Get multiple home insurance quotes in 93103. Our licensed 93103, CA agents are ready to serve you.

Compare 93103 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 93103 area? The average homeowners premium in California for a standard homeowners policy is around $1,034/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 93103 zip code, the population size is around 20,029 with 7,352 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 93103.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Santa Barbara, CA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. CA RateDiscountsSavingsShop Rates
$1,241up to 40% off$496

93103 Home Insurance Average Premiums

Local 93103 homeowners insurance quotes comparison

$784 /yr.

Shows Zip Code: 93103 lowest rates with discounts applied on average.

For the 93103, 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)
$784 /yr.
Average Coverage:$1034 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1334 /yr.

What is the average home insurance cost for a home in 93103?

  • • The average homeowners insurance premium paid annually for a home in 93103 is around $1034 per year.

What does it cost on average per month for home insurance in 93103?

  • • Homeowners in 93103 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 93103?

  • • Autoowners in 93103 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 Santa Barbara area, check out other zip codes nearby 93103.
Review average rates in another zip code:
93101 homeowners insurance rates
93110 homeowners insurance rates
93109 homeowners insurance rates
93108 homeowners insurance rates
93111 homeowners insurance rates
93105 homeowners insurance rates
93103 homeowners insurance rates

Home Replacement Cost Coverage in 93103

Average Building Cost Per Square Foot in 93103: $324

Location: Santa Barbara, California (Santa Barbara County)

Average Square Footage in 93103: 3,448 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 93103 before you start any project. Santa Barbara 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 93103 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 93103 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,448 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 Santa Barbara 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$3243,448$1,117,000
Additional Upgrades & Added Features$4053,448$1,396,250
Major Home Updates or Advancements$4863,448$1,675,500

It's important to understand that when you estimate your replacement cost of your home in the 93103 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 93103

Best Home & Auto Insurance Agencies in 93103

Housing Demographics for 93103

Population Review for 93103 Zip Code

For the city of Santa Barbara, the population within 93103 has increased to over 19,923 residents in population size. The current population total is 20,029. We have broken down the population based on race below. In 93103, there are over 10026 in male population and 10003 females.

PopulationValues
Total Population20,029
White Population9935
Black Population279
Hispanic Population10147
Asian Population507
Hawaiian Population13
Indian Population394
Other Population5069
Male Population10026
Female Population10003
Population Estimate19923

Household Data for 93103

The average number of homes in 93103 is around 7,352, there are an average of 2.66 per household. The average house value according to local real estate values is around $1,117,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,352
Persons Per Household2.66
Average House Value$1,117,000
Income Per Household$99725
Median Age39.3
Median Age Male39.0
Median Age Female39.7
93103 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code805/820
CitySanta Barbara
City Alias NameSANTA BARBARA
CountySanta Barbara
County FIPS083
State FIPS06
Time Zone8
Day Light SavingY
MSA7480
PMSA
CSA
CBSA42200
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSanta Maria-Santa Barbara, CA
MSA_NameSanta Barbara-Santa Maria-Lompoc, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses699
Number Of Employees8402
Business First Quarter Payroll133367
Business Annual Payroll666014
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 Population0
Congressional District24
Congressional LandArea6883.35
Delivery Residential7490
Delivery Business709
Delivery Total7994
Preferred Last Line KeyZ22860
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22860
Land Area5.490000
Water Area0.134000
City Alias Code
City Mixed CaseSanta Barbara
City Alias Mixed CaseSanta Barbara
Box Count0
SFDU5202
MFDU1224
State ANSI06
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number056942
Unique ZIP Name
SSA State County Code05520
Medicare CBSA Code42200
Medicare CBSA NameSanta Maria-Santa Barbara, CA
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseSanta Barbara

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, […]