How Can I Make My Santa Barbara, CA Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Santa Barbara, CA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Santa Barbara, CA Home Insurance Coverage Levels | Back to Top
| Santa Barbara, 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 | |
| San Pascual St, Cielo Ave, Cll Andalucia, Eucalyptus Hill Cir, E Las Tunas Rd, N Milpas St, N Nopal St, el Dorado Ln, Via Merano, N Salsipuedes St | $353,000 | $290,000 | $350,000-$400,000 | $419,000 | $360,000 | $350,000-$400,000 |
| Court Pl, E Los Olivos St, Lincolnwood Dr, Halkirk St, el Vedado Ln, Eucalyptus Hill Dr, W Sola St, Bella Vista Dr, la Paloma Ave, Laguna St | $675,500 | $590,000 | $600,000-$700,000 | $792,500 | $730,000 | $600,000-$700,000 |
| Picasso Rd, Ravenscroft Dr, Seville Rd, Burton Cir, Meadow Lark Ln, Kellogg Way, Westmoreland Pl, Mesa Rd, Picacho Ln, Silver Fern Ct | $429,000 | $350,000 | $350,000-$400,000 | $765,000 | $680,000 | $800,000-$900,000 |
| W Victoria St, Verano Dr, Blanchard St, Alvarado Pl, Cam Palomera, Queen Ann Ln, Robbins St, Santa Paula Ave, Brinkerhoff Ave, Pso del Ocaso | $631,500 | $590,000 | $500,000-$600,000 | $726,000 | $680,000 | $600,000-$700,000 |
| San Ysidro Ln, S la Patera Ln, Santa Ana Pl, Spring St, W Constance Ave, W Montecito St, Ridge Ln, Lyric Ln, Gould Ln, Pozzo Cir | $451,500 | $380,000 | $400,000-$500,000 | $712,000 | $600,000 | $600,000-$700,000 |
| Ribera Dr, Ardilla Dr, Sueno Rd, Marina Dr, Willowgrove Dr, Garden Ln, Deerhurst Dr, Valdez Ave, Mountain Ave, Santa Cruz Blvd | $397,500 | $360,000 | $350,000-$400,000 | $400,500 | $330,000 | $300,000-$350,000 |
| Via Encanto, Oak Grove Ln, Westwood Dr, Waldron Ave, Rinconada Rd, Red Rose Way, Cam Floral, Traci Dr, San Nicolas Ave, Oak View Ln | $331,000 | $270,000 | $350,000-$400,000 | $617,500 | $570,000 | $600,000-$700,000 |
| Greenworth Pl, Overpass Rd, Burns Pl, San Ysidro Rd, Oak Ave, Tila Pl, Debra Dr, de la Guerra Ter, Sheridan Ave, Monte Dr | $709,000 | $630,000 | $600,000-$700,000 | $789,500 | $660,000 | $700,000-$800,000 |
| Viscaino Rd, Sea Ledge Ln, Hacienda Way, San Leandro Pl, Saint Vincent Ave, Vis Bahia, del Playa Dr, E Anapamu St, Aviano Pl, Cardinal Ave | $447,500 | $380,000 | $500,000-$600,000 | $515,500 | $460,000 | $500,000-$600,000 |
| Via Messina, W de la Guerra St, Morada Ln, Las Canoas Ln, Cll del Sol, Pembroke Ct, E Las Tunas Rd, Dos Pueblos Canyon Rd, el Embarcadero Rd, Rosemary Ln | $629,000 | $570,000 | $500,000-$600,000 | $477,500 | $400,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Santa Barbara, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$197 | $1,034 |
| Superior Protection Discount | -$111 | $1,120 |
| Fire & Security Discount | -$98 | $1,132 |
| Hail Resistant Roof Discount | -$25 | $1,206 |
| Newly Constructed Home Discount | -$295 | $935 |
Choose the Right Deductible for your Santa Barbara, 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 |
| Santa Barbara County | $2,000 | $1,358 | $3,358 | $987 | $2,987 | $371 |
| Santa Barbara, CA | $2,500 | $1,216 | $3,716 | $884 | $3,384 | $332 |
