Homeowners Insurance in 92128

For homeowners living in 92128, you want more affordable home insurance rates in San Diego, right? Our rates are very competitive for homeowners living in the great city of San Diego, CA. Many homeowners living in the 92128 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 92128 should appear in the zip code field ready to go. Comparing San Diego, CA Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

92128 Home Insurance Costs Are Considered: High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in San Diego pay around $947 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing California home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 92128 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, San Diego homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your California home insurance premium today!

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Average Building Cost Per Square Foot in 92128: $324

Average Square Footage in 92128: 2,105 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92128 before you start any project. San Diego 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 92128 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 92128 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,105 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 San Diego 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.

It's important to understand that when you estimate your replacement cost of your home in the 92128 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.

Bowman- Shari L - State Farm Insurance Agent

AAA Automobile Club of So California

Household Data for 92128

The average number of homes in 92128 is around 20,220, there are an average of 2.39 per household. The average house value according to local real estate values is around $681,900. Please review the following demographics below for average income and media age.

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