In Salinas, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs. Choosing the best cheap home insurance depends on individual needs, like budget, customer service and coverage options.
Best and Cheapest Home Insurance in Salinas, CA (2024)
Updated: November 24, 2024
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Best HomeInsuranceSalinas, CATable of Contents
Best Overall - Allstate
Best for Service - Chubb
Best Cheap - Allstate
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Farmers
Why Trust MoneyGeek? We use data from the California Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Salinas. Our picks are backed by data and industry standards.
In Salinas, home insurance rates mirror the most competitive offers available as of September 2024.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Salinas, CA
MoneyGeek found that Allstate is the best option in Salinas, California, for 100K dwelling coverage, with a MoneyGeek score of 83 out of 100. The scores for home insurance companies in Salinas, California, range from 50 to 83. These figures reflect MoneyGeek's scoring system — insurers may receive different scores based on credit history, age of your home and other factors.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Allstate | 83 | $313 |
| Farmers | 82 | $337 |
| Travelers | 81 | $414 |
| Chubb | 66 | $675 |
| State Farm | 55 | $714 |
| Nationwide | 54 | $715 |
| Capital Insurance Group | 50 | $535 |
Overall Best Home Insurance in Salinas, CA
MoneyGeek found that Allstate is the best option in Salinas, California, for $100K dwelling coverage. The two best overall home insurance companies in Salinas for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 83 out of 100 ($313 per year)
- Farmers: MoneyGeek score of 82 out of 100 ($337 per year)
Allstate stands out as the best home insurance provider due to its affordability and strong customer satisfaction score, contributing significantly to its MoneyGeek score.
In Salinas, California, there are various companies with different cost and service experiences. While cost is important, consider other factors like customer service and claims experience, which are crucial when you need to make claims.
Best OverallAllstate
MoneyGeek Score:
83/ of 100
Overview
Allstate scores high for affordability and satisfaction, making it a top choice. It offers comprehensive home insurance with cyber event / ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle and responsible payment. Bundling home and auto policies can save you up to 25%.
The cyber event / ID theft helps if your identity is stolen. Back-up of sewer or drain covers water damage from drains or sump pumps. Home business property' increases limits for business items at home. These coverages offer valuable protection for homeowners.
Best Home Insurance for Customer Service in Salinas, CA
MoneyGeek found that Chubb is the best option for home insurance in Salinas, California, especially for $100K dwelling coverage. Chubb stands out due to its excellent customer service and overall strong performance.
- Chubb: MoneyGeek score of 96 out of 100 ($675 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($715 per year)
Chubb is the top choice because of its impressive customer satisfaction, which significantly boosts its MoneyGeek score. The customer service is reliable, ensuring that your needs are addressed promptly and efficiently. You can count on Chubb for dependable coverage while also benefiting from competitive pricing.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. Chubb provides discounts for new homes and home renovations, helping you save money. You can qualify for these by having a new or recently renovated home.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers bringing your home up to code after damage. Cash settlement allows you to receive money if you choose not to rebuild. These coverages are valuable for protecting your home.
Best Cheap Home Insurance in Salinas, CA
MoneyGeek found that Allstate is not only the best overall but also the best cheap home insurance option in Salinas, California. The top two best cheap insurance providers for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 91 out of 100 ($313 per year)
- Farmers: MoneyGeek score of 88 out of 100 ($337 per year)
When it comes to the average cost of homeowners insurance in California, Allstate stands out for its strong affordability and high customer satisfaction, which significantly contribute to its MoneyGeek score. Choosing cheap home insurance often means selecting lower coverage limits.
This option can save money on premiums, but it might fall short if a large claim arises. In instances where saving on premiums is important, considering the cheapest homeowner insurance companies may be beneficial.
Best CheapAllstate
MoneyGeek Score:
91/ of 100
Overview
Allstate scores high on affordability and satisfaction, making it a top choice. It offers cyber event / ID theft and back-up of sewer or drain coverages, providing comprehensive home insurance. Discounts like responsible payment and early payment help you save. Paying on time can qualify you for these savings.
Allstate's cyber event / ID theft coverage protects against identity theft. Back-up of sewer or drain covers water damage from broken drains. Home business property increases limits for business items at home. These coverages are valuable for protecting your home and belongings.
