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Compare multiple home insurance rates for your home in Somes Bar just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 44 neighbors looking to save on their home insurance policy in the local 95568 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 95568. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best California rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Somes Bar, CA home insurance rates today!
For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Somes Bar, CA
95568 Home Insurance Average Premiums
$656 /yr.
Shows Zip Code: 95568 lowest rates with discounts applied on average.
For the 95568, 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) | $656 /yr. |
| Average Coverage: | $906 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1206 /yr. |
What is the average home insurance cost for a home in 95568?
- • The average homeowners insurance premium paid annually for a home in 95568 is around $906 per year.
What does it cost on average per month for home insurance in 95568?
- • Homeowners in 95568 pay a monthly average cost per month around $76.00.
What kind of discount could I get if I combine my home and auto insurance together in 95568?
- • Autoowners in 95568 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 Somes Bar area, check out other zip codes nearby 95568.
Review average rates in another zip code:
95568 homeowners insurance rates
Home Replacement Cost Coverage in 95568
Average Building Cost Per Square Foot in 95568: $324
Location: Somes Bar, California (Siskiyou County)Average Square Footage in 95568: 1,007 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 95568 before you start any project. Somes Bar 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 95568 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 95568 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,007 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 Somes Bar 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 | 1,007 | $326,200 |
| Additional Upgrades & Added Features | $405 | 1,007 | $407,750 |
| Major Home Updates or Advancements | $486 | 1,007 | $489,300 |
It's important to understand that when you estimate your replacement cost of your home in the 95568 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 95568
Best Home & Auto Insurance Agencies in 95568
Housing Demographics for 95568
Population Review for 95568 Zip Code
For the city of Somes Bar, the population within 95568 has increased to over 436 residents in population size. The current population total is 164. We have broken down the population based on race below. In 95568, there are over 91 in male population and 73 females.
| Population | Values |
|---|---|
| Total Population | 164 |
| White Population | 87 |
| Black Population | 3 |
| Hispanic Population | 24 |
| Asian Population | 0 |
| Hawaiian Population | 1 |
| Indian Population | 36 |
| Other Population | 17 |
| Male Population | 91 |
| Female Population | 73 |
| Population Estimate | 436 |
Household Data for 95568
The average number of homes in 95568 is around 44, there are an average of 3.36 per household. The average house value according to local real estate values is around $326,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 44 |
| Persons Per Household | 3.36 |
| Average House Value | $326,200 |
| Income Per Household | $71250 |
| Median Age | 42.0 |
| Median Age Male | 40.5 |
| Median Age Female | 44.8 |
| 95568 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 530 |
| City | Somes Bar |
| City Alias Name | SOMES BAR |
| County | Siskiyou |
| County FIPS | 093 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 28089.47 |
| Delivery Residential | 130 |
| Delivery Business | 2 |
| Delivery Total | 426 |
| Preferred Last Line Key | 009461 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | 009461 |
| Land Area | 97.003000 |
| Water Area | 1.062000 |
| City Alias Code | |
| City Mixed Case | Somes Bar |
| City Alias Mixed Case | Somes Bar |
| Box Count | 0 |
| SFDU | 16 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 093 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 055706 |
| Unique ZIP Name | |
| SSA State County Code | 05570 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Siskiyou |
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 […]