| Mission Canyon, CA | $300 | $2,509 | $2,809 | $1,823 | $2,123 | $686 |
| Montecito, CA | $1,000 | $929 | $1,929 | $675 | $1,675 | $254 |
| Santa Barbara County, CA | $300 | $1,358 | $1,658 | $987 | $1,287 | $371 |
| San, CA | $2,000 | $989 | $2,989 | $719 | $2,719 | $270 |
| Ballard, CA | $500 | $2,313 | $2,813 | $1,681 | $2,181 | $632 |
| Buellton, CA | $1,000 | $1,359 | $2,359 | $987 | $1,987 | $371 |
| Port Hueneme, CA | $500 | $782 | $1,282 | $568 | $1,068 | $214 |
| El Rio, CA | $2,500 | $820 | $3,320 | $596 | $3,096 | $224 |
| Saticoy, CA | $200 | $919 | $1,119 | $668 | $868 | $251 |
| Lompoc, CA | $2,500 | $762 | $3,262 | $554 | $3,054 | $208 |
Identify Top Home Insurance Agents near Santa Barbara, CA | Back to Top
| Home Insurance Company Santa Barbara, CA | Homeowners Insurance Agency Santa Barbara, CA | Address | Popularity Score | Distance from Santa Barbara (miles) |
|---|---|---|---|---|
| State Farm | Dena Rogers | 2319 Alameda Ave Ste 2g, Ventura, CA, 93003-6777 | 42.3 | |
| State Farm | Charles Allison | 2371 N Oxnard Blvd, Oxnard, CA, 93036-2000 | 43.6 | |
| Travelers | Mgb Insurance Services Llc | 450 Rosewood Ave Ste 202, Camarillo, CA, 93010 | 50.0 | |
| State Farm | Irene Henry | 1445 Donlon St Ste 8, Ventura, CA, 93003-8388 | 40.9 | |
| Farmers | Dina Molina | 1701 Lombard St Ste 110, Oxnard, CA, 93030 | 45.0 | |
| Allstate | Michael Gourley | 1766 E Thompson Blvd # B, Ventura, CA, 93001 | 39.2 | |
| State Farm | Kory Robertson | 160 N Fairview Ave Ste 2, Goleta, CA, 93117-2338 | 25.6 | |
| State Farm | Tammy Dobrotin | 3015 State St Ste C, Santa Barbara, CA, 93105-3330 | 27.2 | |
| Farmers | Matthew Shrope | 2734 Johnson Dr Ste 203, Ventura, CA, 93003 | 42.9 | |
| State Farm | Michael Veseth | 1730 S Victoria Ave, Ste 200, Ventura, CA, 93003 | 42.3 |
Compare Rates for Santa Barbara, CA Home Insurance Providers | Back to Top
| 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 Barbara County, CA | $509,400 | $1,374 | $1,020 | $1,870 | $850 |
| Santa Barbara, CA | $890,800 | $1,231 | $910 | $1,670 | $760 |
| Mission Canyon, CA | $995,200 | $2,539 | $1,880 | $3,450 | $1,570 |
| Montecito, CA | $2,000,001 | $940 | $700 | $1,280 | $580 |
| Santa Barbara County, CA | $509,400 | $1,374 | $1,020 | $1,870 | $850 |
| San, CA | $493,800 | $1,001 | $740 | $1,360 | $620 |
| Ballard, CA | $885,900 | $2,341 | $1,730 | $3,180 | $1,450 |
| Buellton, CA | $458,600 | $1,375 | $1,020 | $1,870 | $850 |
| Port Hueneme, CA | $356,500 | $791 | $590 | $1,080 | $490 |
| El Rio, CA | $371,200 | $830 | $610 | $1,130 | $520 |
| Saticoy, CA | $352,500 | $930 | $690 | $1,260 | $570 |
| Lompoc, CA | $295,200 | $771 | $570 | $1,050 | $480 |
Research Home Insurance Companies Reviews in Santa Barbara, CA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: January 10, 2020 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
They are willing to answer any question and provide detailed, helpful information. Local agency is able to handle a majority of question answering and refer us when needed.
