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If you live in the 91950 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of National City have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our CA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 91950 and then compare quotes from a variety of nationwide insurance companies.

91950 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 91950 the average premium for homeowners coverage is $939 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 91950. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best National City, CA home insurance quotes in your area.

91950 Home Insurance Average Premiums

Local 91950 homeowners insurance quotes comparison

$689 /yr.

Shows Zip Code: 91950 lowest rates with discounts applied on average.

For the 91950, 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)
$689 /yr.
Average Coverage:$939 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1239 /yr.

What is the average home insurance cost for a home in 91950?

  • • The average homeowners insurance premium paid annually for a home in 91950 is around $939 per year.

What does it cost on average per month for home insurance in 91950?

  • • Homeowners in 91950 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 91950?

  • • Autoowners in 91950 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 National City area, check out other zip codes nearby 91950.
Review average rates in another zip code:
91950 homeowners insurance rates

Home Replacement Cost Coverage in 91950

Average Building Cost Per Square Foot in 91950: $324

Location: National City, California (San Diego County)

Average Square Footage in 91950: 1,391 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 91950 before you start any project. National City 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 91950 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 91950 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,391 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 National City 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$3241,391$450,700
Additional Upgrades & Added Features$4051,391$563,375
Major Home Updates or Advancements$4861,391$676,050

It's important to understand that when you estimate your replacement cost of your home in the 91950 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 91950

Best Home & Auto Insurance Agencies in 91950

Brooke Auto Insurance

Address: 124 E 30th St National City, CA 91950
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 2424 Hoover Ave National City, CA 91950
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 91950

Population Review for 91950 Zip Code

For the city of National City, the population within 91950 has increased to over 58,818 residents in population size. The current population total is 57,849. We have broken down the population based on race below. In 91950, there are over 27903 in male population and 29946 females.

PopulationValues
Total Population57,849
White Population11562
Black Population2217
Hispanic Population38582
Asian Population11108
Hawaiian Population344
Indian Population1013
Other Population18770
Male Population27903
Female Population29946
Population Estimate58818

Household Data for 91950

The average number of homes in 91950 is around 17,280, there are an average of 3.29 per household. The average house value according to local real estate values is around $450,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,280
Persons Per Household3.29
Average House Value$450,700
Income Per Household$51300
Median Age35.6
Median Age Male33.6
Median Age Female37.9
91950 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code619
CityNational City
City Alias NameNATIONAL CITY
CountySan Diego
County FIPS073
State FIPS06
Time Zone8
Day Light SavingY
MSA7320
PMSA
CSA
CBSA41740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSan Diego-Chula Vista-Carlsbad, CA
MSA_NameSan Diego, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1330
Number Of Employees22277
Business First Quarter Payroll221068
Business Annual Payroll981240
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3095313
CBSA Division Population0
Congressional District52
Congressional LandArea267
Delivery Residential17878
Delivery Business2227
Delivery Total19654
Preferred Last Line KeyZ22127
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22127
Land Area7.337000
Water Area0.324000
City Alias Code
City Mixed CaseNational City
City Alias Mixed CaseNational City
Box Count0
SFDU8935
MFDU4531
State ANSI06
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number055298
Unique ZIP Name
SSA State County Code05470
Medicare CBSA Code41740
Medicare CBSA NameSan Diego-Chula Vista-Carlsbad, CA
Medicare CBSA TypeMetro
Market Rating Area ID19
County Mixed CaseSan Diego

California Homeowners Insurance News & Information

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    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 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 […]