Homeowners Insurance San Luis Obispo
Homeowners Insurance San Luis Obispo County, CA just got easier with our list of homeowners insurance San Luis Obispo. We can also provide multi-line services to improve coverage and reduce your monthly car insurance costs. If you combine your home and car, we can help you apply for extra savings. But first, we’ll help you figure out which homeowners insurance policy is best for you for your home in San Luis Obispo County.
Average Home Insurance Rates in San Luis Obispo County, CA
Homeowners Insurance San Luis Obispo, CA currently pay about $98.08 per month for standard HO-3 homeowners insurance. In California, your premium may be in the average range of $1,177 per year, this estimate is based on a type of HO-3 homeowners insurance policy that may include the minimum coverage required by your mortgage company. This is why a large number of homeowners are now shopping online in San Luis Obispo County, CA to help them find cheaper rates with better coverage. A standard homeowner’s policy will help protect you from wind storms, lightning, and fire damage. Our process helps you assess additional coverage for risks such as floods, wind and hail, hurricanes, and even earthquakes.
For all residents of San Luis Obispo County, CA, please select your city below to learn more about homeowners insurance in your area. The information includes city demographics, data, and average homeowner premium rates on an annual and monthly basis. To find insurance rates near you, click on your city below.
Top 5 Homeowners Insurance San Luis Obispo
1. Arnoldussen – Homeowners Insurance, Auto Insurance, RV Insurance, and Business Insurance for San Luis Obispo Residents
If you’ve been searching the web for the cheapest car insurance in San Luis Obispo, California, you can stop here. The Arnoldussen Agency has been providing low-cost car, motorcycle, and RV insurance for over three decades, and this level of longevity speaks volumes about our place within the community. When you choose Arnoldussen Associates, you receive world-class service at every level and get the most value for your auto insurance dollar.
San Luis Obispo is a beautiful, historic city that was originally founded in 1772. It is now considered a college town as it is home to California Polytechnic State University. It’s a great place to call home and they love working with the residents. From Chorro to Avila Beach and everywhere in between, for Homeowners Insurance San Luis Obispo, CA, Arnoldussen Associates is the trusted source.
Arnoldussen Homeowners Insurance San Luis Obispo Service
Arnoldussen is a full-service agency, so they also offer home insurance. It can be difficult to understand all the details, and they are committed to educating our customers so they can make fully informed decisions. In addition to traditional single-family home insurance, they also offer mobile home insurance and renters insurance in San Luis Obispo, California.
This is a coastal community so flooding is always a possibility. Many people are not aware of the fact that standard home contents insurance does not cover flood damage. The good news is that you can add additional flood insurance, and Arnoldussen’s Homeowners Insurance San Luis Obispo will be happy to connect you with the coverage you need to move forward with peace of mind.
2. State Farm® for homeowners insurance in San Luis Obispo, CA
State Farm® can help you insure almost anything. Whether it’s car, boat, home, ATV, or RV insurance, they’ve got you covered. You can get a personalized quote online or from an agent to make insurance affordable with a personalized pricing plan. New auto insurance customers report savings of nearly $50 per month. Help protect what matters to you by getting insurance in San Luis Obispo, CA today!
Whether you own or rent, they may be able to help you with property and homeowners insurance San Luis Obispo. Homeowners should have the confidence that homeowners insurance provides. It can cover losses due to weather conditions and sudden accidents. If you live in a condominium, there is condominium owner insurance, which can protect your home against fire, theft, and other covered losses. You can also get tenant protection. Renter’s insurance covers things in your home and storage, such as your bike, TV, and furniture.
The benefits don’t stop there. You may be able to save when you combine the purchase of a renters, condominium, or homeowners policy with State Farm auto insurance! More homeowners choose State Farm for their home insurance than any other insurer. You could too. Request a quote to see your insurance rates in San Luis Obispo.
3. Engle & Associates San Luis Obispo Homeowners Insurance
Engle & Associates understands that your home is perhaps your most valuable asset. That’s why they work hard to give you the best coverage, tailored to your needs, at a reasonable price.
Engle & Associates Insurance coverage for homeowners in San Luis Obispo
Coverage A – Housing
This coverage protects your home’s structure from hazards such as wind or fire.
Cover B – Other textures
If you have detached structures, such as a garage or tool shed, this coverage will protect them.
Coverage C – Personal Property
This cover protects your belongings. Furniture, appliances, clothing, and similar items are covered up to a percentage of your Cover A limit. This percentage is usually 70% of Cover A, but you can select it yourself. Because some possessions have a special value and are better insured specifically, your Homeowners Policy limits the amount you can charge for items such as jewelry, furs, and fine art. To make sure you have adequate protection for these items, you must take out specific insurance for these items, called planning. Please contact our office to discuss scheduling for your valuables.
Coverage D – Loss of Use
Loss of use pays for the additional cost of living if your home is not habitable due to an event covered by your policy.
