Get multiple home insurance quotes in 92866. Our licensed 92866, CA agents are ready to serve you.

Homeowners Insurance in 92866

In Orange, CA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 92866 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 92866 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 92866 should appear in the zip code field ready to go.

92866 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 $1003. 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 Orange 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 92866 Home Insurance Rates Now!

Best 3 Options to Compare in 92866

If you want homeowners insurance quotes within the city of Orange or in the 92866 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 Orange, CA.

92866 Home Insurance Average Premiums

Local 92866 homeowners insurance quotes comparison

$753 /yr.

Shows Zip Code: 92866 lowest rates with discounts applied on average.

For the 92866, 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)
$753 /yr.
Average Coverage:$1003 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1303 /yr.

What is the average home insurance cost for a home in 92866?

  • • The average homeowners insurance premium paid annually for a home in 92866 is around $1003 per year.

What does it cost on average per month for home insurance in 92866?

  • • Homeowners in 92866 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 92866?

  • • Autoowners in 92866 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 Orange area, check out other zip codes nearby 92866.
Review average rates in another zip code:
92867 homeowners insurance rates
92869 homeowners insurance rates
92865 homeowners insurance rates
92868 homeowners insurance rates
92866 homeowners insurance rates

Home Replacement Cost Coverage in 92866

Average Building Cost Per Square Foot in 92866: $324

Location: Orange, California (Orange County)

Average Square Footage in 92866: 2,229 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92866 before you start any project. Orange 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 92866 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 92866 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,229 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 Orange 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$3242,229$722,200
Additional Upgrades & Added Features$4052,229$902,750
Major Home Updates or Advancements$4862,229$1,083,300

It's important to understand that when you estimate your replacement cost of your home in the 92866 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 92866

Best Home & Auto Insurance Agencies in 92866

Mercury Insurance - Remland Ins Serv, Incorporated

Address: 636 E Chapman Ave Orange, CA 92866
Phone:
Website: http://www.remlandinsurance.com/
Info:

Paul Simpson-Farmers Insurance

Address: 1431 E Chapman Ave Orange, CA 92866
Phone:
Website:
Info:

Masood Khan-Farmers Insurance

Address: 550 E Chapman Ave, Ste D Orange, CA 92866
Phone:
Website: http://www.farmersagent.com/mkhan2/
Info:

Michael Buttacavoli-Farmers Insurance

Address: 681 S Tustin St, Ste 113 Orange, CA 92866
Phone:
Website: http://www.farmersagent.com/mbuttacavoli/
Info:

Orange Car Insurance

Address: 200 E Chapman Ave Orange, CA 92866
Phone:
Website: http://www.orange.car-insurance9.com/
Info:

Housing Demographics for 92866

Population Review for 92866 Zip Code

For the city of Orange, the population within 92866 has increased to over 15,541 residents in population size. The current population total is 15,935. We have broken down the population based on race below. In 92866, there are over 7559 in male population and 8376 females.

PopulationValues
Total Population15,935
White Population8266
Black Population284
Hispanic Population6772
Asian Population1150
Hawaiian Population31
Indian Population234
Other Population3411
Male Population7559
Female Population8376
Population Estimate15541

Household Data for 92866

The average number of homes in 92866 is around 5,832, there are an average of 2.62 per household. The average house value according to local real estate values is around $722,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,832
Persons Per Household2.62
Average House Value$722,200
Income Per Household$78365
Median Age35.1
Median Age Male34.4
Median Age Female36.0
92866 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code714/657
CityOrange
City Alias NameORANGE
CountyOrange
County FIPS059
State FIPS06
Time Zone8
Day Light SavingY
MSA4472
PMSA5945
CSA348
CBSA31080
CBSA_DIV11244
CBSA_TypeMetro
CBSA_NameLos Angeles-Long Beach-Anaheim, CA
MSA_NameLos Angeles-Riverside-Orange County, CA
PMSA_NameOrange County, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses544
Number Of Employees6758
Business First Quarter Payroll90540
Business Annual Payroll419543
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 Population3010232
Congressional District40|46
Congressional LandArea57.69|71.72
Delivery Residential5932
Delivery Business608
Delivery Total8279
Preferred Last Line KeyZ22336
Classification Code
Multi-County
CSA NameLos Angeles-Long Beach, CA
CBSA_DIV_NameAnaheim-Santa Ana-Irvine, CA
City State KeyZ22336
Land Area1.906000
Water Area0.000000
City Alias Code
City Mixed CaseOrange
City Alias Mixed CaseOrange
Box Count0
SFDU4027
MFDU1236
State ANSI06
County ANSI059
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number055664
Unique ZIP Name
SSA State County Code05400
Medicare CBSA Code11244
Medicare CBSA NameAnaheim-Santa Ana-Irvine, CA
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseOrange

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, […]