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Home Insurance in 95226
If your primary reason for shopping for homeowners insurance in the 95226 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Campo Seco, CA. Many homeowners that live in the 95226 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our California licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 95226 zip code should already appear in the zip code field ready to go. For Campo Seco, CA Homeowners Insurance Quotes, Click to easily get started!
Average Homeowners Premiums in 95226
Homeowners living in the city of Campo Seco are paying on average around $1108 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 95226 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. California home insurance premiums have been recently ranked 23 in the country in terms of the annual cost of premiums. Because premiums in 95226 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.
Easily Compare 95226 Home Insurance Quotes Now!
We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Campo Seco. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!
95226 Home Insurance Average Premiums
$858 /yr.
Shows Zip Code: 95226 lowest rates with discounts applied on average.
For the 95226, 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 95226?
- • The average homeowners insurance premium paid annually for a home in 95226 is around $1108 per year.
What does it cost on average per month for home insurance in 95226?
- • Homeowners in 95226 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 95226?
- • Autoowners in 95226 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 Campo Seco, check out other zip codes nearby 95226.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 95226
Average Building Cost Per Square Foot in 95226: $324
Location: Campo Seco, California (Calaveras County)Average Square Footage in 95226: 509 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 95226 before you start any project. Campo Seco 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 95226 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 95226 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 Campo Seco 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 95226 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 95226
Best Home & Auto Insurance Agencies in 95226
Housing Demographics for 95226
Population Review for 95226 Zip Code
For the city of Campo Seco, the population within 95226 has increased to over 111 residents in population size. The current population total is 48. We have broken down the population based on race below. In 95226, there are over 30 in male population and 18 females.
| Population | Values |
|---|---|
| Total Population | 48 |
| White Population | 36 |
| Black Population | 0 |
| Hispanic Population | 12 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 7 |
| Male Population | 30 |
| Female Population | 18 |
| Population Estimate | 111 |
Household Data for 95226
The average number of homes in 95226 is around 16, there are an average of 3.00 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 Data | Values |
|---|---|
| Households Per Zipcode | 16 |
| Persons Per Household | 3.00 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 43.0 |
| Median Age Male | 42.9 |
| Median Age Female | 51.0 |
| 95226 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 209/350 |
| City | Campo Seco |
| City Alias Name | CAMPO SECO |
| County | Calaveras |
| County FIPS | 009 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 1730.82 |
| Delivery Residential | 37 |
| Delivery Business | 0 |
| Delivery Total | 68 |
| Preferred Last Line Key | Z20482 |
| Classification Code | P |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z20482 |
| Land Area | 3.856000 |
| Water Area | 0.129000 |
| City Alias Code | |
| City Mixed Case | Campo Seco |
| City Alias Mixed Case | Campo Seco |
| Box Count | 0 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 009 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | C |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 058088 |
| Unique ZIP Name | |
| SSA State County Code | 05040 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Calaveras |
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 […]