How Can I Make My Monterey, CA Home Insurance Cheaper

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.

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Estimate Appropriate Monterey, CA Home Insurance Coverage Levels | Back to Top

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

Choose the Best Monterey, CA Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 500-549 Credit Score No Income 2 Pets, Smoker $1,590
Part Time Job 550-599 Credit Score <$25,000 1 Pet, Smoker $480
Freelancer 750-799 Credit Score >$150,000 3 Pets, Smoker $280

Choose the Right Deductible for your Monterey, 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 $1,500 $1,800 $1,290 $1,590 $210
Monterey County, CA $2,500 $1,410 $1,910 $1,140 $3,640 $-1,730
Monterey, CA $2,500 $1,320 $1,820 $1,160 $3,660 $-1,840
Seaside, CA $400 $1,900 $2,300 $1,600 $2,000 $300
Marina, CA $2,500 $1,320 $1,820 $1,140 $3,640 $-1,820
Carmel Valley Village, CA $300 $1,740 $2,040 $1,430 $1,730 $310
Elkhorn, CA $700 $1,330 $1,830 $1,120 $1,820 $10
Watsonville, CA $100 $1,780 $1,880 $1,490 $1,590 $290
Aptos Hills-Larkin Valley, CA $1,500 $1,670 $2,170 $1,430 $2,930 $-760
Paradise Park, CA $200 $1,190 $1,390 $1,000 $1,200 $190
Scotts Valley, CA $2,500 $2,370 $2,870 $1,960 $4,460 $-1,590
Hollister, CA $300 $1,460 $1,760 $1,220 $1,520 $240
San Lorenzo Valley, CA $700 $2,180 $2,680 $1,800 $2,500 $180

Identify Top Home Insurance Agents near Monterey, CA | Back to Top

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

Compare Rates for Monterey, 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 $1,420 $1,050 $1,930 $880
Monterey County, CA $390,400 $1,520 $1,120 $2,070 $950
Monterey, CA $659,900 $1,390 $1,030 $1,890 $860
Seaside, CA $407,500 $1,790 $1,320 $2,430 $1,110
Marina, CA $375,600 $1,770 $1,310 $2,410 $1,100
Carmel Valley Village, CA $704,900 $1,620 $1,200 $2,200 $1,000
Elkhorn, CA $424,700 $2,080 $1,540 $2,830 $1,290
Watsonville, CA $386,500 $1,510 $1,120 $2,050 $930
Aptos Hills-Larkin Valley, CA $571,000 $2,570 $1,900 $3,500 $1,600
Paradise Park, CA $290,200 $1,480 $1,100 $2,010 $910
Scotts Valley, CA $579,900 $2,780 $2,060 $3,780 $1,720
Hollister, CA $350,300 $1,440 $1,070 $1,960 $890
San Lorenzo Valley, CA $538,300 $2,310 $1,710 $3,140 $1,430