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Homeowners Insurance in 94089

Getting the most affordable home insurance rates in 94089 just got easier for Sunnyvale, CA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Sunnyvale. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Sunnyvale, CA Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 94089

When discussing California homeowners insurance rates, Sunnyvale residents are finding new ways to save time and money by discovering lower rates when they shop online. California may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 24. Residents that live within the 94089 zipcode are currently paying $939 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Sunnyvale does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

94089 Home Insurance Average Premiums

Local 94089 homeowners insurance quotes comparison

$689 /yr.

Shows Zip Code: 94089 lowest rates with discounts applied on average.

For the 94089, 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)
$689 /yr.
Average Coverage:$939 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1239 /yr.

What is the average home insurance cost for a home in 94089?

  • • The average homeowners insurance premium paid annually for a home in 94089 is around $939 per year.

What does it cost on average per month for home insurance in 94089?

  • • Homeowners in 94089 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 94089?

  • • Autoowners in 94089 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 Sunnyvale area, check out other zip codes nearby 94089.
Review average rates in another zip code:
94086 homeowners insurance rates
94087 homeowners insurance rates
94085 homeowners insurance rates
94089 homeowners insurance rates

Home Replacement Cost Coverage in 94089

Average Building Cost Per Square Foot in 94089: $324

Location: Sunnyvale, California (Santa Clara County)

Average Square Footage in 94089: 1,044 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94089 before you start any project. Sunnyvale 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 94089 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 94089 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,044 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 Sunnyvale 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$3241,044$338,100
Additional Upgrades & Added Features$4051,044$422,625
Major Home Updates or Advancements$4861,044$507,150

It's important to understand that when you estimate your replacement cost of your home in the 94089 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 94089

Best Home & Auto Insurance Agencies in 94089

Housing Demographics for 94089

Population Review for 94089 Zip Code

For the city of Sunnyvale, the population within 94089 has increased to over 23,667 residents in population size. The current population total is 23,255. We have broken down the population based on race below. In 94089, there are over 11843 in male population and 11412 females.

PopulationValues
Total Population23,255
White Population6639
Black Population465
Hispanic Population4609
Asian Population11053
Hawaiian Population157
Indian Population189
Other Population2541
Male Population11843
Female Population11412
Population Estimate23667

Household Data for 94089

The average number of homes in 94089 is around 8,909, there are an average of 2.60 per household. The average house value according to local real estate values is around $338,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,909
Persons Per Household2.60
Average House Value$338,100
Income Per Household$136983
Median Age36.0
Median Age Male34.6
Median Age Female38.1
94089 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code341/408/510/650/669
CitySunnyvale
City Alias NameSUNNYVALE
CountySanta Clara
County FIPS085
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA7400
CSA488
CBSA41940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSan Jose-Sunnyvale-Santa Clara, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameSan Jose, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses562
Number Of Employees46185
Business First Quarter Payroll3834281
Business Annual Payroll14900630
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1836911
CBSA Division Population0
Congressional District17
Congressional LandArea184.85
Delivery Residential9103
Delivery Business416
Delivery Total9515
Preferred Last Line KeyZ23492
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_Name
City State KeyZ23492
Land Area6.085000
Water Area0.004000
City Alias Code
City Mixed CaseSunnyvale
City Alias Mixed CaseSunnyvale
Box Count0
SFDU5132
MFDU1648
State ANSI06
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number057620
Unique ZIP Name
SSA State County Code05530
Medicare CBSA Code41940
Medicare CBSA NameSan Jose-Sunnyvale-Santa Clara, CA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseSanta Clara

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 […]