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92305 Home Insurance Rates
For homeowners living in 92305, the population estimates are increasing to well over 581 with 254 occupied homes within the zip code of 92305. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Angelus Oaks have increased and the average home insurance premium is around $961 per year in 92305. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 92305 zip code today so we can help you find affordable Angelus Oaks, CA home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 92305
Please select one of the three options below based on your 92305 zip code to learn more about California homeowners insurance, plus review average rates and information per state, county or city.
- California Homeowners Insurance Quotes
- San Bernardino County, CA Home Insurance
- Angelus Oaks, CA Home Insurance Quotes
92305 Average Home Insurance Rating Cost is: High!
Getting cheaper homeowners insurance in the 92305 zip code just got easier with GetHomeInsuranceQuotes.com of Angelus Oaks, CA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 92305 today and let us help you review the best home insurance quotes available for homeowners living in Angelus Oaks.
92305 Home Insurance Average Premiums
$711 /yr.
Shows Zip Code: 92305 lowest rates with discounts applied on average.
For the 92305, 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) | $711 /yr. |
| Average Coverage: | $961 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1261 /yr. |
What is the average home insurance cost for a home in 92305?
- • The average homeowners insurance premium paid annually for a home in 92305 is around $961 per year.
What does it cost on average per month for home insurance in 92305?
- • Homeowners in 92305 pay a monthly average cost per month around $80.00.
What kind of discount could I get if I combine my home and auto insurance together in 92305?
- • Autoowners in 92305 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 Angelus Oaks area, check out other zip codes nearby 92305.
Review average rates in another zip code:
92305 homeowners insurance rates
Home Replacement Cost Coverage in 92305
Average Building Cost Per Square Foot in 92305: $324
Location: Angelus Oaks, California (San Bernardino County)Average Square Footage in 92305: 915 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 92305 before you start any project. Angelus Oaks 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 92305 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 92305 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 915 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 Angelus Oaks 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $324 | 915 | $296,400 |
| Additional Upgrades & Added Features | $405 | 915 | $370,500 |
| Major Home Updates or Advancements | $486 | 915 | $444,600 |
It's important to understand that when you estimate your replacement cost of your home in the 92305 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 92305
Best Home & Auto Insurance Agencies in 92305
Housing Demographics for 92305
Population Review for 92305 Zip Code
For the city of Angelus Oaks, the population within 92305 has increased to over 103 residents in population size. The current population total is 581. We have broken down the population based on race below. In 92305, there are over 302 in male population and 279 females.
| Population | Values |
|---|---|
| Total Population | 581 |
| White Population | 465 |
| Black Population | 5 |
| Hispanic Population | 127 |
| Asian Population | 7 |
| Hawaiian Population | 0 |
| Indian Population | 11 |
| Other Population | 20 |
| Male Population | 302 |
| Female Population | 279 |
| Population Estimate | 103 |
Household Data for 92305
The average number of homes in 92305 is around 254, there are an average of 2.29 per household. The average house value according to local real estate values is around $296,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 254 |
| Persons Per Household | 2.29 |
| Average House Value | $296,400 |
| Income Per Household | $91016 |
| Median Age | 46.5 |
| Median Age Male | 46.3 |
| Median Age Female | 46.6 |
| 92305 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 909 |
| City | Angelus Oaks |
| City Alias Name | ANGELUS OAKS |
| County | San Bernardino |
| County FIPS | 071 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 4472 |
| PMSA | 6780 |
| CSA | 348 |
| CBSA | 40140 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Riverside-San Bernardino-Ontario, CA |
| MSA_Name | Los Angeles-Riverside-Orange County, CA |
| PMSA_Name | Riverside-San Bernardino, CA PMSA |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 18 |
| Number Of Employees | 64 |
| Business First Quarter Payroll | 849 |
| Business Annual Payroll | 2844 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 4224851 |
| CBSA Division Population | 0 |
| Congressional District | 23 |
| Congressional LandArea | 9898 |
| Delivery Residential | 45 |
| Delivery Business | 8 |
| Delivery Total | 348 |
| Preferred Last Line Key | Z20104 |
| Classification Code | |
| Multi-County | |
| CSA Name | Los Angeles-Long Beach, CA |
| CBSA_DIV_Name | |
| City State Key | Z20104 |
| Land Area | 115.914000 |
| Water Area | 0.031000 |
| City Alias Code | |
| City Mixed Case | Angelus Oaks |
| City Alias Mixed Case | Angelus Oaks |
| Box Count | 273 |
| SFDU | 45 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 071 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 050238 |
| Unique ZIP Name | |
| SSA State County Code | 05460 |
| Medicare CBSA Code | 40140 |
| Medicare CBSA Name | Riverside-San Bernardino-Ontario, CA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 16 |
| County Mixed Case | San Bernardino |
California Homeowners Insurance News & Information
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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 […]
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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. […]
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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, […]
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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 […]
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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 […]