Baywood-Los Osos is commonly called Los Osos-Baywood Park and is a census-designated place and an unincorporated census area located in the west part of San Luis Obispo.  In 2000, it had a population of 14,351.  It is located at 35°19′0″N 120°50′8″W / 35.31667°N 120.83556°W / 35.31667; -120.83556.

Health Care & Los Osos, CA Health Insurance

According to the Environment Protection Agency (EPA), the air quality in Los Osos, CA has a score of 31 on a scale of 100 (higher being better).  The water quality is 30 on a scale of 100 (USA average is 55).  There are 244 physicians per capita in Los Osos, which is much higher than the USA average of 169.7.  For more information on Los Osos Health Insurance, please contact our office, or fill out a free health insurance quote online.

Factors that influence Los Osos, CA Auto Insurance Rates

Los Osos Insurance

Los Osos Insurance

One thing that affects your insurance rates is the geographic area that you live and drive in.

Los Osos residents drive their cars frequently.  A majority of residents drive alone to work (78%), 11% carpool, 1% take public transit, and 6% work from home.  The average commute time to work is 23.9 minutes (USA average = 27.4 minutes).

In Los Osos, 4.1% of households do not own a car.  34.2% own 1 car, 40% own 2 cars, and 21.7% own 3 cars or more.

To find out exactly what you would have to pay for auto insurance in Los Osos, please fill out one of our free online auto insurance quote forms.

Do you Need Renters Insurance in Los Osos, CA?

In Los Osos, 31% of residents are renters.  It is very important to make sure your contents are covered if you are a renter. Usually renters insurance is very inexpensive coverage.  The median rent paid in Los Osos is $1,106/month.  To find out how you can get renters insurance coverage, please fill out one of our free online renters insurance quote forms.

Factors that affect Los Osos, CA Home Insurance rates

Sometimes the weather of a particular region can affect home insurance rates.  For example, houses near the ocean are priced higher due to higher changes of floods.  Similarly, areas with more temperate weather conditions are not exposed to those risks and may have more affordable home insurance rates.  California currently ranks 7th out of all states for the highest home insurance rates (1 being the highest).

Los Osos gets 17 inches of rain each year, which is much lower than the US average of 37.  This means residents may not be as prone to issues like flooding when compared to other areas.  There are 283 sunny days in Los Osos per year and in July, the temperature usually reaches a high of 65 degrees.  The low in January is 42 degrees.

Another thing that affects home insurance rates is the value of the home that you are insuring.  In Los Osos, the median house value is $526,143.  This is slightly lower than the California average of $532,300.

To find out how much it would cost to insure your house, fill out one of our free online home insurance quote forms.