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Searching for Homeowners Insurance in 91978
If you are a homeowners that lives in 91978 you may be searching for more affordable homeowners insurance in Spring Valley. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
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Our California licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
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Check Out 91978 Home Insurance Costs: high!
In Spring Valley, homeowners are paying roughly $946 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 91978 zip code.
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91978 Home Insurance Average Premiums
$696 /yr.
Shows Zip Code: 91978 lowest rates with discounts applied on average.
For the 91978, 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) | $696 /yr. |
| Average Coverage: | $946 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1246 /yr. |
What is the average home insurance cost for a home in 91978?
- • The average homeowners insurance premium paid annually for a home in 91978 is around $946 per year.
What does it cost on average per month for home insurance in 91978?
- • Homeowners in 91978 pay a monthly average cost per month around $79.00.
What kind of discount could I get if I combine my home and auto insurance together in 91978?
- • Autoowners in 91978 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 Spring Valley area, check out other zip codes nearby 91978.
Review average rates in another zip code:
91977 homeowners insurance rates
91978 homeowners insurance rates
Home Replacement Cost Coverage in 91978
Average Building Cost Per Square Foot in 91978: $324
Location: Spring Valley, California (San Diego County)Average Square Footage in 91978: 1,402 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 91978 before you start any project. Spring Valley 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 91978 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 91978 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,402 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 Spring Valley 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 | 1,402 | $454,100 |
| Additional Upgrades & Added Features | $405 | 1,402 | $567,625 |
| Major Home Updates or Advancements | $486 | 1,402 | $681,150 |
It's important to understand that when you estimate your replacement cost of your home in the 91978 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 91978
Best Home & Auto Insurance Agencies in 91978
Housing Demographics for 91978
Population Review for 91978 Zip Code
For the city of Spring Valley, the population within 91978 has increased to over 10,626 residents in population size. The current population total is 9,949. We have broken down the population based on race below. In 91978, there are over 4863 in male population and 5086 females.
| Population | Values |
|---|---|
| Total Population | 9,949 |
| White Population | 4607 |
| Black Population | 992 |
| Hispanic Population | 3784 |
| Asian Population | 568 |
| Hawaiian Population | 71 |
| Indian Population | 105 |
| Other Population | 1937 |
| Male Population | 4863 |
| Female Population | 5086 |
| Population Estimate | 10626 |
Household Data for 91978
The average number of homes in 91978 is around 3,260, there are an average of 3.05 per household. The average house value according to local real estate values is around $454,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,260 |
| Persons Per Household | 3.05 |
| Average House Value | $454,100 |
| Income Per Household | $82885 |
| Median Age | 37.3 |
| Median Age Male | 35.3 |
| Median Age Female | 39.0 |
| 91978 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 619 |
| City | Spring Valley |
| City Alias Name | SPRING VALLEY |
| County | San Diego |
| County FIPS | 073 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 7320 |
| PMSA | |
| CSA | |
| CBSA | 41740 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | San Diego-Chula Vista-Carlsbad, CA |
| MSA_Name | San Diego, CA MSA |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 178 |
| Number Of Employees | 1483 |
| Business First Quarter Payroll | 16961 |
| Business Annual Payroll | 75897 |
| 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 | 3095313 |
| CBSA Division Population | 0 |
| Congressional District | 48|51 |
| Congressional LandArea | 145.47|4791.61 |
| Delivery Residential | 3484 |
| Delivery Business | 224 |
| Delivery Total | 7917 |
| Preferred Last Line Key | Z23085 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z23085 |
| Land Area | 11.940000 |
| Water Area | 0.034000 |
| City Alias Code | |
| City Mixed Case | Spring Valley |
| City Alias Mixed Case | Spring Valley |
| Box Count | 0 |
| SFDU | 1764 |
| MFDU | 5 |
| State ANSI | 06 |
| County ANSI | 073 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 057446 |
| Unique ZIP Name | |
| SSA State County Code | 05470 |
| Medicare CBSA Code | 41740 |
| Medicare CBSA Name | San Diego-Chula Vista-Carlsbad, CA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 19 |
| County Mixed Case | San Diego |
California Homeowners Insurance News & Information
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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 […]
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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. […]
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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, […]