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Home Insurance in 95709
One of the best ways to save money on your homeowners insurance policy in the 95709 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Camino, CA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our California licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 95709 zip code and you are ready to start saving on home insurance.
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Information on the Average Homeowners Premiums in 95709
According to industry data, homeowners located in Camino pay roughly $969 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 95709 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of California home insurance premiums found that premiums in 95709 are 24 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
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The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 95709.
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95709 Home Insurance Average Premiums
$719 /yr.
Shows Zip Code: 95709 lowest rates with discounts applied on average.
For the 95709, 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) | $719 /yr. |
| Average Coverage: | $969 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1269 /yr. |
What is the average home insurance cost for a home in 95709?
- • The average homeowners insurance premium paid annually for a home in 95709 is around $969 per year.
What does it cost on average per month for home insurance in 95709?
- • Homeowners in 95709 pay a monthly average cost per month around $81.00.
What kind of discount could I get if I combine my home and auto insurance together in 95709?
- • Autoowners in 95709 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 Camino area, check out other zip codes nearby 95709.
Review average rates in another zip code:
95709 homeowners insurance rates
Home Replacement Cost Coverage in 95709
Average Building Cost Per Square Foot in 95709: $324
Location: Camino, California (El Dorado County)Average Square Footage in 95709: 1,436 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 95709 before you start any project. Camino 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 95709 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 95709 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,436 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 Camino 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 | 1,436 | $465,300 |
| Additional Upgrades & Added Features | $405 | 1,436 | $581,625 |
| Major Home Updates or Advancements | $486 | 1,436 | $697,950 |
It's important to understand that when you estimate your replacement cost of your home in the 95709 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 95709
Best Home & Auto Insurance Agencies in 95709
Housing Demographics for 95709
Population Review for 95709 Zip Code
For the city of Camino, the population within 95709 has increased to over 4,440 residents in population size. The current population total is 4,874. We have broken down the population based on race below. In 95709, there are over 2455 in male population and 2419 females.
| Population | Values |
|---|---|
| Total Population | 4,874 |
| White Population | 3919 |
| Black Population | 23 |
| Hispanic Population | 606 |
| Asian Population | 53 |
| Hawaiian Population | 4 |
| Indian Population | 42 |
| Other Population | 321 |
| Male Population | 2455 |
| Female Population | 2419 |
| Population Estimate | 4440 |
Household Data for 95709
The average number of homes in 95709 is around 1,992, there are an average of 2.44 per household. The average house value according to local real estate values is around $465,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,992 |
| Persons Per Household | 2.44 |
| Average House Value | $465,300 |
| Income Per Household | $76644 |
| Median Age | 51.7 |
| Median Age Male | 52.6 |
| Median Age Female | 50.7 |
| 95709 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 530 |
| City | Camino |
| City Alias Name | CAMINO |
| County | El Dorado |
| County FIPS | 017 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 6922 |
| PMSA | 6920 |
| CSA | 472 |
| CBSA | 40900 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Sacramento-Roseville-Folsom, CA |
| MSA_Name | Sacramento-Yolo, CA CMSA |
| PMSA_Name | Sacramento, CA PMSA |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 82 |
| Number Of Employees | 371 |
| Business First Quarter Payroll | 3296 |
| Business Annual Payroll | 18112 |
| 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 | 2149127 |
| CBSA Division Population | 0 |
| Congressional District | 03|05 |
| Congressional LandArea | 6183.59|1730.82 |
| Delivery Residential | 1820 |
| Delivery Business | 41 |
| Delivery Total | 2569 |
| Preferred Last Line Key | Z20470 |
| Classification Code | |
| Multi-County | |
| CSA Name | Sacramento-Roseville, CA |
| CBSA_DIV_Name | |
| City State Key | Z20470 |
| Land Area | 23.795000 |
| Water Area | 0.075000 |
| City Alias Code | |
| City Mixed Case | Camino |
| City Alias Mixed Case | Camino |
| Box Count | 467 |
| SFDU | 1072 |
| MFDU | 130 |
| State ANSI | 06 |
| County ANSI | 017 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 051170 |
| Unique ZIP Name | |
| SSA State County Code | 05080 |
| Medicare CBSA Code | 40900 |
| Medicare CBSA Name | Sacramento-Roseville-Folsom, CA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 3 |
| County Mixed Case | El Dorado |
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 […]