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93286, CA Home Insurance

In the zip code of 93286, the population size is around 9,735, which consists of 2,961 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Woodlake, CA. A few years ago, a study was done and found that the average home insurance rates for California are around $916 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 93286 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Woodlake. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Woodlake, CA Homeowners Insurance Online Rates Today!

93286 Home Insurance Average Premiums

Local 93286 homeowners insurance quotes comparison

$666 /yr.

Shows Zip Code: 93286 lowest rates with discounts applied on average.

For the 93286, 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)
$666 /yr.
Average Coverage:$916 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1216 /yr.

What is the average home insurance cost for a home in 93286?

  • • The average homeowners insurance premium paid annually for a home in 93286 is around $916 per year.

What does it cost on average per month for home insurance in 93286?

  • • Homeowners in 93286 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 93286?

  • • Autoowners in 93286 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 Woodlake area, check out other zip codes nearby 93286.
Review average rates in another zip code:
93286 homeowners insurance rates

Home Replacement Cost Coverage in 93286

Average Building Cost Per Square Foot in 93286: $324

Location: Woodlake, California (Tulare County)

Average Square Footage in 93286: 719 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 93286 before you start any project. Woodlake 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 93286 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 93286 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 719 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 Woodlake 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$324719$232,800
Additional Upgrades & Added Features$405719$291,000
Major Home Updates or Advancements$486719$349,200

It's important to understand that when you estimate your replacement cost of your home in the 93286 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 93286

Best Home & Auto Insurance Agencies in 93286

Housing Demographics for 93286

Population Review for 93286 Zip Code

For the city of Woodlake, the population within 93286 has increased to over 10,314 residents in population size. The current population total is 9,735. We have broken down the population based on race below. In 93286, there are over 4859 in male population and 4876 females.

PopulationValues
Total Population9,735
White Population3488
Black Population57
Hispanic Population7581
Asian Population85
Hawaiian Population4
Indian Population203
Other Population4024
Male Population4859
Female Population4876
Population Estimate10314

Household Data for 93286

The average number of homes in 93286 is around 2,961, there are an average of 3.29 per household. The average house value according to local real estate values is around $232,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,961
Persons Per Household3.29
Average House Value$232,800
Income Per Household$41127
Median Age32.9
Median Age Male32.8
Median Age Female33.1
93286 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code559
CityWoodlake
City Alias NameWOODLAKE
CountyTulare
County FIPS107
State FIPS06
Time Zone8
Day Light SavingY
MSA8780
PMSA
CSA
CBSA47300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameVisalia, CA
MSA_NameVisalia-Tulare-Porterville, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses103
Number Of Employees837
Business First Quarter Payroll8925
Business Annual Payroll37486
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population442179
CBSA Division Population0
Congressional District20|21
Congressional LandArea4874.22|6729.94
Delivery Residential3135
Delivery Business137
Delivery Total3653
Preferred Last Line KeyZ23917
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ23917
Land Area72.585000
Water Area0.506000
City Alias Code
City Mixed CaseWoodlake
City Alias Mixed CaseWoodlake
Box Count287
SFDU2161
MFDU197
State ANSI06
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number058580
Unique ZIP Name
SSA State County Code05640
Medicare CBSA Code47300
Medicare CBSA NameVisalia, CA
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseTulare

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, […]