Cool, CA Home Insurance Quotes!

Cool, CA residents are discovering how easy it is to shop rates online with GetHomeInsuranceQuotes.com. The difference in our service allows you to enjoy our easy quoting system application that quickly helps you enter the home details and information needed for us to generate up to 12 competitive Cool homeowners insurance rates. Over the years we have learned that homeowners don't have a lot of time to shop every carrier and nor do they know which carriers are best for them. This is why our top-notch quoting services helps save you time and money because we can provide the most competitive rates available and help you compare the differences in price, overall cost and coverage. Shop rates now as low as $661 per year.

Since 2009, our agency focus has been to put the greatest needs of customers first allowing homeowners like yourself living in Cool to quickly and accurately get the home insurance policy you need, no matter if you are shopping rates because of unexpected rate increases or if you are moving into a new home in the local area.

For fast home insurance quotes for your home in Cool, CA, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 1-855-976-2656!

Cool, CA Facts & Demographics

Source	Value
Location:	Cool, CA (EL DORADO County)
Population:	7,666
Occupied Residents:	3,068
Average Real Estate Value Per Zip Code:	$393,600

Average Cool, CA Homeowners Insurance Rates

Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Cool, CA.

What is the average Cool, CA home insurance rate per year? $911 / yr.
What is the monthly cost of home insurance in Cool on avereage? $76
What does home insurance cost in Cool for a 1500 square foot home? $661 (based on a standard HO-3 policy with discounts applied)
What the national average in the United States? $1,311.00

The average rates in Cool, CA are based on "averages" in your local area which only include an HO-3 home insurance package policies for homes that are occupied. Our quoting system will help you save up to 40% or more when we compare rates, discounts and coverage options.

Top 5 Helpful Saving Resources

Below are helpful saving tips when purchasing or shopping for home insurance.

FAQ: What is a Cool, CA Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Cool, CA?
This FREE Home Replacement Cost Value Calculator will calculate your replacement cost coverage for your home in Cool, CA so you know what type of home insurance coverage you need to cover your dwelling coverage or replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in California
Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Cool, CA!

Get up to 12 competitive Cool, CA homeowners insurance rates all in one place!

Servicing Cool, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Cool agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Cool, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Cool, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Cool

Are you looking for homeowners insurance in a city near Cool? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Cool, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Cool.

95614,

Cool, CA Home Insurance Average Premiums

Local Cool, CA home insurance quotes comparison

$661 /yr.

Shows Cool's lowest average rates with discounts applied.

For the city of Cool, 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)	$661 /yr.
Average Coverage:	$911 /yr.
2600 sq. ft. or higher (all discounts applied)	$1211 /yr.

What is the average home insurance cost for a home in Cool, CA?

• The average homeowners insurance premium paid annually for a home in Cool is around $911 per year.

What does it cost on average per month for home insurance in Cool, CA?

• Homeowners in Cool pay an average cost per month around $76.00 for insurance coverage.

Cool, CA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$526,462	$540,911
February	$523,719	$547,618
March	$523,374	$556,388
April	$524,642	$563,291

Homeowners insurance will help cover the cost to repair or replace your Cool home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Cool
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Cool, CA homeowners insurance rates all in one place!

Saving Money Tips on Cool Home Insurance

A great way to save money on Cool homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Cool area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1561 ft.	This is the average home elevation in Cool, CA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local California flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Cool, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in El Dorado County.

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 […]

Cool, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Cool so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Cool, CA?

- The average square footage in Cool is around 1,215 Sq. Ft. which would cost you around $393,600 to replace the home if you base the home on the price to build per square foot of $324.

Minimum Replacement Cost Total: $393,600

Location: Cool, California (El Dorado County)

Average Building Cost Per Square Foot in Cool: $324 (low end)

Average Square Footage in Cool: 1,215 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$324	$393,600
Some Additional Upgrades	$405	$492,000
Major Home Updates or Advancements	$486	$590,400

Calculate Your Cool, CA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($324) in Cool, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,012,500 (Media price to build of $405 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.