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Home Insurance in 95429
One of the best ways to save money on your homeowners insurance policy in the 95429 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Dos Rios, CA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our California licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 95429 zip code and you are ready to start saving on home insurance.
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Find Dos Rios, CA Homeowners Insurance Quotes to review the best coverage options in your area.
Information on the Average Homeowners Premiums in 95429
According to industry data, homeowners located in Dos Rios pay roughly $1090 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 95429 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of California home insurance premiums found that premiums in 95429 are 23 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
Start Shopping 95429 Home Insurance Quotes Right Now!
The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 95429.
Let us find you a great policy at an affordable price, get 95429 homeowners insurance quotes now.
95429 Home Insurance Average Premiums
$840 /yr.
Shows Zip Code: 95429 lowest rates with discounts applied on average.
For the 95429, 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) | $840 /yr. |
| Average Coverage: | $1090 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1390 /yr. |
What is the average home insurance cost for a home in 95429?
- • The average homeowners insurance premium paid annually for a home in 95429 is around $1090 per year.
What does it cost on average per month for home insurance in 95429?
- • Homeowners in 95429 pay a monthly average cost per month around $91.00.
What kind of discount could I get if I combine my home and auto insurance together in 95429?
- • Autoowners in 95429 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 Dos Rios, check out other zip codes nearby 95429.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 95429
Average Building Cost Per Square Foot in 95429: $324
Location: Dos Rios, California (Mendocino County)Average Square Footage in 95429: 1,038 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 95429 before you start any project. Dos Rios 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 95429 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 95429 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,038 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 Dos Rios 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 | 1,038 | $336,200 |
| Additional Upgrades & Added Features | $405 | 1,038 | $420,250 |
| Major Home Updates or Advancements | $486 | 1,038 | $504,300 |
It's important to understand that when you estimate your replacement cost of your home in the 95429 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 95429
Best Home & Auto Insurance Agencies in 95429
Housing Demographics for 95429
Population Review for 95429 Zip Code
For the city of Dos Rios, the population within 95429 has increased to over 106 residents in population size. The current population total is 106. We have broken down the population based on race below. In 95429, there are over 56 in male population and 50 females.
| Population | Values |
|---|---|
| Total Population | 106 |
| White Population | 75 |
| Black Population | 0 |
| Hispanic Population | 23 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 8 |
| Male Population | 56 |
| Female Population | 50 |
| Population Estimate | 106 |
Household Data for 95429
The average number of homes in 95429 is around 50, there are an average of 2.12 per household. The average house value according to local real estate values is around $336,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 50 |
| Persons Per Household | 2.12 |
| Average House Value | $336,200 |
| Income Per Household | $0 |
| Median Age | 46.0 |
| Median Age Male | 49.0 |
| Median Age Female | 37.0 |
| 95429 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 707 |
| City | Dos Rios |
| City Alias Name | DOS RIOS |
| County | Mendocino |
| County FIPS | 045 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 46380 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Ukiah, CA |
| 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 | 87841 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 12952.23 |
| Delivery Residential | 50 |
| Delivery Business | 0 |
| Delivery Total | 52 |
| Preferred Last Line Key | 016418 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | 016418 |
| Land Area | 25.414000 |
| Water Area | 0.019000 |
| City Alias Code | |
| City Mixed Case | Dos Rios |
| City Alias Mixed Case | Dos Rios |
| Box Count | 0 |
| SFDU | 50 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 045 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 058472 |
| Unique ZIP Name | |
| SSA State County Code | 05330 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Mendocino |
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 […]