Cheap Homeowners Insurance Salinas

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cheap homeowners insurance salinasSalinas is located just outside the southern portion of the greater Bay Area. It is a very popular place to live and visit, having access to  the world-class wineries of South Monterey County, the beauty of nearby beaches, and Pinnacles National Monument. The cost of living in Salinas is 13% lower than the California average and 18% higher than the national average. The median home price is $262,000, which is 49% higher than the national average. Homes have been appreciating over the last 5 years, by about 12.87%. Most homeowners stay put, which makes it very important to understand how much insurance you need according to the special features of the area. This will help you get the best cheap homeowners insurance Salinas has available, and be able to protect your investment over the long haul.

cheap homeowners insurance salinas 2The overall crime rate in Salinas is 16% higher than the national average and property crime stands equal to the rest of the state of California, and 5% higher than the nation’s average. The city rests about 59 feet above sea level, and it is located roughly eight miles from the Pacific Ocean. This makes it more of a risk for flooding and hurricane damage. In fact, in February of 2017, thunder storms created a lot of damage, with the Public Works Department has receiving 385 requests for service, with an estimated 650 trees down. Theft and fire damage is usually covered under most insurance policies, but not flood, hurricane, and earthquake damage. Southern California is well known for the frequency of earthquakes, and recent storm damage shows that these are two important coverage for Corona homeowners to add to their policies.

About Homeowners Insurance in Salinas

Since each homeowner is an individual, not every person will want the same coverage. However, cheap homeowners insurance salinas 3there are certain aspects to homeowners insurance that are necessary. Most policies generally cover the following:

  • Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Salinas has to offer.