95070 Home Insurance Quotes & Rates

Currently, the 11,242 homes within the 95070 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for California is around $926 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Saratoga, CA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 95070.

California is now ranking #24 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Saratoga home insurance quotes all in one place then GetHomeInsuranceQuotes.com of California has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 95070 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Saratoga, California home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Saratoga, CA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

Average Building Cost Per Square Foot in 95070: $324

Average Square Footage in 95070: 6,173 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95070 before you start any project. Saratoga 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 95070 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 95070 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 6,173 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 Saratoga 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.

It's important to understand that when you estimate your replacement cost of your home in the 95070 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.

Allstate Insurance - Janice M Elder

Baxter- Michael

Barron- Ruth Z

Allstate Insurance - Janice M Elder

Household Data for 95070

The average number of homes in 95070 is around 11,242, there are an average of 2.87 per household. The average house value according to local real estate values is around $2,000,000. Please review the following demographics below for average income and media age.

• 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 […]