Pacifica, CA Home Insurance Quotes!

Did you know Pacifica, CA homeowners are now finding easier ways to shop and compare home insurance rates online as low as $772 a year. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to handling your insurance needs. Our quoting application process has been trusted by thousands of homeowners like you who want a quick way to compare rates without any hassle. Our licensed homeowners insurance professionals are nearby and here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 carriers that are all highly rated by A.M Best and we shop the policy with you so you know which Pacifica insurance policy is best for you. Start your quote today by entering your zip code!

Pacifica, CA Housing Demographics

The city of Pacifica in California is roughly around 37,234 residents in population size with 13967 occupied homes within the city of Pacifica. The average family household in Pacifica is 9686.

Demographic	Values
Population	37,234
Total Occupied Households	13967
Family Households (families)	9686
Average Owner Occupied Household Size	2.78
Average Family Size	3.12
Total Housing Units	14523

Pacifica, CA Average Rates

When our Pacifica agents discuss insurance premiums and packages with new customers, we work with them to clearly explain the additional ways for you to save time and money by discovering lower rates that are available to you through different carriers, coverage options and discounts. We know homeowners insurance is not always about price, but in Pacifica, homeowners are paying around $772 to $1,322 per year. Saving on your home insurance is key to discounts and coverage options, average rates are around $85 per month which is really cheap for great coverage. You can expect to pay around $1,022 per year depending on how much replacement cost coverage you need and if you can be approved for any discounts.

The average rates mentioned above for a standard homeowners insurance policy within the state of California includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. We always explain the policy details to you and help you understand that if your home is in need of additional coverage because the area in which your home is located requires flood or earthquake insurance then our agents will help you setup additional coverages. This is one of the many policy details our agents will recognize when you request an online Pacifica, CA homeowners insurance quote from us.

Compare Homeowners Insurance Rates in Pacifica, CA!

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Servicing Pacifica, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Pacifica 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 Pacifica, 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 Pacifica, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Pacifica

Are you looking for homeowners insurance in a city near Pacifica? 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 Pacifica, CA

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

94044,

Pacifica, CA Home Insurance Average Premiums

Local Pacifica, CA home insurance quotes comparison

$772 /yr.

Shows Pacifica's lowest average rates with discounts applied.

For the city of Pacifica, 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)	$772 /yr.
Average Coverage:	$1022 /yr.
2600 sq. ft. or higher (all discounts applied)	$1322 /yr.

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

• The average homeowners insurance premium paid annually for a home in Pacifica is around $1022 per year.

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

• Homeowners in Pacifica pay an average cost per month around $85.00 for insurance coverage.

Pacifica, CA Coastal Wind, Hail & Flood Information

Pacifica 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 Pacifica is know for it's beautiful beaches and waterways. Because San Mateo County (FIPS: 6081) 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 Pacifica, CA.

Pacifica, CA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$1,291,986	$1,292,066
February	$1,275,719	$1,320,820
March	$1,263,672	$1,354,050
April	$1,256,208	$1,377,723

Homeowners insurance will help cover the cost to repair or replace your Pacifica 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 Pacifica
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 Pacifica, CA homeowners insurance rates all in one place!

Saving Money Tips on Pacifica Home Insurance

A great way to save money on Pacifica 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 Pacifica 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
112 ft.	This is the average home elevation in Pacifica, 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 Pacifica, 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

112 ft.

This is the average home elevation in Pacifica, 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 Pacifica, 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 Pacifica, 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 Mateo County.

California Homeowners Insurance News & Information

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, […]
2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023
California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance. In most […]
2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022
Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values. While no one can predict the future, Fed […]

Pacifica, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Pacifica 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 Pacifica, CA?

- The average square footage in Pacifica is around 1,685 Sq. Ft. which would cost you around $882,800 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $882,800

Location: Pacifica, California (San Mateo County)

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

Average Square Footage in Pacifica: 1,685 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$524	$882,800
Some Additional Upgrades	$655	$1,103,500
Major Home Updates or Advancements	$786	$1,324,200

Calculate Your Pacifica, CA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($524) in Pacifica, 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.