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Read about what causes changes in your Santa Margarita, CA Home Insurance Rates & get great deals with that insight when you compare quotes.

Replacement Value of your home in Santa Margarita, CA is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Santa Margarita, CA & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Santa Margarita 4 Beds, 2 Baths, 2610 sqft $366,000 $45
El Paso de 2 Beds, 1 Bath, 1,050 sqft $232,000 $56
Blacklake 2 Beds, 1 Bath, 1,280 sqft $292,000 $46
Santa Maria 2 Beds, 1 Bath, 1,330 sqft $161,000 $44
Oceano 3 Beds, 1 Bath, 1,570 sqft $208,000 $49
San Luis Obispo 4 Beds, 1 Bath, 2,230 sqft $458,000 $72
San Ardo 4 Beds, 2 Baths, 2,720 sqft $321,000 $79
Oak Shores 4 Beds, 2 Baths, 2,550 sqft $376,000 $94
Santa Margarita 3 Beds, 2 Baths, 1,310 sqft $196,000 $43
Templeton 3 Beds, 2 Baths, 1,850 sqft $214,000 $73
Los Alamos 2 Beds, 1 Bath, 1,740 sqft $256,000 $75
Orcutt 3 Beds, 2 Baths, 2,240 sqft $299,000 $45
Mission Hills 4 Beds, 2 Baths, 2,030 sqft $492,000 $80
Woodlands 3 Beds, 1 Bath, 2,240 sqft $391,000 $94
Shandon 2 Beds, 1 Bath, 1,250 sqft $154,000 $39
San Simeon 2 Beds, 1 Bath, 1,120 sqft $177,000 $23
Lake Nacimiento 2 Beds, 1 Bath, 1,080 sqft $182,000 $61
Los Osos 4 Beds, 1 Bath, 2,200 sqft $255,000 $55
Edna 4 Beds, 1 Bath, 1,730 sqft $300,000 $50
Morro Bay 3 Beds, 1 Bath, 2,110 sqft $384,000 $57
Bradley 2 Beds, 1 Bath, 1,040 sqft $142,000 $32

If your Santa Margarita, CA home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Santa Margarita:

Claim Typical Claim Amount
LIABILITY (ALL OTHER) $58,000
WATER DAMAGE $5,000
FIRE $48,500

Your Santa Margarita, CA insurance agent (see examples below) can help with your claims.

  • Travelers: E C Loomis & Son Insurance Assoc, 220 traffic way arroyo¬†grande, Arroyo Grande, CA, 93420 (805) 980-7220
  • State Farm: Glen Wolf, 708 e grand ave ste a, Arroyo Grande, CA, 93420-3244 805-489-5589
  • Farmers: Deborah Corliss, 935 riverside ave ste 14, Paso Robles, CA, 93446 (805) 239-0809
  • Allstate: Bryan Butler, 7035 morro rd, Atascadero, CA, 93422 (805) 466-6651
  • Liberty Mutual Independent: Laurel A Fowler Ins Broker, 1587 el camino real ste b, Arroyo Grande, CA, 93420 (805) 473-2227

Your Background Impacts Your Home Insurance Quotes

Here is a list of Santa Margarita, CA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 650-699 Credit Score $25 to 50,000 1 Pet, Smoker $640
Freelancer 550-599 Credit Score <$25,000 3 Pets, Smoker $310
Unemployed 750-799 Credit Score No Income 2 Pets, Smoker $290