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Searching for Homeowners Insurance in 92384
If you are a homeowners that lives in 92384 you may be searching for more affordable homeowners insurance in Shoshone. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Shoshone, CA. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.
Our California licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.
Get 92384 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Shoshone, CA home insurance quotes in your local city and review the most competitive coverages and premiums.
Check Out 92384 Home Insurance Costs: high!
In Shoshone, homeowners are paying roughly $1108 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 92384 zip code.
Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Shoshone are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.
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92384 Home Insurance Average Premiums
$858 /yr.
Shows Zip Code: 92384 lowest rates with discounts applied on average.
For the 92384, 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) | $858 /yr. |
| Average Coverage: | $1108 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1408 /yr. |
What is the average home insurance cost for a home in 92384?
- • The average homeowners insurance premium paid annually for a home in 92384 is around $1108 per year.
What does it cost on average per month for home insurance in 92384?
- • Homeowners in 92384 pay a monthly average cost per month around $92.00.
What kind of discount could I get if I combine my home and auto insurance together in 92384?
- • Autoowners in 92384 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.
You can easily shop and compare home insurance rates within Shoshone, check out other zip codes nearby 92384.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 92384
Average Building Cost Per Square Foot in 92384: $324
Location: Shoshone, California (Inyo County)Average Square Footage in 92384: 509 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 92384 before you start any project. Shoshone 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 92384 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 92384 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 Shoshone 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $324 | 509 | $165,000 |
| Additional Upgrades & Added Features | $405 | 509 | $206,250 |
| Major Home Updates or Advancements | $486 | 509 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 92384 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 92384
Best Home & Auto Insurance Agencies in 92384
Housing Demographics for 92384
Population Review for 92384 Zip Code
For the city of Shoshone, the population within 92384 has increased to over 0 residents in population size. The current population total is 24. We have broken down the population based on race below. In 92384, there are over 20 in male population and 4 females.
| Population | Values |
|---|---|
| Total Population | 24 |
| White Population | 17 |
| Black Population | 0 |
| Hispanic Population | 2 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 2 |
| Other Population | 2 |
| Male Population | 20 |
| Female Population | 4 |
| Population Estimate | 0 |
Household Data for 92384
The average number of homes in 92384 is around 18, there are an average of 1.33 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 Data | Values |
|---|---|
| Households Per Zipcode | 18 |
| Persons Per Household | 1.33 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 47.5 |
| Median Age Male | 41.5 |
| Median Age Female | 61.0 |
| 92384 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 760/442 |
| City | Shoshone |
| City Alias Name | SHOSHONE |
| County | Inyo |
| County FIPS | 027 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 13860 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Bishop, CA |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 6 |
| Number Of Employees | 27 |
| Business First Quarter Payroll | 216 |
| Business Annual Payroll | 868 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 18546 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 6183.59 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 67 |
| Preferred Last Line Key | Z22956 |
| Classification Code | P |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z22956 |
| Land Area | 231.867000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Shoshone |
| City Alias Mixed Case | Shoshone |
| Box Count | 55 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 027 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 057218 |
| Unique ZIP Name | |
| SSA State County Code | 05130 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 16 |
| County Mixed Case | Inyo |
California Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
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Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
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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 […]
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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 […]