San Benito County, CA Homeowners Insurance Quotes

Are you shopping online for home insurance in San Benito County CA? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our San Benito County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.

Protecting your home in California from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!

More about premiums in San Benito County

San Benito County, CA homeowners are now averaging around $103.42 per month for a basic home insurance policy. For California, this amounts to $1241 per year for a standard (HO-3) homeowners insurance policy for residents living in San Benito County, CA. In comparison, the national average for home insurance rates is around 1,249 per year. California is now ranked #24 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in San Benito County, CA so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.

For all San Benito County, CA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in San Benito County? Simply enter your zip code to get your California homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

San Benito County, CA Housing Demographics

With 55,269 residents living within the San Benito County area there are over 17,870 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 13,436 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in San Benito County.

San Benito County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in San Benito County (FIPS: 6069), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of California is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in San Benito County, CA, it's important that you look into hurricane and windstorm insurance options.

• 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

  A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

• What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

  If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

• 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

  The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

• 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

  California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

• 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

  Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

• Homeowners Prepare for Rate Increases Later This Year Posted on Monday 27th June, 2022

  In most states, home insurance rates are headed up this year and homeowners should be prepared for further rate increases before the end of the year. According to a recent S&P Global Market Intelligence report, over 177 insurance carriers have filed requests for rate increases in 43 states, Arizona alone has seen 34 rate increase requests. […]

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your California homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in San Benito County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in San Benito County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your San Benito County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.