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Home Insurance Costs with Deductible Scenarios in San Luis Obispo, CA & Nearby Areas

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
(> $10,000 Deductible)
Low Deductible($)
($2500-$5000 Deductible)
San Luis Obispo $590,000 $806 $1,154
Blacklake $465,000 $599 $881
Arroyo Grande $465,000 $593 $832
Oceano $235,000 $351 $464
Edna $1,025,000 $1,357 $1,777
Woodlands $655,000 $851 $1,303
Cayucos $700,000 $924 $1,243
Los Osos $395,000 $552 $789
San Luis Obispo County $450,000 $651 $814
Morro Bay $495,000 $696 $935

Impact of Coverage Amount on Home Insurance Cost In San Luis Obispo, CA

Coverage Amount Home Insurance Cost ($)
$100000 $1,232
$250000 $1,478
$500000 $2,365
$750000 $3,075
$1000000 $3,936
More than $1000000 $4,551


San Luis Obispo, CA Homeowners Insurance Rates Compared to State & National Average Rates

Average Home Insurance Cost($)
National Average $1224
San Luis Obispo, CA Average Home Insurance Cost$1,120
State Average Home Insurance Cost$958
Difference Vs national Average-104

Best Home Insurance Quotes & Estimates for Properties Near San Luis Obispo, CA

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$5000 to $10,000 Deductible $357,000 $1050 Carmel St
$500 Deductible $472,500 $1870 Reservoir Canyon Rd
$1000-$2500 Deductible $491,500 $1850 Oak St, Casa St
$2500-$5000 Deductible $308,000 $680 Alrita St, Joyce Ct, Bishop St
$500- $1000 Deductible $570,000 $1610 Coyote Canyon Rd
$500- $1000 Deductible $259,500 $1080 Wild Cherry Canyon
$5000 to $10,000 Deductible $781,000 $2530 Clover Dr
$1000-$2500 Deductible $1,054,000 $4480 Carmel St

Top Homeowners Insurance Companies in San Luis Obispo, CA

Insurance Provider Average Homeowners Insurance Cost($)
Travelers $1,856
Farmers $1,748
AAA $830
California Automobile $639

San Luis Obispo, CA Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claims Free -157 963
One Claim +101 1221
Two Claims +123 1243