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Compare 92147 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in San Diego just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 4 neighbors looking to save on their home insurance policy in the local 92147 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 92147. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best California rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your San Diego, CA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in San Diego, CA

92147 Home Insurance Average Premiums

Local 92147 homeowners insurance quotes comparison

$667 /yr.

Shows Zip Code: 92147 lowest rates with discounts applied on average.

For the 92147, 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)
$667 /yr.
Average Coverage:$917 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1217 /yr.

What is the average home insurance cost for a home in 92147?

  • • The average homeowners insurance premium paid annually for a home in 92147 is around $917 per year.

What does it cost on average per month for home insurance in 92147?

  • • Homeowners in 92147 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 92147?

  • • Autoowners in 92147 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 92147.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 92147

Average Building Cost Per Square Foot in 92147: $324

Location: San Diego, California (San Diego County)

Average Square Footage in 92147: 509 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92147 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 92147 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 92147 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 509 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$324509$165,000
Additional Upgrades & Added Features$405509$206,250
Major Home Updates or Advancements$486509$247,500

It's important to understand that when you estimate your replacement cost of your home in the 92147 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 92147

Best Home & Auto Insurance Agencies in 92147

Housing Demographics for 92147

Population Review for 92147 Zip Code

For the city of San Diego, the population within 92147 has increased to over 0 residents in population size. The current population total is 256. We have broken down the population based on race below. In 92147, there are over 235 in male population and 21 females.

PopulationValues
Total Population256
White Population165
Black Population40
Hispanic Population89
Asian Population14
Hawaiian Population0
Indian Population6
Other Population17
Male Population235
Female Population21
Population Estimate0

Household Data for 92147

The average number of homes in 92147 is around 4, there are an average of 0.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4
Persons Per Household0.00
Average House Value$165,000
Income Per Household$0
Median Age21.6
Median Age Male21.5
Median Age Female26.1
92147 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code619/858/760
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 Businesses14
Number Of Employees146
Business First Quarter Payroll3887
Business Annual Payroll15813
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 Residential0
Delivery Business1
Delivery Total1
Preferred Last Line KeyZ22794
Classification CodeU
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22794
Land Area0.087000
Water Area0.000000
City Alias CodeM1
City Mixed CaseSan Diego
City Alias Mixed CaseSan Diego
Box Count0
SFDU0
MFDU0
State ANSI06
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
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

  • 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 […]