Gavop's guide to buying homeowners insurance in Monterey, 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.
| Monterey, 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 | |
| Toda Vis, Littleness Ave, Via Robles, Golden Oaks Ln, Hoffman Ave, Patton Ave, Granite St, Wood St, Belden St, Monterra Ranch Rd | $470,500 | $410,000 | $350,000-$400,000 | $423,000 | $400,000 | $500,000-$600,000 |
| Mitts Ln, Deakin Cir, Canyon del Rey Blvd, Casanova Ave, Viejo Rd, Helvic Ave, Church St, Houston St, Dundee Dr, Newton St | $236,500 | $200,000 | $250,000-$300,000 | $347,000 | $290,000 | $350,000-$400,000 |
| Etna Pl, Kit Carson Rd, Munras Ave, Doud St, Hawthorne St, Adams St, Victoria Vale, Via Esperanza, Montecito Ave, Major Sherman Ln | $472,000 | $420,000 | $400,000-$500,000 | $567,500 | $530,000 | $500,000-$600,000 |
| Dickman Ave, Imperial St, Farragut Rd, Ocean View Ave, Pinehill Way, Toyon Dr, Blue Larkspur Ln, Jefferson St, Munras Ave, Mesa Rd | $295,000 | $270,000 | $250,000-$300,000 | $289,500 | $270,000 | $300,000-$350,000 |
| Jacks Peak Rd, Bartolomea Way, Foam St, Columbus Ave, Via Arcerolo Dr, Ramona Ave, Pvt Bolio Rd, State Rte 218, W Franklin St, Barnet Segal Ln | $625,500 | $590,000 | $500,000-$600,000 | $578,000 | $460,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$192 | $874 |
| Superior Protection Discount | -$107 | $959 |
| Fire & Security Discount | -$107 | $959 |
| Hail Resistant Roof Discount | -$32 | $1,034 |
| Newly Constructed Home Discount | -$277 | $789 |
| 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 |
| Monterey County | $2,500 | $1,175 | $3,675 | $854 | $3,354 | $321 |
| Monterey, CA | $2,500 | $1,053 | $3,553 | $765 | $3,265 | $288 |
| Seaside, CA | $400 | $1,056 | $1,456 | $767 | $1,167 | $289 |
| Marina, CA | $2,500 | $866 | $3,366 | $629 | $3,129 | $237 |
| Carmel Valley Village, CA | $300 | $2,315 | $2,615 | $1,682 | $1,982 | $633 |
| Elkhorn, CA | $700 | $1,333 | $2,033 | $969 | $1,669 | $364 |
| Watsonville, CA | $100 | $1,216 | $1,316 | $883 | $983 | $332 |
| Aptos Hills-Larkin Valley, CA | $1,500 | $2,090 | $3,590 | $1,519 | $3,019 | $571 |
| Paradise Park, CA | $200 | $734 | $934 | $533 | $733 | $201 |
| Scotts Valley, CA | $2,500 | $1,078 | $3,578 | $783 | $3,283 | $295 |
| Hollister, CA | $300 | $1,179 | $1,479 | $857 | $1,157 | $322 |
| San Lorenzo Valley, CA | $700 | $970 | $1,670 | $705 | $1,405 | $265 |
| Home Insurance Company Monterey, CA | Homeowners Insurance Agency Monterey, CA | Address | Popularity Score | Distance from Monterey (miles) |
|---|---|---|---|---|
| Allstate | Laurie Mcclellan | 257 E Campbell Ave Ste 1, Campbell, CA, 95008 | 47.4 | |
| State Farm | Holly Labarber | 2190 S Bascom Ave, Campbell, CA, 95008-3206 | 47.1 | |
| Travelers | Coverage Plus Insurance Agency | 750 E Mcglincy Ln Ste 109, Campbell, CA, 95008 | 46.8 | |
| Farmers | Laurrie Pike | 498 Pearl St Ste 2, Monterey, CA, 93940 | 0.5 | |
| Farmers | Dave Molinari | 6110 Camino Verde Dr Ste 5, San Jose, CA, 95119 | 44.0 | |
| Farmers | Robert Love | 4340 Almaden Expy Ste 200, San Jose, CA, 95118 | 45.7 | |
| State Farm | Jim Fiorentino | 3150 Almaden Expy Ste 204, San Jose, CA, 95118-1253 | 46.6 | |
| Farmers | Al Chavez | 4820 Harwood Rd Ste 150, San Jose, CA, 95124 | 44.8 | |
| State Farm | Tom Mckinney | 716 Lighthouse Ave Ste B, Pacific Grove, CA, 93950-2567 | 2.6 | |
| State Farm | Todd Scott | 860 S Winchester Blvd Ste C, San Jose, CA, 95128-2962 | 49.1 |
| 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 |
| Monterey County, CA | $441,000 | $1,189 | $880 | $1,620 | $740 |
| Monterey, CA | $696,200 | $1,066 | $790 | $1,450 | $660 |
| Seaside, CA | $413,600 | $1,069 | $790 | $1,450 | $660 |
| Marina, CA | $431,800 | $877 | $650 | $1,190 | $540 |
| Carmel Valley Village, CA | $886,900 | $2,343 | $1,730 | $3,190 | $1,460 |
| Elkhorn, CA | $454,000 | $1,349 | $1,000 | $1,830 | $830 |
| Watsonville, CA | $457,200 | $1,230 | $910 | $1,670 | $760 |
| Aptos Hills-Larkin Valley, CA | $771,500 | $2,115 | $1,570 | $2,880 | $1,310 |
| Paradise Park, CA | $265,700 | $743 | $550 | $1,010 | $460 |
| Scotts Valley, CA | $717,800 | $1,091 | $810 | $1,480 | $670 |
| Hollister, CA | $449,900 | $1,193 | $880 | $1,620 | $740 |
| San Lorenzo Valley, CA | $591,900 | $982 | $730 | $1,340 | $610 |