Compare 95661 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 95661 area? The average homeowners premium in California for a standard homeowners policy is around $892/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 95661 zip code, the population size is around 32,847 with 12,926 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 95661.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Roseville, CA Homeowners Insurance. Compare companies, quotes, coverages and more.

Average Building Cost Per Square Foot in 95661: $324

Average Square Footage in 95661: 1,698 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95661 before you start any project. Roseville 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 95661 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 95661 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,698 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 Roseville 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 95661 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 - Richard A. Cowles

Jim Cusack-Farmers Insurance

Allstate Insurance Company - Julie Domenick

Brian Fisher-Farmers Insurance

Allstate Insurance Companies - Sales Offices- Roseville

Richard Russo-Farmers Insurance

Household Data for 95661

The average number of homes in 95661 is around 12,926, there are an average of 2.48 per household. The average house value according to local real estate values is around $550,300. 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 […]