93422
13.9
State Farm Rob Railsback 340 James Way Ste 230, Pismo Beach, CA, 93449-2880
19.8
Farmers Joy Swann 1228 Broad St, San Luis Obispo, CA, 93401
14.3
Farmers Daniel Phillips Lutcf 8800 El Camino Real, Atascadero, CA, 93422
13.0
Travelers David Tennant 1303 E Grand Ave Suite 111, Arroyo Grande, CA, 93420
20.3

Compare Rates for San Luis Obispo County, CA Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
California $383,900 $1,380 $1,020 $1,880 $860
San Luis Obispo County, CA $449,300 $1,890 $1,400 $2,570 $1,170
San Luis Obispo County, CA $449,300 $1,750 $1,300 $2,380 $1,080
Santa Margarita, CA $327,600 $1,240 $920 $1,690 $770
Pismo Beach, CA $608,400 $1,220 $900 $1,660 $760
Grover Beach, CA $402,800 $1,890 $1,400 $2,570 $1,170
El Paso de, CA $369,800 $1,220 $900 $1,660 $760
Callender, CA $766,900 $2,150 $1,590 $2,920 $1,330
Garey, CA $468,200 $1,870 $1,380 $2,540 $1,160
Oak Shores, CA $408,300 $1,390 $1,030 $1,890 $860
Vandenberg Village, CA $324,900 $1,140 $840 $1,550 $710
Lost Hills, CA $118,800 $620 $460 $840 $380

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