Get multiple home insurance quotes in 96142. Our licensed 96142, CA agents are ready to serve you.

Homeowners Insurance in 96142

For homeowners living in 96142, you want more affordable home insurance rates in Tahoma, right? Our rates are very competitive for homeowners living in the great city of Tahoma, CA. Many homeowners living in the 96142 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 96142 should appear in the zip code field ready to go. Comparing Tahoma, CA Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

96142 Home Insurance Costs Are Considered: High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Tahoma pay around $936 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing California home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 96142 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Tahoma homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your California home insurance premium today!

Get 96142 Homeowners Insurance Rates Now!

96142 Home Insurance Average Premiums

Local 96142 homeowners insurance quotes comparison

$686 /yr.

Shows Zip Code: 96142 lowest rates with discounts applied on average.

For the 96142, 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)
$686 /yr.
Average Coverage:$936 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1236 /yr.

What is the average home insurance cost for a home in 96142?

  • • The average homeowners insurance premium paid annually for a home in 96142 is around $936 per year.

What does it cost on average per month for home insurance in 96142?

  • • Homeowners in 96142 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 96142?

  • • Autoowners in 96142 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 Tahoma area, check out other zip codes nearby 96142.
Review average rates in another zip code:
96142 homeowners insurance rates

Home Replacement Cost Coverage in 96142

Average Building Cost Per Square Foot in 96142: $324

Location: Tahoma, California (El Dorado County)

Average Square Footage in 96142: 1,783 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 96142 before you start any project. Tahoma 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 96142 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 96142 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,783 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 Tahoma 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$3241,783$577,700
Additional Upgrades & Added Features$4051,783$722,125
Major Home Updates or Advancements$4861,783$866,550

It's important to understand that when you estimate your replacement cost of your home in the 96142 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 96142

Best Home & Auto Insurance Agencies in 96142

Housing Demographics for 96142

Population Review for 96142 Zip Code

For the city of Tahoma, the population within 96142 has increased to over 0 residents in population size. The current population total is 973. We have broken down the population based on race below. In 96142, there are over 526 in male population and 447 females.

PopulationValues
Total Population973
White Population847
Black Population2
Hispanic Population45
Asian Population3
Hawaiian Population2
Indian Population2
Other Population16
Male Population526
Female Population447
Population Estimate0

Household Data for 96142

The average number of homes in 96142 is around 453, there are an average of 2.15 per household. The average house value according to local real estate values is around $577,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode453
Persons Per Household2.15
Average House Value$577,700
Income Per Household$60625
Median Age49.6
Median Age Male48.6
Median Age Female50.9
96142 DetailsValues
StateCA
State Full NameCalifornia
City TypeZ
City Alias Abbreviation
Area Code530
CityTahoma
City Alias NameTAHOMA
CountyEl Dorado
County FIPS017
State FIPS06
Time Zone8
Day Light SavingY
MSA6922
PMSA6920
CSA472
CBSA40900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSacramento-Roseville-Folsom, CA
MSA_NameSacramento-Yolo, CA CMSA
PMSA_NameSacramento, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses26
Number Of Employees70
Business First Quarter Payroll814
Business Annual Payroll4447
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2149127
CBSA Division Population0
Congressional District03
Congressional LandArea6183.59
Delivery Residential0
Delivery Business0
Delivery Total691
Preferred Last Line KeyZ23527
Classification CodeP
Multi-CountyY
CSA NameSacramento-Roseville, CA
CBSA_DIV_Name
City State KeyZ23527
Land Area15.986000
Water Area25.499000
City Alias Code
City Mixed CaseTahoma
City Alias Mixed CaseTahoma
Box Count667
SFDU0
MFDU0
State ANSI06
County ANSI017
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number053528
Unique ZIP Name
SSA State County Code05080
Medicare CBSA Code40900
Medicare CBSA NameSacramento-Roseville-Folsom, CA
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseEl Dorado

California Homeowners Insurance News & Information

  • 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 […]