Cheap Homeowners Insurance Santa Maria

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cheap homeowners insurance santa maria 2Santa Maria is approximately 160 miles northwest of Los Angeles, and infamous for its wine industry and Santa Maria-style barbecue. Homes in Santa Maria cost around $252,200, a value that is 32% lower than the average in California. 50.2% of Santa Maria residents own their own homes, which include everything from large houses to small condos to stacked town-homes. The cost of living in Santa Maria is 15% lower than the California average, and 38% higher than the national average.  If you own a home it is very important to understand how much insurance you need according to the special features of the area you live in. This will help you get the best cheap homeowners insurance Santa Maria has available.

cheap homeowners insurance santa mariaThe rate of crime in Santa Maria is 8% higher than the rest of California, and 15% higher than the national rate. Property crime is 9% higher than the state of California and 15% higher than the national average. The Santa Maria Police Department has three divisions, administration, operations, and support, and includes 111 sworn officers and 49 full-time support personnel. Low crime rates help homeowners save on their insurance rates.

The geography of a city is also relevant to the cost of homeowners insurance. Santa Maria is bordered on the west by the Pacific Ocean and to the east by the San Rafael Mountains and the Los Padres National Forest.  Santa Maria district is part of an elongate triangular region of valleys and hills lying between the Santa Ynez Mountains and the northwestward San Rafael Mountains. Santa Maria is in a valley that is near the San Andres Fault, which makes it more at risk for flooding and earthquakes. Many homeowners insurance policies include theft and fire damage, but not flood and earthquake. Adding flood and earthquake protection to your home insurance policy is very important if you live in Santa Maria.

About Homeowners Insurance in Santa Maria

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

  • cheap homeowners insurance santa maria 3Damage 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 Santa Maria has to offer.