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Compare 93434 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Guadalupe just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,082 neighbors looking to save on their home insurance policy in the local 93434 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 93434. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best California rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Guadalupe, CA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Guadalupe, CA

93434 Home Insurance Average Premiums

Local 93434 homeowners insurance quotes comparison

$686 /yr.

Shows Zip Code: 93434 lowest rates with discounts applied on average.

For the 93434, 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)
$686 /yr.
Average Coverage:$936 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1236 /yr.

What is the average home insurance cost for a home in 93434?

  • • The average homeowners insurance premium paid annually for a home in 93434 is around $936 per year.

What does it cost on average per month for home insurance in 93434?

  • • Homeowners in 93434 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 93434?

  • • Autoowners in 93434 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 Guadalupe area, check out other zip codes nearby 93434.
Review average rates in another zip code:
93434 homeowners insurance rates

Home Replacement Cost Coverage in 93434

Average Building Cost Per Square Foot in 93434: $324

Location: Guadalupe, California (Santa Barbara County)

Average Square Footage in 93434: 1,040 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 93434 before you start any project. Guadalupe 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 93434 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 93434 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,040 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 Guadalupe 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$3241,040$337,100
Additional Upgrades & Added Features$4051,040$421,375
Major Home Updates or Advancements$4861,040$505,650

It's important to understand that when you estimate your replacement cost of your home in the 93434 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 93434

Best Home & Auto Insurance Agencies in 93434

Housing Demographics for 93434

Population Review for 93434 Zip Code

For the city of Guadalupe, the population within 93434 has increased to over 8,958 residents in population size. The current population total is 8,120. We have broken down the population based on race below. In 93434, there are over 4056 in male population and 4064 females.

PopulationValues
Total Population8,120
White Population2234
Black Population49
Hispanic Population7139
Asian Population251
Hawaiian Population15
Indian Population366
Other Population3533
Male Population4056
Female Population4064
Population Estimate8958

Household Data for 93434

The average number of homes in 93434 is around 2,082, there are an average of 3.90 per household. The average house value according to local real estate values is around $337,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,082
Persons Per Household3.90
Average House Value$337,100
Income Per Household$58449
Median Age30.1
Median Age Male29.5
Median Age Female30.6
93434 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code805/820
CityGuadalupe
City Alias NameGUADALUPE
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 Businesses60
Number Of Employees386
Business First Quarter Payroll4463
Business Annual Payroll20018
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 Residential2297
Delivery Business158
Delivery Total4255
Preferred Last Line KeyZ21347
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ21347
Land Area22.806000
Water Area0.566000
City Alias Code
City Mixed CaseGuadalupe
City Alias Mixed CaseGuadalupe
Box Count299
SFDU432
MFDU28
State ANSI06
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number053204
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, […]