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Homeowners Insurance in 92127

In San Diego, CA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 92127 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 92127 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 92127 should appear in the zip code field ready to go.

92127 Homeowners Insurance Rates Are Considered: High!

If your looking for a standard homeowners policy in California, you are going to see rates around the average home insurance premium per year of $846. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your San Diego home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 92127 Home Insurance Rates Now!

Best 3 Options to Compare in 92127

If you want homeowners insurance quotes within the city of San Diego or in the 92127 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in San Diego, CA.

92127 Home Insurance Average Premiums

Local 92127 homeowners insurance quotes comparison

$596 /yr.

Shows Zip Code: 92127 lowest rates with discounts applied on average.

For the 92127, 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)
$596 /yr.
Average Coverage:$846 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1146 /yr.

What is the average home insurance cost for a home in 92127?

  • • The average homeowners insurance premium paid annually for a home in 92127 is around $846 per year.

What does it cost on average per month for home insurance in 92127?

  • • Homeowners in 92127 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 92127?

  • • Autoowners in 92127 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 San Diego area, check out other zip codes nearby 92127.
Review average rates in another zip code:
92102 homeowners insurance rates
92129 homeowners insurance rates
92139 homeowners insurance rates
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92101 homeowners insurance rates
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92104 homeowners insurance rates
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92130 homeowners insurance rates
92120 homeowners insurance rates

Home Replacement Cost Coverage in 92127

Average Building Cost Per Square Foot in 92127: $324

Location: San Diego, California (San Diego County)

Average Square Footage in 92127: 2,822 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92127 before you start any project. San Diego 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 92127 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 92127 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,822 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 San Diego 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$3242,822$914,200
Additional Upgrades & Added Features$4052,822$1,142,750
Major Home Updates or Advancements$4862,822$1,371,300

It's important to understand that when you estimate your replacement cost of your home in the 92127 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 92127

Best Home & Auto Insurance Agencies in 92127

Housing Demographics for 92127

Population Review for 92127 Zip Code

For the city of San Diego, the population within 92127 has increased to over 53,568 residents in population size. The current population total is 52,274. We have broken down the population based on race below. In 92127, there are over 25494 in male population and 26780 females.

PopulationValues
Total Population52,274
White Population25341
Black Population921
Hispanic Population5373
Asian Population18235
Hawaiian Population106
Indian Population142
Other Population1464
Male Population25494
Female Population26780
Population Estimate53568

Household Data for 92127

The average number of homes in 92127 is around 16,830, there are an average of 3.09 per household. The average house value according to local real estate values is around $914,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,830
Persons Per Household3.09
Average House Value$914,200
Income Per Household$156464
Median Age38.5
Median Age Male37.6
Median Age Female39.2
92127 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code858
CitySan Diego
City Alias NameSAN DIEGO
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 Businesses1387
Number Of Employees24439
Business First Quarter Payroll690581
Business Annual Payroll2688127
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 District50
Congressional LandArea2787.35
Delivery Residential17336
Delivery Business781
Delivery Total25716
Preferred Last Line KeyZ22794
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22794
Land Area22.674000
Water Area0.518000
City Alias Code
City Mixed CaseSan Diego
City Alias Mixed CaseSan Diego
Box Count0
SFDU2335
MFDU2959
State ANSI06
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number056768
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

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    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 […]