Homeowners Insurance in and around Morro Bay
Looking for homeowners insurance in Morro Bay?
Give your home an extra layer of protection with State Farm home insurance.

Would you like to create a personalized homeowners quote?
Welcome Home, With State Farm Insurance
There's truly no place like home. You need homeowners coverage to keep it safe! You’ll get that with homeowners insurance from State Farm, the leading provider of homeowners insurance. State Farm Agent Karen Perlette is your understanding authority who can offer coverage options aligned with your individual needs.
Looking for homeowners insurance in Morro Bay?
Give your home an extra layer of protection with State Farm home insurance.

Don't Sweat The Small Stuff, We've Got You Covered.
Karen Perlette can walk you through the whole coverage process, step by step. You can have a straightforward experience to get coverage options for everything that’s meaningful to you. We’re talking about more than just protection for your clothing, swing sets and furnishings. Protect your family keepsakes—like collectibles and souvenirs. Protect your hobbies and interests—like sound equipment and cameras. And Agent Karen Perlette can share more information about State Farm’s great savings and coverage options. There are savings if you carry multiple lines of State Farm insurance or choose a higher deductible, and there are plenty of policy inclusions, such as liability insurance to protect you from covered claims and legal suits.
Whether you're prepared for it or not, the unanticipated can happen. But with State Farm, you're always prepared, so you can laugh and play knowing that your belongings are secure. Additionally, if you also insure your auto, you could bundle and save! Contact agent Karen Perlette today to go over your options.
Have More Questions About Homeowners Insurance?
Call Karen at (805) 772-7363 or visit our FAQ page.

Protect your place from electrical fires
State Farm and Ting* can help you prevent electrical fires before they happen - for free.
Ting program only available to eligible State Farm Non-Tenant Homeowner policyholders
Explore Ting*The State Farm Ting program is currently unavailable in AK, DE, NC, SD and WY
Simple Insights®
Chillin’ and grillin’: Check out our safety tips for outdoor grilling with charcoal and gas
Chillin’ and grillin’: Check out our safety tips for outdoor grilling with charcoal and gas
Help prevent accidents and disasters by knowing the risks, knowing what to watch out for and by following the steps for safe grilling.
Insurance issues to consider when hosting a house party
Insurance issues to consider when hosting a house party
Having the right amount of insurance can help protect you when you're hosting a party. Use these tips to make sure you're covered.

Karen Perlette
State Farm® Insurance AgentSimple Insights®
Chillin’ and grillin’: Check out our safety tips for outdoor grilling with charcoal and gas
Chillin’ and grillin’: Check out our safety tips for outdoor grilling with charcoal and gas
Help prevent accidents and disasters by knowing the risks, knowing what to watch out for and by following the steps for safe grilling.
Insurance issues to consider when hosting a house party
Insurance issues to consider when hosting a house party
Having the right amount of insurance can help protect you when you're hosting a party. Use these tips to make sure you're covered.