Coverage E – Personal Liability
Personal liability protects you from claims against you for injury to others or their property. This coverage also covers defense costs if you are sued as a result of injury to others or their property.
Optional Covers
Important optional covers are:
- Comprehensive coverage for homeowners that provides coverage above the limits of Coverage A when needed
- Increased building code coverage to pay for the extra cost of upgrades to comply with building codes
- Replacement Fee Content to replace your belongings in lieu of payment at a depreciated value
- Personal Property Scheduled for specific coverage of valuable items such as jewelry
4. Jack Clark insurance services for homeowners
At Jack Clark Insurance Services, Inc. do they know how hard you’ve worked to make your house a home? Since your home is one of the most important financial investments in your life, you need adequate coverage to protect your investment and assure your family that they will always be safe and sound.
Jack Clark Insurance Services, Inc. is your trusted homeowner’s insurance solution in San Luis Obispo. They offer coverage options that are flexible and affordable and will work with you on an individual basis to find the policy that is best for you. Your team is committed to ensuring that your family and belongings are safe.
Home insurance coverage options include:
- Contents insurance
- Owners Liability
- Renters Insurance
- Condominium Insurance
- Mobile home insurance
- Planned property insurance
- Insurance for homeowners
- Home business insurance
5. AIG homeowners insurance in San Luis Obispo
Homeowners who want a quality customer service experience should consider AIG. The company has a very low NAIC complaint rate, meaning it receives fewer complaints than other insurers of its size. It also received an above-average score in J.D.’s annual customer satisfaction survey. Current. While customer service may not be your top priority every day, it’s important to have an insurer you can trust if you need to file a claim.
In addition to excellent customer service, AIG offers several useful coverage add-ons. Homeowners Insurance San Luis Obispo can take advantage of the Free Wildfire Protection Unit, which offers personalized wildfire prevention advice and fire monitoring support.
However, AIG’s rates are the highest we’ve found in California. On average, homeowners can expect to pay $2,952 per year for an AIG policy, which is $1,225 more than the statewide average price.
Homeowners Insurance San Luis Obispo Tips
- Make sure your home insurance policy covers wildfires, even if you’re in an area that hasn’t been hit by wildfires before.
- Review your policy with us every year. It’s a great opportunity to see if you qualify for additional discounts and to make sure your home, buildings, and belongings are still adequately covered.
- Understand how claims work. They will honor all claims submitted within 15 days or less. California law gives them 40 days to accept or deny a claim after proof of loss has been received and verified. All accepted claims are paid within 30 days of settlement (or sooner).
Cheapest Homeowners Insurance San Luis Obispo rates
For homes in the large city of San Luis Obispo, you can expect to pay less than the median home insurance rate in California, which is currently around $1,177 per year for a standard homeowner policy. Factors that will determine your lowest homeowners insurance rate for your home in San Luis Obispo include the type of construction, coverage limits, policy recommendations, and homeowners insurance discounts. Our comparison process includes the best rates with enhanced coverage that will help create the most affordable homeowners insurance policy because we include all available discounts that the company you choose has to offer.
DISCOUNTS FOR HOMEOWNERS IN SAN LUIS OBISPO COUNTY
As a homeowner, you need to understand that insurance companies view homes as a risk. If you can lower any of the risk factors that determine your premium, it’s best to follow these important guidelines to save money on your California homeowners insurance.
- Install a smoke alarm in every room – You need to do this for your safety, so why not install a smoke alarm in every room? Show your home insurance company that safety comes first. Once you have them installed, take out home insurance and state that you have taken proper safety precautions to mitigate home fires. For San Luis Obispo County homeowners, this discount can save up to 20% on your homeowner’s insurance premium.
- Combine your home and car insurance in one package – any home insurance company will want your business. You must offer this option to combine your home and car insurance in one package. You can also see if you can open a life or health insurance account. Consolidating all your insurance policies into one company saves you money. Homeowners Insurance San Luis Obispo County who combine their home and car can save more than $500 with this discount.
- Install a home security system – Your home insurance company should reward you for installing a home security system, sometimes as much as 22%. You need to take precautions and reduce the risk of someone breaking into your home in San Luis Obispo County. This is one of the questions you want to ask your home insurance agent to see if you qualify for this discount. If you don’t, make sure to buy from other companies to get the “Home Security Discount”.
- Buy a fire extinguisher: Although smoke detectors warn, it’s best to be prepared. This may or may not result in an independent discount, but it shows your seriousness when it comes to reducing risk.
- Quit Smoking: It’s important to protect your health and your home. If you don’t smoke or if no one smokes in the house, this can save you up to 18% on your home insurance premium.
