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92310 Home Insurance Rates & Premiums
Did you know there are over 8,102 people living within the 92310 zip code area? There are over 2,336 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:
- We will shop up to 12 home insurance companies for free.
- We will apply all discounts and credits to help you save up to 40% or more.
- We will answer any questions that you may.
- We will review the best policy and coverage option in 92310.
Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.
Average homeowners insurance premiums in California are on the rise. The estimated average premium is around $917 a year for a standard homeowners insurance policy in Fort Irwin. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.
92310 Home Insurance Average Premiums
$667 /yr.
Shows Zip Code: 92310 lowest rates with discounts applied on average.
For the 92310, 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) | $667 /yr. |
| Average Coverage: | $917 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1217 /yr. |
What is the average home insurance cost for a home in 92310?
- • The average homeowners insurance premium paid annually for a home in 92310 is around $917 per year.
What does it cost on average per month for home insurance in 92310?
- • Homeowners in 92310 pay a monthly average cost per month around $76.00.
What kind of discount could I get if I combine my home and auto insurance together in 92310?
- • Autoowners in 92310 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 Fort Irwin area, check out other zip codes nearby 92310.
Review average rates in another zip code:
92310 homeowners insurance rates
Home Replacement Cost Coverage in 92310
Average Building Cost Per Square Foot in 92310: $324
Location: Fort Irwin, California (San Bernardino County)Average Square Footage in 92310: 509 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 92310 before you start any project. Fort Irwin 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 92310 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 92310 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 509 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 Fort Irwin 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 | 509 | $165,000 |
| Additional Upgrades & Added Features | $405 | 509 | $206,250 |
| Major Home Updates or Advancements | $486 | 509 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 92310 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 92310
Best Home & Auto Insurance Agencies in 92310
Housing Demographics for 92310
Population Review for 92310 Zip Code
For the city of Fort Irwin, the population within 92310 has increased to over 7,702 residents in population size. The current population total is 8,102. We have broken down the population based on race below. In 92310, there are over 4623 in male population and 3479 females.
| Population | Values |
|---|---|
| Total Population | 8,102 |
| White Population | 4229 |
| Black Population | 1172 |
| Hispanic Population | 2141 |
| Asian Population | 530 |
| Hawaiian Population | 148 |
| Indian Population | 165 |
| Other Population | 714 |
| Male Population | 4623 |
| Female Population | 3479 |
| Population Estimate | 7702 |
Household Data for 92310
The average number of homes in 92310 is around 2,336, there are an average of 2.91 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,336 |
| Persons Per Household | 2.91 |
| Average House Value | $165,000 |
| Income Per Household | $58000 |
| Median Age | 24.0 |
| Median Age Male | 24.3 |
| Median Age Female | 23.4 |
| 92310 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | B |
| City Alias Abbreviation | |
| Area Code | 760/442 |
| City | Fort Irwin |
| City Alias Name | FORT IRWIN |
| County | San Bernardino |
| County FIPS | 071 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 4472 |
| PMSA | 6780 |
| CSA | 348 |
| CBSA | 40140 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Riverside-San Bernardino-Ontario, CA |
| MSA_Name | Los Angeles-Riverside-Orange County, CA |
| PMSA_Name | Riverside-San Bernardino, CA PMSA |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 62 |
| Number Of Employees | 2336 |
| Business First Quarter Payroll | 38767 |
| Business Annual Payroll | 149605 |
| 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 | 4224851 |
| CBSA Division Population | 0 |
| Congressional District | 23 |
| Congressional LandArea | 9898 |
| Delivery Residential | 2647 |
| Delivery Business | 5 |
| Delivery Total | 3272 |
| Preferred Last Line Key | Z21176 |
| Classification Code | |
| Multi-County | |
| CSA Name | Los Angeles-Long Beach, CA |
| CBSA_DIV_Name | |
| City State Key | Z21176 |
| Land Area | 82.711000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Fort Irwin |
| City Alias Mixed Case | Fort Irwin |
| Box Count | 442 |
| SFDU | 2 |
| MFDU | 19 |
| State ANSI | 06 |
| County ANSI | 071 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | B |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 050516 |
| Unique ZIP Name | |
| SSA State County Code | 05460 |
| Medicare CBSA Code | 40140 |
| Medicare CBSA Name | Riverside-San Bernardino-Ontario, CA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 16 |
| County Mixed Case | San Bernardino |
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, […]