95065 Home Insurance Rates

Getting multiple homeowners insurance rates in 95065 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Santa Cruz, CA. Many homeowners based out of the 95065 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our California licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 95065 should appear in the zip code field ready to go. For Santa Cruz, CA Home Insurance Quotes, Click to easily get started!

95065 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 95065 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Santa Cruz. For a basic HO-3, standard homeowners policy, the average premium per year in California is around $862. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 95065 zip code today and let us help you save time and money on your homeowners insurance premium.

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Average Building Cost Per Square Foot in 95065: $324

Average Square Footage in 95065: 2,875 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95065 before you start any project. Santa Cruz 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 95065 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 95065 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,875 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 Santa Cruz 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.

It's important to understand that when you estimate your replacement cost of your home in the 95065 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.

Household Data for 95065

The average number of homes in 95065 is around 3,187, there are an average of 2.59 per household. The average house value according to local real estate values is around $931,400. Please review the following demographics below for average income and media age.

• 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

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• What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

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• 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

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• 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

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• 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

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