Check out the most popular Home Insurance agencies & companies in Santa Barbara, CA & compare the best quotes from them.
The average cost of home insurance in Santa Barbara, CA, is $1231. A home is arguably the most important and valuable asset you own. It is a huge investment and should be protected against risks. A comprehensive home insurance policy helps mitigate the financial impact of any unforeseen disasters like fire and theft. It covers the cost of repairing or replacing your house if anything is damaged.
Before shopping for home insurance in Santa Barbara, California, homeowners must search for the policy that meets their coverage needs and requirements. Below are a few elements covered under typical home insurance in Santa Barbara, CA.
a. Damage due to natural calamities like floods, earthquakes, etc.
b. Loss due to fire, lightning, or explosion
c. Theft of household items or any other personal belongings
d. Financial liability in case of an accident
e. Liability coverage
Below are top home insurance companies in Santa Barbara, CA.
Factors influencing home insurance in Santa Barbara, CA:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by materials used
4. Homeowners insurance rates by the number of claims
Homeowners insurance in Santa Barbara - Rates by coverage levels
No price fits all solution when it comes to protecting your home. Therefore, homeowners insurance providers offer customized choices to determine the amount of coverage for certain risks and select between different price levels. A homeowners insurance policy protects your home from perils like fire, theft, vandalism, and many more. It also shields certain other items that are part of your property.
Below is the cost of home insurance in Santa Barbara, CA, based on the coverage limit opted by Santa Barbara, California residents.
Homeowners insurance in Santa Barbara - Rates by deductibles
Typically, a home insurance deductible is the amount of money you pay out of pocket toward a claim before your insurance provides coverage. A standard homeowners insurance deductible is $500, but deductibles can range from $0 to $5,000 or more. You select your deductible when you apply for your policy, and it's a key component to determining your home insurance in Santa Barbara, CA.
In Santa Barbara, CA, homeowners typically choose to pay a deductible of 1000 and 1500, where the premium charged is $1100 and $1036, respectively. Homeowners who choose to pay a low deductible have to pay a higher premium. For instance, homeowners who opted for a deductible of 500 pay $1215 towards their home insurance in Santa Barbara, CA.
Homeowners insurance in Santa Barbara - Rates by the materials used
Your home's strength, durability, and engineering are evident in its longevity. Robust and durable building materials can last long generations, reducing the need for costly repairs or replacement. Therefore, insurance providers offer substantial discounts on a house that can withstand the elements of nature and other structural damages for a long span.
For instance, homeowners who use Masonry and Superior brick materials to construct their homes pay $1170 and $1108, respectively, on homeowners insurance in Santa Barbara, CA.
Homeowners insurance in Santa Barbara - Rates by the number of claims
Filing a claim with your home insurance provider is one of the easy ways to receive compensation for covered damages, but it also has drawbacks. Many claims will result in a rate hike of home insurance in Santa Barbara, and homeowners will probably have to pay more premiums in the future. If homeowners can afford to pay for any minor repairs out of pocket, they might be able to save themselves money over the long term.
For example, policyholders with zero claims can purchase their policy for as low as $1071 in Santa Barbara, CA. The premium is higher for policyholders with one or two claims. Homeowners pay around $1330 and $1391, respectively, on their homeowner insurance in Santa Barbara, CA.
Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
---|---|---|
GEICO | A++ | 13.8% |
Allstate | A+ | 5.91% |
Erie | A+ | 5.4% |
Nationwide | A+ | 4.15% |
Travelers | A++ | 3.18% |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Clark Taylor & Krasner | 370 Ventura Ave www.insurewow.com 93022 |
(805) 649-6090 | ||
A C Larson & Co | 1809 Cliff Dr Ste A 93109-1649 |
805-965-8934 | ||
Koty-Leavitt Insurance | 505 SOUTH A ST STE 100 www.koty-leavitt.com 93030 |
805-486-4701 Email:ferol-wegner@leavitt.com |
||
North Central Insurance Agency | 2734 JOHNSON DR STE 104 93003 |
(805) 650-3300 | ||
Abren Insurance | 4435 McGrath St Ste 310 93003-7736 |
805-644-7167 | ||
Kosich Insurance Agency Inc | 1833 PORTOLA RD STE A2 93003 |
805-648-6595 | ||
W Bruce Beaton Co Inc | 730 S B St, Suite 102 93030 |
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Dan Johnson & Assoc Ins Agcy Inc | 3015 State St 93105-3330 |
805-687-8480 | ||
Robert Wehn & Associates Insurance Agency Inc | 1701 Lombard St Ste 110 www.rw-ins.com 93030 |
(805) 983-2418 | ||
Trans-Union Insurance Agency Inc | 5266 Hollister Ave Ste 116 Santa\u00a0Barbara 93111 |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Anthony Fiacco | 1809 Cliff Dr Ste A 93109-1649 |
805-965-8934 | ||
Kotten Insurance | 500 ESPLANADE STE 900 93036 |
805-981-9585 | ||
Robert Wallace | 1701 Lombard St Ste 110 93030 |
(805) 760-7780 | ||
Robert Wiener | 2200 Roosevelt Blvd 93035 |
(805) 382-9200 | ||
Rick Zeleznik | 2020 S Victoria Ave Ste Aa 93003 |
(805) 644-7770 | ||
Chad Fox | 211 E Carrillo St Ste 201 93101-7179 |
805-963-1565 | ||
Norvin Vogel | 751 E DAILY DR STE 230 93010 |
(805) 388-7130 | ||
Debra Imus | 2686 Johnson Dr Ste 102 93003 |
(805) 659-4663 | ||
Michael Patterson | 207 West Mission Street 93101 |
1-805-898-2637 | ||
Robert Weissman | 136 E 5th St Ste D 93030 |
(805) 436-0323 |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Summers Insurance Agency Llc | 5755 Valentine Road, Suite 301 93003 |
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Kotz Associates Insurance | 961 NORTH RICE AVENUE SUITE 1A 93030 |
805-988-8810 | ||
Bond Insurance Agency Inc. | 500 E Esplanade Dr Ste 1275 www.bondins.com 93036-0569 |
805-988-8895 | ||
Great Lakes Insurance Services Group Llc | 250 Storke Rd Ste 3 93117 |
(805) 685-7383 | ||
Greenwood Insurance Agency Inc. | 300 E Esplanade Dr Ste 380 93036 |
(805) 604-0675 |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Rick Stevens | 1669 Fir Ave Ste 2 93463 |
(805) 691-9651 Email:rstevens@geico.com |
Homeowners Insurance Agents | Agent Address | Contact Details | ||
---|---|---|---|---|
Walker Insurance Group Inc. | 751 Daily Drive, Suite 230 93010 |
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Rick Sumrall Agency Inc | 115 E College Ave Ste 3 93436 |
(805) 736-7000 |
Home Insurance Company | Justified Complaint Ratio 2018 | Number of Justified Complaints 2018 | Justified Complaint Ratio 2017 | Number of Justified Complaints 2017 |
---|---|---|---|---|
Allstate | 1.7 | 11 | 2.4 | 16 |
Nationwide | 3.2 | 2 | 1.6 | 1 |
State Farm | 3.9 | 85 | 3.9 | 86 |
Liberty Mutual | 11.5 | 31 | 5.6 | 14 |
GEICO | Nationwide | Erie | |
Median Home Value ($) | 941,720 | 901,720 | 901,720 |
Construction year | 1942 | 1960 | 1967 |
Home Coverage ($) | $400000-$500000 | $400000-$500000 | $400000-$500000 |
Total Premium ($) | $1296 | $1012 | $1449 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Travelers | upto 10% |
Allstate | upto 16% |
Erie | upto 18% |
GEICO | upto 18% |
Nationwide | upto 8% |