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Homeowners Insurance in 90004

In Los Angeles, CA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 90004 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 90004 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 90004 should appear in the zip code field ready to go.

90004 Homeowners Insurance Rates Are Considered: High!

If your looking for a standard homeowners policy in California, you are going to see rates around the average home insurance premium per year of $1063. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Los Angeles home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 90004 Home Insurance Rates Now!

Best 3 Options to Compare in 90004

If you want homeowners insurance quotes within the city of Los Angeles or in the 90004 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Los Angeles, CA.

90004 Home Insurance Average Premiums

Local 90004 homeowners insurance quotes comparison

$813 /yr.

Shows Zip Code: 90004 lowest rates with discounts applied on average.

For the 90004, 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)
$813 /yr.
Average Coverage:$1063 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1363 /yr.

What is the average home insurance cost for a home in 90004?

  • • The average homeowners insurance premium paid annually for a home in 90004 is around $1063 per year.

What does it cost on average per month for home insurance in 90004?

  • • Homeowners in 90004 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 90004?

  • • Autoowners in 90004 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.

For shopping home insurance rates within the Los Angeles area, check out other zip codes nearby 90004.
Review average rates in another zip code:
90077 homeowners insurance rates
90019 homeowners insurance rates
90021 homeowners insurance rates
90025 homeowners insurance rates
90008 homeowners insurance rates
90062 homeowners insurance rates
90028 homeowners insurance rates
90003 homeowners insurance rates
90058 homeowners insurance rates
90024 homeowners insurance rates

Home Replacement Cost Coverage in 90004

Average Building Cost Per Square Foot in 90004: $324

Location: Los Angeles, California (Los Angeles County)

Average Square Footage in 90004: 3,544 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 90004 before you start any project. Los Angeles 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 90004 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 90004 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,544 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 Los Angeles 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$3243,544$1,148,400
Additional Upgrades & Added Features$4053,544$1,435,500
Major Home Updates or Advancements$4863,544$1,722,600

It's important to understand that when you estimate your replacement cost of your home in the 90004 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 90004

Best Home & Auto Insurance Agencies in 90004

Allstate Insurance Company - Jose Carmina San

Address: 628 N Vermont Ave Los Angeles, CA 90004
Phone:
Website: http://www.allstateagencies.com/059619?cid=OTC-YP.com-IYP&att=TL
Info:

Sanchez, Burt - Allstate

Address: 205 S Vermont Ave Los Angeles, CA 90004
Phone:
Website: http://www.allstateagencies.com/055063/Welcome/
Info:

ROADGUARD INSURANCE

Address: 5770 Melrose Ave Los Angeles, CA 90004
Phone:
Website: http://www.roadguardinsurance.com/
Info:

Housing Demographics for 90004

Population Review for 90004 Zip Code

For the city of Los Angeles, the population within 90004 has increased to over 60,907 residents in population size. The current population total is 58,585. We have broken down the population based on race below. In 90004, there are over 29255 in male population and 29330 females.

PopulationValues
Total Population58,585
White Population14960
Black Population2373
Hispanic Population27410
Asian Population14986
Hawaiian Population47
Indian Population1249
Other Population18389
Male Population29255
Female Population29330
Population Estimate60907

Household Data for 90004

The average number of homes in 90004 is around 23,453, there are an average of 2.47 per household. The average house value according to local real estate values is around $1,148,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode23,453
Persons Per Household2.47
Average House Value$1,148,400
Income Per Household$54947
Median Age36.6
Median Age Male35.8
Median Age Female37.6
90004 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code323/213
CityLos Angeles
City Alias NameLOS ANGELES
CountyLos Angeles
County FIPS037
State FIPS06
Time Zone8
Day Light SavingY
MSA4472
PMSA4480
CSA348
CBSA31080
CBSA_DIV31084
CBSA_TypeMetro
CBSA_NameLos Angeles-Long Beach-Anaheim, CA
MSA_NameLos Angeles-Riverside-Orange County, CA
PMSA_NameLos Angeles-Long Beach, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1356
Number Of Employees8601
Business First Quarter Payroll116261
Business Annual Payroll521618
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population9818605
Congressional District30|34
Congressional LandArea135.94|47.66
Delivery Residential24659
Delivery Business1276
Delivery Total27189
Preferred Last Line KeyZ21805
Classification Code
Multi-County
CSA NameLos Angeles-Long Beach, CA
CBSA_DIV_NameLos Angeles-Long Beach-Glendale, CA
City State KeyZ21805
Land Area3.051000
Water Area0.000000
City Alias Code
City Mixed CaseLos Angeles
City Alias Mixed CaseLos Angeles
Box Count730
SFDU6791
MFDU16707
State ANSI06
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number054530
Unique ZIP Name
SSA State County Code05200
Medicare CBSA Code31084
Medicare CBSA NameLos Angeles-Long Beach-Glendale, CA
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseLos Angeles

California Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]

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

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

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

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]