Pismo Beach, CA Home Insurance Quotes!

For all Pismo Beach, CA homeowners, finding great coverage at a lower price is in high demand. Residents of Pismo Beach can visit our site online and conveniently shop and compare the best rates locally without leaving your home. At GetHomeInsuranceQuotes.com, we pride ourselves on customer service and making it easy for homeowners to compare up to 12 major home insurance carriers with ease. Thousands of other customers based out of Pismo Beach and the surrounding areas of SAN LUIS OBISPO County have gained additional savings with our competitive quoting raters. The best benefits to our customers is our FREE online shopping experience and it allows us to earn your business by providing a clear quoting process so you know what types of home insurance carriers can provide the protection and coverage you need.

If you want to receive quick homeowners insurance quotes for your home in Pismo Beach, CA, then you can easily start our online quoting application by entering your zip code. The process only takes 1 minute to complete. Compare your home insurance quotes today or give us a call now at 855-976-2656!

Pismo Beach, CA Demographics & Home Data

Pismo Beach has 7,655 residents, which is roughly 3,835 households per zip code with 2 people per household. The average household income is a respectable $84,484, which is slightly above the national average. Homes are more expensive in the Pismo Beach area with the average house value to be around $768,600.

Demographic	Values
Population	7,655
Total Occupied Households	3834
Family Households (families)	2079
Average Owner Occupied Household Size	1.99
Average Family Size	2.55
Total Housing Units	5585

Pismo Beach, CA Home Insurance Rates Review

One of the more common questions that come up when discussing rates with homeowners in Pismo Beach, CA is "What's the average premium for homeowners?" In other words, what does everyone else pay compared to your monthly or annual home insurance bill. The answer is easy, for homeowners living in Pismo Beach, you will find a range from $640 per year as the cheaper option on up to $1,190/yr. as the more expensive option. Homeowners sometimes due pay a less expensive rate only because the home is less of a risk to insure. For example, you will have a much more affordable home insurance premium if your home is smaller because the replacement cost value is less than a much larger home where the cost to replace is much more expensive. The national average for homeowners nationwide is $1311 per year. In order to gain an understanding of how your rate will be compiled, we have listed a few helpful resources to help you understand replacement cost value, home insurance credits and home features that help discount your premium.

Top 5 Helpful Saving Resources

FAQ: What is a Pismo Beach, CA Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Pismo Beach, CA?
This home insurance calculator will calculate your dwelling coverage for your home in Pismo Beach, CA so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in California
Installing smoke detectors, a security system and getting the same home and auto policy with the same carrier is a good start but to really kick-start your home insurance savings you have to dig a bit deeper. Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Pismo Beach, CA!

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Servicing Pismo Beach, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Pismo Beach agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Pismo Beach, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Pismo Beach, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Pismo Beach

Are you looking for homeowners insurance in a city near Pismo Beach? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Pismo Beach, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Pismo Beach.

93449,

Pismo Beach, CA Home Insurance Average Premiums

Local Pismo Beach, CA home insurance quotes comparison

$640 /yr.

Shows Pismo Beach's lowest average rates with discounts applied.

For the city of Pismo Beach, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$640 /yr.
Average Coverage:	$890 /yr.
2600 sq. ft. or higher (all discounts applied)	$1190 /yr.

What is the average home insurance cost for a home in Pismo Beach, CA?

• The average homeowners insurance premium paid annually for a home in Pismo Beach is around $890 per year.

What does it cost on average per month for home insurance in Pismo Beach, CA?

• Homeowners in Pismo Beach pay an average cost per month around $74.00 for insurance coverage.

Pismo Beach, CA Coastal Wind, Hail & Flood Information

Pismo Beach is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Pismo Beach is know for it's beautiful beaches and waterways. Because San Luis Obispo County (FIPS: 6079) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Pismo Beach, CA.

Pismo Beach, CA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$1,236,620	$1,146,202
February	$1,222,641	$1,171,526
March	$1,212,551	$1,205,312
April	$1,212,075	$1,239,578

Homeowners insurance will help cover the cost to repair or replace your Pismo Beach home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Pismo Beach
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Pismo Beach, CA homeowners insurance rates all in one place!

Saving Money Tips on Pismo Beach Home Insurance

A great way to save money on Pismo Beach homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Pismo Beach area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
482 ft.	This is the average home elevation in Pismo Beach, CA	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Pismo Beach, California. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

482 ft.

This is the average home elevation in Pismo Beach, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Pismo Beach, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Pismo Beach, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in San Luis Obispo County.

California Homeowners Insurance News & Information

Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024
Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]
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, […]

Pismo Beach, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Pismo Beach so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Pismo Beach, CA?

- The average square footage in Pismo Beach is around 1,467 Sq. Ft. which would cost you around $768,600 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $768,600

Location: Pismo Beach, California (San Luis Obispo County)

Average Building Cost Per Square Foot in Pismo Beach: $524 (low end)

Average Square Footage in Pismo Beach: 1,467 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$524	$768,600
Some Additional Upgrades	$655	$960,750
Major Home Updates or Advancements	$786	$1,152,900

Calculate Your Pismo Beach, CA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($524) in Pismo Beach, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,637,500 (Media price to build of $655 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.