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Find the lowest Homeowners Insurance Rates in 91962

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 91962, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Pine Valley, CA from a list of top tier nationwide insurers.

Our California licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 91962 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 91962

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Pine Valley, CA home insurance quotes in your local city and review the most competitive coverages and premiums.

91962 Ratings: high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Pine Valley we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 91962, homeowners are seeing rates around 903 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 91962!

91962 Home Insurance Average Premiums

Local 91962 homeowners insurance quotes comparison

$653 /yr.

Shows Zip Code: 91962 lowest rates with discounts applied on average.

For the 91962, 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)
$653 /yr.
Average Coverage:$903 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1203 /yr.

What is the average home insurance cost for a home in 91962?

  • • The average homeowners insurance premium paid annually for a home in 91962 is around $903 per year.

What does it cost on average per month for home insurance in 91962?

  • • Homeowners in 91962 pay a monthly average cost per month around $75.00.

What kind of discount could I get if I combine my home and auto insurance together in 91962?

  • • Autoowners in 91962 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Pine Valley area, check out other zip codes nearby 91962.
Review average rates in another zip code:
91962 homeowners insurance rates

Home Replacement Cost Coverage in 91962

Average Building Cost Per Square Foot in 91962: $324

Location: Pine Valley, California (San Diego County)

Average Square Footage in 91962: 1,337 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 91962 before you start any project. Pine Valley homeowners pay on average around $324 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 91962 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 91962 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,337 sq. ft. and the average cost to rebuild the home in this area is around $324 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Pine Valley area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$3241,337$433,300
Additional Upgrades & Added Features$4051,337$541,625
Major Home Updates or Advancements$4861,337$649,950

It's important to understand that when you estimate your replacement cost of your home in the 91962 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 91962

Best Home & Auto Insurance Agencies in 91962

Housing Demographics for 91962

Population Review for 91962 Zip Code

For the city of Pine Valley, the population within 91962 has increased to over 145 residents in population size. The current population total is 1,860. We have broken down the population based on race below. In 91962, there are over 954 in male population and 906 females.

PopulationValues
Total Population1,860
White Population1526
Black Population10
Hispanic Population282
Asian Population28
Hawaiian Population1
Indian Population10
Other Population90
Male Population954
Female Population906
Population Estimate145

Household Data for 91962

The average number of homes in 91962 is around 715, there are an average of 2.60 per household. The average house value according to local real estate values is around $433,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode715
Persons Per Household2.60
Average House Value$433,300
Income Per Household$138775
Median Age47.5
Median Age Male46.6
Median Age Female48.5
91962 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code619/858
CityPine Valley
City Alias NamePINE VALLEY
CountySan Diego
County FIPS073
State FIPS06
Time Zone8
Day Light SavingY
MSA7320
PMSA
CSA
CBSA41740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSan Diego-Chula Vista-Carlsbad, CA
MSA_NameSan Diego, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses29
Number Of Employees136
Business First Quarter Payroll1970
Business Annual Payroll8628
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3095313
CBSA Division Population0
Congressional District48
Congressional LandArea145.47
Delivery Residential56
Delivery Business11
Delivery Total1013
Preferred Last Line KeyZ22486
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22486
Land Area58.664000
Water Area0.009000
City Alias Code
City Mixed CasePine Valley
City Alias Mixed CasePine Valley
Box Count879
SFDU56
MFDU0
State ANSI06
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number056042
Unique ZIP Name
SSA State County Code05470
Medicare CBSA Code41740
Medicare CBSA NameSan Diego-Chula Vista-Carlsbad, CA
Medicare CBSA TypeMetro
Market Rating Area ID19
County Mixed CaseSan Diego

California Homeowners Insurance News & Information

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    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 […]