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Average Cost of Homeowners Insurance in Santa Barbara, CA

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.

Average_Cost_of_Homeowners_Insurance_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.

Average_Cost_of_Homeowners_Insurance_in_Santa_Barbara_CA

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.

Average_Cost_of_Homeowners_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.

Top Home Insurance Companies 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%

Top Travelers Home Insurance Agents in Santa Barbara, CA

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
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

Top Allstate Home Insurance Agents in Santa Barbara, CA

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

Top Erie Home Insurance Agents in Santa Barbara, CA

Homeowners Insurance Agents Agent Address Contact Details
Summers Insurance Agency Llc 5755 Valentine Road, Suite 301
93003
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

Top GEICO Home Insurance Agents in Santa Barbara, CA

Homeowners Insurance Agents Agent Address Contact Details
Rick Stevens 1669 Fir Ave Ste 2
93463
(805) 691-9651
Email:rstevens@geico.com

Top Nationwide Home Insurance Agents in Santa Barbara, CA

Homeowners Insurance Agents Agent Address Contact Details
Walker Insurance Group Inc. 751 Daily Drive, Suite 230
93010
Rick Sumrall Agency Inc 115 E College Ave Ste 3
93436
(805) 736-7000

Santa Barbara, CA Homeowners Complaint Ratio By Companies

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

Homeowners Insurance Comparison for the Cheapest Premiums in Santa Barbara, CA

GEICONationwideErie
Median Home Value ($) 941,720901,720901,720
Construction year 194219601967
Home Coverage ($) $400000-$500000$400000-$500000$400000-$500000
Total Premium ($) $1296$1012$1449

Santa Barbara, CA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Travelers upto 10%
Allstate upto 16%
Erie upto 18%
GEICO upto 18%
Nationwide upto 8%