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92154 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 92154 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in San Diego, CA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 92154 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in California, like average San Diego homeowners insurance rates, coverage options or home insurance types, please select San Diego, CA Home Insurance Rates Online!

92154 Home Insurance Average Premiums

Local 92154 homeowners insurance quotes comparison

$635 /yr.

Shows Zip Code: 92154 lowest rates with discounts applied on average.

For the 92154, 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)
$635 /yr.
Average Coverage:$885 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1185 /yr.

What is the average home insurance cost for a home in 92154?

  • • The average homeowners insurance premium paid annually for a home in 92154 is around $885 per year.

What does it cost on average per month for home insurance in 92154?

  • • Homeowners in 92154 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 92154?

  • • Autoowners in 92154 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 92154.
Review average rates in another zip code:
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92102 homeowners insurance rates

Home Replacement Cost Coverage in 92154

Average Building Cost Per Square Foot in 92154: $324

Location: San Diego, California (San Diego County)

Average Square Footage in 92154: 1,475 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92154 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 92154 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 92154 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,475 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$3241,475$477,900
Additional Upgrades & Added Features$4051,475$597,375
Major Home Updates or Advancements$4861,475$716,850

It's important to understand that when you estimate your replacement cost of your home in the 92154 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 92154

Best Home & Auto Insurance Agencies in 92154

Housing Demographics for 92154

Population Review for 92154 Zip Code

For the city of San Diego, the population within 92154 has increased to over 83,048 residents in population size. The current population total is 84,027. We have broken down the population based on race below. In 92154, there are over 42466 in male population and 41561 females.

PopulationValues
Total Population84,027
White Population18338
Black Population4368
Hispanic Population58318
Asian Population10245
Hawaiian Population396
Indian Population1308
Other Population28206
Male Population42466
Female Population41561
Population Estimate83048

Household Data for 92154

The average number of homes in 92154 is around 22,455, there are an average of 3.57 per household. The average house value according to local real estate values is around $477,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode22,455
Persons Per Household3.57
Average House Value$477,900
Income Per Household$74705
Median Age35.7
Median Age Male34.2
Median Age Female37.5
92154 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code619
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 Businesses1765
Number Of Employees19142
Business First Quarter Payroll217203
Business Annual Payroll941639
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 Residential23263
Delivery Business2016
Delivery Total23936
Preferred Last Line KeyZ22794
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22794
Land Area51.303000
Water Area0.631000
City Alias Code
City Mixed CaseSan Diego
City Alias Mixed CaseSan Diego
Box Count0
SFDU9525
MFDU2618
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 […]