Estimate Your Salinas Home Insurance Costs Online
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Rates updated:
Dec 24, 2024
Several factors affect homeowners insurance in Salinas, with location being one. Comparing rates is the best way to save, but it takes time—up to 15 minutes per company. Comparing three or more companies may take over an hour. MoneyGeek's home insurance calculator helps instantly by focusing on key factors. Enter age, dwelling coverage, credit score, and more to get an estimate.
Cheapest Home Insurance in Salinas, CA
MoneyGeek found that Allstate is the best option in Salinas, California. The main factor affecting home insurance costs is the dwelling coverage you select.
- For 100K Dwelling Coverage: Allstate: $313 per year
- For 250K Dwelling Coverage: Allstate: $604 per year
- For 500K Dwelling Coverage: Allstate: $1,089 per year
Allstate stands out in Salinas because it offers the best price for home insurance with a high MoneyGeek score, making it both affordable and highly rated. In the 250K and 500K categories, Allstate also leads due to its competitive prices and strong scores. Opting for the cheapest homeowners insurance in California can assist in keeping your financial plans on track.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Allstate | $313 |
| Farmers | $337 |
| Travelers | $414 |
| Capital Insurance Group | $535 |
| Chubb | $675 |
| State Farm | $714 |
| Nationwide | $715 |
Cheapest Home Insurance for High-Value Homes in Salinas, CA
Allstate offers the cheapest annual premium for high-value homes in Salinas, California. High dwelling coverage is necessary for homes that are expensive to replace, making home insurance costs increase.
- Cheapest for $750K Dwelling Coverage: Allstate: $1,597 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $2,116 per year
Allstate stands out as the cheapest homeowners insurance in Salinas based on its lower costs. According to MoneyGeek, Allstate also ranks high on their score, indicating it is both affordable and among the best options in this area.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Allstate | $1,597 |
| Travelers | $2,069 |
| Capital Insurance Group | $2,244 |
| Farmers | $2,843 |
| State Farm | $3,479 |
| Nationwide | $3,600 |
| Chubb | $3,896 |
Cheapest Home Insurance for New Homes in Salinas, CA
Farmers offers the cheapest home insurance for new homes in Salinas, California.
- Cheapest for $100K Dwelling Coverage: Farmers: $160 per year
- Cheapest for $250K Dwelling Coverage: Farmers: $368 per year
- Cheapest for $500K Dwelling Coverage: Travelers: $649 per year
Farmers stands out as the cheapest homeowners insurance choice for new homes in Salinas due to its low yearly cost. However, being the cheapest doesn't mean it's the best overall.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Farmers | $160 |
| Travelers | $224 |
| Allstate | $245 |
| Nationwide | $299 |
| Capital Insurance Group | $349 |
| State Farm | $357 |
| Chubb | $549 |
How to Find the Best Home Insurance for You in Salinas, CA
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Salinas depends on your needs. Consider factors like coverage options, customer service, and deductibles. Follow these steps to get the best cheap home insurance:
- 1
Evaluate Your Insurance Needs
Consider the specifics of your home in Salinas, California to determine how much home insurance coverage you need. Think about rebuilding costs, personal property value, and liability needs.
- 2
Compare Different Providers
Look into insurance companies operating in Salinas. Focus on those with strong financial stability, positive customer feedback, and a history of quality service.
- 3
Compare Coverage and Costs
Once you know the coverages you require, compare home insurance quotes. In Salinas, California, premiums for $100K dwelling coverage range from $313 to $714 annually.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as those for bundling policies, adding safety features, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium. Ensure the deductible is an amount you can afford if you need to make a claim.
- 6
Improve Home Security
Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially reduce insurance costs.
- 7
Maintain Good Credit
In Salinas, California, keeping a good credit score can influence your insurance rates. Pay bills promptly and work on reducing any outstanding debt.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies, like auto insurance. This strategy can result in substantial discounts and savings.
FAQ: Best Cheap Home Insurance in Salinas, CA
The best cheap home insurance provider in Salinas depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about insurance rates in Salinas, California. Understanding these factors can help you make an informed decision that suits your financial situation.
How much is home insurance in Salinas, California, on average?
The average home insurance cost in Salinas, California, is $419.
What is the cheapest home insurance company in Salinas, California?
The cheapest home insurance company in Salinas, California, is Allstate, with an annual premium of $313.
What is the best home insurance company in Salinas, California?
The best home insurance in California for Salinas residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.