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96123 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 96123 zip code find a great new policy that offers the coverage they need at a price they can afford.
GetHomeInsuranceQuotes.com makes shopping for a new policy in Ravendale, CA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 96123.
Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.
If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 96123 and start shopping.
Quickly and Easily Compare Average Rates for 96123
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ravendale, CA home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 96123
Homeowners in Ravendale are paying roughly $1124 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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96123 Home Insurance Average Premiums
$874 /yr.
Shows Zip Code: 96123 lowest rates with discounts applied on average.
For the 96123, 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) | $874 /yr. |
| Average Coverage: | $1124 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1424 /yr. |
What is the average home insurance cost for a home in 96123?
- • The average homeowners insurance premium paid annually for a home in 96123 is around $1124 per year.
What does it cost on average per month for home insurance in 96123?
- • Homeowners in 96123 pay a monthly average cost per month around $94.00.
What kind of discount could I get if I combine my home and auto insurance together in 96123?
- • Autoowners in 96123 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 Ravendale, check out other zip codes nearby 96123.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 96123
Average Building Cost Per Square Foot in 96123: $324
Location: Ravendale, California (Lassen County)Average Square Footage in 96123: 714 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 96123 before you start any project. Ravendale 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 96123 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 96123 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 714 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 Ravendale 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 | 714 | $231,300 |
| Additional Upgrades & Added Features | $405 | 714 | $289,125 |
| Major Home Updates or Advancements | $486 | 714 | $346,950 |
It's important to understand that when you estimate your replacement cost of your home in the 96123 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 96123
Best Home & Auto Insurance Agencies in 96123
Housing Demographics for 96123
Population Review for 96123 Zip Code
For the city of Ravendale, the population within 96123 has increased to over 73 residents in population size. The current population total is 100. We have broken down the population based on race below. In 96123, there are over 41 in male population and 59 females.
| Population | Values |
|---|---|
| Total Population | 100 |
| White Population | 81 |
| Black Population | 0 |
| Hispanic Population | 22 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 11 |
| Male Population | 41 |
| Female Population | 59 |
| Population Estimate | 73 |
Household Data for 96123
The average number of homes in 96123 is around 38, there are an average of 2.63 per household. The average house value according to local real estate values is around $231,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 38 |
| Persons Per Household | 2.63 |
| Average House Value | $231,300 |
| Income Per Household | $33906 |
| Median Age | 42.0 |
| Median Age Male | 36.8 |
| Median Age Female | 42.5 |
| 96123 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 530 |
| City | Ravendale |
| City Alias Name | RAVENDALE |
| County | Lassen |
| County FIPS | 035 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 45000 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Susanville, 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 | 34895 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 28089.47 |
| Delivery Residential | 28 |
| Delivery Business | 0 |
| Delivery Total | 1417 |
| Preferred Last Line Key | Z22625 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z22625 |
| Land Area | 336.229000 |
| Water Area | 2.038000 |
| City Alias Code | |
| City Mixed Case | Ravendale |
| City Alias Mixed Case | Ravendale |
| Box Count | 29 |
| SFDU | 5 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 035 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 056336 |
| Unique ZIP Name | |
| SSA State County Code | 05170 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Lassen |
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 […]