Date: December 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
My insurance company has many choices for home insurance. The policies they offer or higher in quality and lower in price compared to other companies.
Date: November 01, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Website/App
I like there website because it is very easy and clear to use. I can also put a claim on there page so it makes it faster and easy.
Date: August 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I have no idea what the other policy costs are so I have no idea.
Date: August 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
The house and the contents of the house are covered
. The pool and any outbuildings are covered
Date: July 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I like that it is easy to navigate. I don't like the fact that for homeowners claims don't allow you to contact anyone except by phones.
Date: July 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
They are polite and efficient. What I dislike is the way they close your claim too quickly.
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
They are quick and efficient with their communication until they aren't.
Mercury Home Insurance Reviews
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
The customer service was good. They speak clearly and offer help when needed. Fast and quick respond when I call in for help.
Date: September 27, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
Good coverage and provide earthquake coverage for my home. They also paid for leaking water damages. Many coverage options available to choose from.
Date: September 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The premium is less/cheaper than other insurance companies for the same coverage. There are many options to choose from.
Date: August 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
It's easy to use and navigate around. Easy to understand and full of information regarding coverage options. Easy to read.
Date: August 04, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Communication
Customer representatives were friendly and helpful. They ask questions to determine my need and offer great service. Customer representatives were knowledgeable and good with people.
Allstate Home Insurance Reviews
Date: December 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
The customer service is satisfactory, as they will answer any questions that you may have and respond in a reasonable amount of time if you file a claim. What I like from an insurance company is to have a low premium and help out.
Date: September 18, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
Dwelling coverage helps protect the physical structure of your home, like the walls, roof and any attached decks or garages. Another type of coverage is Other Structures protection for additional buildings.
Date: March 03, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have not really had the chance to use their customer service because I have not ran into any issues however they were very polite and nice when we first bought eh insurance from them.
Farmer's Insurance Home Insurance Reviews
Date: September 11, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
They are a great company, they take care of the insured very well and their premiums are pretty much in line with their competitors premiums.
Date: February 21, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I never compared policy with other insurance companies so I can't say much on that. However they do provide identity theft protection and in this day and age may come in handy.
Date: November 18, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
My experience with our current homeowner insurance is not so good. We had Germania for about twenty years and they were amazing. Our agent was extremely nice and courteous and very professional. The customer service was really good. The reason we switched over to Farmers is because the agent was a cousin to my husband and he said it was the best insurance ever, plus he was family and just about everyone in my husband's family changed over. Not satisfied at all with the insurance or the customer service. Most of my husband's family have switched to another insurance and we are looking into it now.
GEICO Home Insurance Reviews
Date: July 23, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
My premium is rather high which is not ideal and I have actually been searching other companies whose premium is cheaper.
Date: December 30, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I have never had to use my home insurance company. I ha e never had any damage which would be beneficial to claim. My rates are reasonably low, although I suspect they would increase if I were to make a claim
Progressive Home Insurance Reviews
Date: October 17, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I have no problem with them I am very satisfied with the work you have been doing so far since you are very responsible in your work
Liberty Mutual Home Insurance Reviews
Date: October 09, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
After signing up with Liberty Mutual, they reached out and made sure I was comfortable finishing up paper work. I have not heard from them since
American National Property and Casualty Company Home Insurance Reviews
Date: December 28, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Policy Offerings
It offers insurance for homes, condos, rental properties, and for apartment dwellers. The standard policy coverage is comprehensive and provides all the protection I need.