95648 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 95648? Our rates are very competitive for homeowners living in Lincoln, CA. Many homeowners based out of your 95648 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 95648 should appear in the zip code field ready to go. For Lincoln, CA Home Insurance Rate Quotes click to review the best rates and service online!

95648 Average Premium is Rated: High!

Homeowners living in 95648 can easily save up to 40% off the average home insurance premium of $952 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 Lincoln 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 95648 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 95648!

Average Building Cost Per Square Foot in 95648: $324

Average Square Footage in 95648: 1,586 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95648 before you start any project. Lincoln 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 95648 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 95648 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,586 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 Lincoln 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 95648 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 Company - Odi Ayala

Allstate Insurance Company - Julie Domenick

William Smith-Farmers Insurance

Christine Taylor State Farm Insurance

William Bernard Schwenning Jr Agency - Nationwide Insurance

Household Data for 95648

The average number of homes in 95648 is around 20,630, there are an average of 2.63 per household. The average house value according to local real estate values is around $514,000. 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

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• What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

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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, […]

• 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 […]