Morris & Garritano Insurance Agency, Inc.
1122 Laurel Ln, San Luis Obispo, CA 93401
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1122 Laurel Ln, San Luis Obispo, CA 93401
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1443 Marsh Street, San Luis Obispo, CA 93401
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1363 Marsh Street, Suite A, San Luis Obispo, CA 93401
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1177 Marsh St, Suite 200, San Luis Obispo, CA 93401
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Learn about insurance coverage options specific to San Luis Obispo residents.
Complete guide to auto, home, and renters insurance in San Luis Obispo. Compare local agents, understand earthquake coverage, and save on premiums.
Home InsuranceHome insurance in San Luis Obispo averages $708-$958/year, but wildfire risk is driving rates up. Learn about earthquake coverage, FAIR Plan options, and tips to protect your Central Coast home.
Car InsuranceLearn about San Luis Obispo auto insurance costs, California's new 30/60/15 minimum coverage, US-101 accident rates, and how to save. Cal Poly student tips included.
Average car insurance in San Luis Obispo runs about $1,800-$2,400 annually for full coverage, which is 10-15% higher than the California average. The higher rates are largely due to the city's student population and traffic on Highway 101. However, rates vary significantly between carriers, so shopping around can save you $500 or more per year for identical coverage.
While not legally required, earthquake insurance is worth serious consideration in San Luis Obispo due to the area's proximity to several fault lines. Standard homeowners policies specifically exclude earthquake damage in California. A separate earthquake policy typically costs $800-$2,000 annually, but without it, you'd pay out of pocket for potentially catastrophic repair costs if a major quake hits.
While California law doesn't require renters insurance, many landlords in San Luis Obispo now require it as a lease condition. Even if your landlord doesn't require it, renters insurance is highly recommended for students. For just $15-30 per month, you get protection for your belongings and crucial liability coverage if someone is injured in your apartment or you accidentally cause damage.
Both options have merit, but local independent agents in San Luis Obispo offer distinct advantages. They can shop multiple insurance carriers for you, understand Central Coast-specific risks, and provide personalized service when you file a claim. Independent agents are especially valuable in California's current tight insurance market, where having access to multiple carriers gives you more coverage options.
Common discounts include bundling multiple policies (typically 15-25% savings), good student discounts for Cal Poly students with a B average or better, safe driver discounts, home security system discounts, and paperless billing discounts. Some carriers also offer discounts for hybrid or electric vehicles, which are popular in environmentally-conscious SLO. Always ask your agent or carrier about all available discounts—they can add up to hundreds in annual savings.
While SLO isn't a major coastal flood zone, parts of the city near San Luis Obispo Creek have experienced flooding during heavy rain years. If you have a mortgage and live in a FEMA-designated flood zone, your lender will require flood insurance. Even outside designated zones, flooding can occur, and standard homeowners policies don't cover it. Flood insurance through NFIP typically costs $400-700 annually for homes in low-to-moderate risk areas.
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