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

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$207 $1,271
Superior Protection Discount -$148 $1,330
Fire & Security Discount -$118 $1,360
Hail Resistant Roof Discount -$44 $1,433
Newly Constructed Home Discount -$399 $1,079

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
San Luis Obispo County $1,500 $1,460 $2,960 $1,061 $2,561 $399
San Luis Obispo County, CA $700 $1,460 $2,160 $1,061 $1,761 $399
Santa Margarita, CA $200 $1,145 $1,345 $832 $1,032 $313
Pismo Beach, CA $1,000 $1,010 $2,010 $734 $1,734 $276
Grover Beach, CA $200 $920 $1,120 $669 $869 $251
El Paso de, CA $2,500 $780 $3,280 $567 $3,067 $213
Callender, CA $100 $1,851 $1,951 $1,345 $1,445 $506
Garey, CA $2,500 $2,293 $4,793 $1,666 $4,166 $627
Oak Shores, CA $300 $1,486 $1,786 $1,080 $1,380 $406
Vandenberg Village, CA $2,500 $737 $3,237 $536 $3,036 $201
Lost Hills, CA $200 $519 $719 $377 $577 $142

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 $443,400 $1,291 $960 $1,760 $800
San Luis Obispo County, CA $499,800 $1,478 $1,090 $2,010 $920
San Luis Obispo County, CA $499,800 $1,478 $1,090 $2,010 $920
Santa Margarita, CA $416,000 $1,159 $860 $1,580 $720
Pismo Beach, CA $660,000 $1,022 $760 $1,390 $630
Grover Beach, CA $446,800 $931 $690 $1,270 $580
El Paso de, CA $404,700 $790 $580 $1,070 $490
Callender, CA $658,500 $1,873 $1,390 $2,550 $1,160
Garey, CA $875,000 $2,321 $1,720 $3,160 $1,440
Oak Shores, CA $500,000 $1,504 $1,110 $2,050 $940
Vandenberg Village, CA $336,800 $746 $550 $1,010 $460
Lost Hills, CA $112,000 $525 $390 $710 $320

7 Ways to Get Discounts on Homeowners Insurance in San Luis Obispo County, CA

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