San Luis Obispo, CA Homeowners Insurance By Home Value
| San Luis Obispo, CA Home Value | Total Homes | % of Total | Average San Luis Obispo, CA Homeowners Insurance |
| Less than $50,000 | 184 | 7.0% | $26 |
| $50,000 to $59,999 | 47 | 1.0% | $59 |
| $60,000 to $69,999 | 28 | 1.0% | $72 |
| $70,000 to $79,999 | 153 | 6.0% | $85 |
| $80,000 to $89,999 | 77 | 3.0% | $92 |
| $90,000 to $99,999 | 94 | 3.0% | $105 |
| $100,000 to $124,999 | 122 | 5.0% | $125 |
| $125,000 to $149,999 | 102 | 4.0% | $151 |
| $150,000 to $174,999 | 203 | 8.0% | $184 |
| $175,000 to $199,999 | 151 | 6.0% | $210 |
| $200,000 to $249,999 | 121 | 5.0% | $257 |
| $250,000 to $299,999 | 203 | 8.0% | $309 |
| $300,000 to $399,999 | 935 | 38.0% | $395 |
Cost Of Homeowners Insurance By Street Near San Luis Obispo, CA
| Streets in San Luis Obispo Area | Homeowners Insurance Cost |
| Foothill Blvd, Cerro Robles, Humbert Ave, Encanto Ln, Warren Way, George St, Harmony Way, Sycamore Dr, Via Ensenada, Gathe Dr | $654 |
| Corral de Piedra Rd, Glennheim Ct, Lakeview St, Castillo Rd, Pasatiempo Dr, N Chorro St, Pennington Creek Rd, Birkdale Ln, Cordova Dr, Serpa Ranch Rd | $688 |
| Exposition Dr, Park St, Sequoia Dr, State Hwy 227, Bahia Ct, Stanford Dr, Oak St, Elks Ln, Suburban Rd, Woodbridge St | $655 |
| Osos St, Stoneridge Dr, Ironbark St, el Cerrito St, Ilene Dr, Sterling Ln, Miraleste Dr, Filaree Way, Oceanaire Dr, la Cita Ct | $640 |
| Casitas Ct, Poinsettia Ct, Taft St, Industrial Way, Carpenter St, Serrano Cir, Stafford St, Sylvia Ct, Empresa Dr, Twin Ridge Dr | $666 |
San Luis Obispo, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
| San Luis Obispo | $98 to $101 |
| Los Ranchos | $105 |
| Avilla Beach | $98 |
| Edna | $109 |
San Luis Obispo, CA Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
| Los Ranchos CDP, California | $105 | $140 | $210 |
| Avilla Beach CDP, California | $98 | $131 | $197 |
| Edna CDP, California | $109 | $145 | $218 |
San Luis Obispo, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
| San Luis Obispo, CA | 2.3% | 10.2% |
| Los Ranchos | 1.66% | 7.25% |
| Avilla Beach | 1.9% | 8.06% |
| Pismo Beach | 2.36% | 12.07% |
San Luis Obispo Renters Insurance as a Percentage of Rent
| San Luis Obispo Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
| $200 to $299 | 119 | 1.0% | $768 |
| $300 to $499 | 246 | 2.0% | $1218 |
| $500 to $749 | 812 | 6.0% | $1893 |
| $750 to $999 | 2,407 | 20.0% | $2643 |
| $1,000 to $1,499 | 4,250 | 36.0% | $3768 |
| $1,500 or more | 3,892 | 33.0% | $5418 |
Average Cost Of Home Insurance By Company In Areas Nearby San Luis Obispo For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
| 250000 | 1000 | New | Homesite | 639 |
| 250000 | 1000 | New | Horace Mann P & C | 387 |
| 300000 | 500 | New | Stillwater Prop & Cas Co | 424 |
| 300000 | 500 | New | Universal North America | 354 |
| 750000 | 2500 | New | IDS Property Casualty | 1005 |
| 750000 | 2500 | New | Nationwide | 804 |
| 750000 | 2500 | New | Universal North America | 655 |
| 150000 | 250 | 1-3 Years | Century National | 403 |
| 150000 | 250 | 1-3 Years | Unigard Group | 358 |
| 250000 | 1000 | 1-3 Years | USAA | 383 |
| 250000 | 500 | 1-3 Years | Horace Mann | 372 |
| 500000 | 1000 | 1-3 Years | Liberty Ins Corp | 755 |
| 150000 | 500 | 4-6 Years | Horace Mann | 238 |
| 200000 | 500 | 4-6 Years | Universal North America | 347 |
| 300000 | 500 | 4-6 Years | Mercury Ins Group | 391 |
| 500000 | 1000 | 4-6 Years | Homesite | 1228 |
| 500000 | 1000 | 4-6 Years | Pacific Specialty | 993 |
| 500000 | 2500 | 4-6 Years | General Ins | 442 |
| 500000 | 2500 | 4-6 Years | Horace Mann P & C | 839 |
| 750000 | 2500 | 4-6 Years | Foremost Insurance | 3029 |
| 750000 | 2500 | 4-6 Years | MAPFRE Group | 938 |
| 150000 | 500 | 7-15 Years | Amco | 447 |
| 150000 | 500 | 7-15 Years | American Security | 377 |
| 200000 | 500 | 7-15 Years | AIG Prop Cas | 694 |
