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92395 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 92395? Our rates are very competitive for homeowners living in Victorville, CA. Many homeowners based out of your 92395 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 92395 should appear in the zip code field ready to go. For Victorville, CA Home Insurance Rate Quotes click to review the best rates and service online!

92395 Average Premium is Rated: High!

Homeowners living in 92395 can easily save up to 40% off the average home insurance premium of $945 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Victorville that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 92395 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 92395!

92395 Home Insurance Average Premiums

Local 92395 homeowners insurance quotes comparison

$695 /yr.

Shows Zip Code: 92395 lowest rates with discounts applied on average.

For the 92395, 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)
$695 /yr.
Average Coverage:$945 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1245 /yr.

What is the average home insurance cost for a home in 92395?

  • • The average homeowners insurance premium paid annually for a home in 92395 is around $945 per year.

What does it cost on average per month for home insurance in 92395?

  • • Homeowners in 92395 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 92395?

  • • Autoowners in 92395 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 Victorville area, check out other zip codes nearby 92395.
Review average rates in another zip code:
92395 homeowners insurance rates
92394 homeowners insurance rates
92392 homeowners insurance rates

Home Replacement Cost Coverage in 92395

Average Building Cost Per Square Foot in 92395: $324

Location: Victorville, California (San Bernardino County)

Average Square Footage in 92395: 787 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92395 before you start any project. Victorville 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 92395 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 92395 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 787 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 Victorville 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$324787$255,100
Additional Upgrades & Added Features$405787$318,875
Major Home Updates or Advancements$486787$382,650

It's important to understand that when you estimate your replacement cost of your home in the 92395 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 92395

Best Home & Auto Insurance Agencies in 92395

William G Amaya Insurance Services

Address: 14847 7th St Victorville, CA 92395
Phone:
Website: http://www.insurance-directory.biz/Guillermo_Amaya
Info:

Adriana's Insurance Svc Incorporated

Address: 14962 Bear Valley Rd Victorville, CA 92395
Phone:
Website: http://www.adrianasinsurance.com/
Info:

Sarah Seigart-Farmers Insurance

Address: 12138 Industrial Blvd, Ste 101 Victorville, CA 92395
Phone:
Website: http://www.farmersagent.com/jpeters1/
Info:

Fred Loya Insurance

Address: 12353 Mariposa Rd, Ste F11 Victorville, CA 92395
Phone:
Website: http://www.fredloya.com/
Info:

Instate Auto Insurance

Address: 15000 7th St, #104 Victorville, CA 92395
Phone:
Website: http://www.instateinsurance.net/
Info:

Housing Demographics for 92395

Population Review for 92395 Zip Code

For the city of Victorville, the population within 92395 has increased to over 48,109 residents in population size. The current population total is 47,556. We have broken down the population based on race below. In 92395, there are over 22835 in male population and 24721 females.

PopulationValues
Total Population47,556
White Population17987
Black Population6682
Hispanic Population23071
Asian Population2025
Hawaiian Population231
Indian Population910
Other Population12374
Male Population22835
Female Population24721
Population Estimate48109

Household Data for 92395

The average number of homes in 92395 is around 15,342, there are an average of 3.06 per household. The average house value according to local real estate values is around $255,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,342
Persons Per Household3.06
Average House Value$255,100
Income Per Household$50223
Median Age34.0
Median Age Male32.4
Median Age Female35.5
92395 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code442/760/909
CityVictorville
City Alias NameVICTORVILLE
CountySan Bernardino
County FIPS071
State FIPS06
Time Zone8
Day Light SavingY
MSA4472
PMSA6780
CSA348
CBSA40140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRiverside-San Bernardino-Ontario, CA
MSA_NameLos Angeles-Riverside-Orange County, CA
PMSA_NameRiverside-San Bernardino, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses695
Number Of Employees7979
Business First Quarter Payroll83185
Business Annual Payroll373034
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4224851
CBSA Division Population0
Congressional District23
Congressional LandArea9898
Delivery Residential15722
Delivery Business1343
Delivery Total23477
Preferred Last Line KeyZ23735
Classification Code
Multi-County
CSA NameLos Angeles-Long Beach, CA
CBSA_DIV_Name
City State KeyZ23735
Land Area16.891000
Water Area0.357000
City Alias Code
City Mixed CaseVictorville
City Alias Mixed CaseVictorville
Box Count0
SFDU7057
MFDU3886
State ANSI06
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number058148
Unique ZIP Name
SSA State County Code05460
Medicare CBSA Code40140
Medicare CBSA NameRiverside-San Bernardino-Ontario, CA
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseSan Bernardino

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 […]