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Home Insurance Costs with Deductible Scenarios in Santa Barbara, CA & Nearby Areas

Place Name/Near by place Typical Insured Amount ($) High Deductible($)
($5000 to $10,000 Deductible)
Low Deductible($)
($1000-$2500 Deductible)
Santa Barbara $820,000 $1,302 $1,618
Santa Barbara $820,000 $1,302 $1,618
Goleta $635,000 $989 $1,372
Lompoc $255,000 $438 $526
Ojai $595,000 $862 $1,258
Casa Conejo $435,000 $715 $851
Mira Monte $465,000 $759 $1,004
Solvang-Santa Ynez $635,000 $1,012 $1,316
Vandenberg Village $305,000 $471 $679
Las Posas $825,000 $1,263 $1,799

Impact of Coverage Amount on Home Insurance Cost In Santa Barbara, CA

Coverage Amount Home Insurance Cost ($)
$100000 $873
$250000 $1,048
$500000 $1,677
$750000 $2,180
$1000000 $2,790
More than $1000000 $3,226


Santa Barbara, CA Homeowners Insurance Rates Compared to State & National Average Rates

Average Home Insurance Cost($)
National Average $1224
Santa Barbara, CA Average Home Insurance Cost$794
State Average Home Insurance Cost$958
Difference Vs national Average-430

Best Home Insurance Quotes & Estimates for Properties Near Santa Barbara, CA

Deductible ($) Home Value ($) Homeowners Insurance Cost ($) Location
$5000 to $10,000 Deductible $188,000 $590 Birchwood Rd
$2500-$5000 Deductible $765,500 $2520 la Riata Ln
$5000 to $10,000 Deductible $324,500 $710 Fawn Pl
$500- $1000 Deductible $599,500 $2860 Garden Ln
$1000-$2500 Deductible $744,000 $2780 Ancona Ave, Rochester Way, Saint Albans Pl
$5000 to $10,000 Deductible $302,500 $860 Ellwood Ridge Rd
> $10,000 Deductible $487,500 $1010 W Islay St
$500 Deductible $627,500 $2570 Mission Ridge Rd

Top Homeowners Insurance Companies in Santa Barbara, CA

Insurance Provider Average Homeowners Insurance Cost($)
Liberty Mutual $2,534
Travelers $1,856
USAA $877
California Automobile $639

Santa Barbara, CA Home Insurance Discounts For Different Number of Claims

Type Discount/Extra Cost in ($) Premium After Claim Payout ($)
Claims Free -48 746
One Claim +71 865
Two Claims +95 889