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93558 Homeowners Insurance Quotes & Rates

Red Mountain residents living within the 34 homes available in the zip code of 93558 are shopping online to compare cheaper and more affordable Red Mountain, CA home insurance rates. In the great city of Red Mountain, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of California is around $917 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 93558 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 93558 home insurance rates today! Please give us a call now at 1-855-976-2656. For Red Mountain, CA Homeowners Insurance Quotes, Click to easily get started!

93558 Home Insurance Average Premiums

Local 93558 homeowners insurance quotes comparison

$667 /yr.

Shows Zip Code: 93558 lowest rates with discounts applied on average.

For the 93558, 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 93558?

  • • The average homeowners insurance premium paid annually for a home in 93558 is around $917 per year.

What does it cost on average per month for home insurance in 93558?

  • • Homeowners in 93558 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 93558?

  • • Autoowners in 93558 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 Red Mountain area, check out other zip codes nearby 93558.
Review average rates in another zip code:
93558 homeowners insurance rates

Home Replacement Cost Coverage in 93558

Average Building Cost Per Square Foot in 93558: $324

Location: Red Mountain, California (Kern County)

Average Square Footage in 93558: 509 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 93558 before you start any project. Red Mountain 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 93558 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 93558 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 Red Mountain 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$324509$165,000
Additional Upgrades & Added Features$405509$206,250
Major Home Updates or Advancements$486509$247,500

It's important to understand that when you estimate your replacement cost of your home in the 93558 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 93558

Best Home & Auto Insurance Agencies in 93558

Housing Demographics for 93558

Population Review for 93558 Zip Code

For the city of Red Mountain, the population within 93558 has increased to over 0 residents in population size. The current population total is 51. We have broken down the population based on race below. In 93558, there are over 33 in male population and 18 females.

PopulationValues
Total Population51
White Population36
Black Population0
Hispanic Population7
Asian Population1
Hawaiian Population1
Indian Population2
Other Population1
Male Population33
Female Population18
Population Estimate0

Household Data for 93558

The average number of homes in 93558 is around 34, there are an average of 1.50 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 DataValues
Households Per Zipcode34
Persons Per Household1.50
Average House Value$165,000
Income Per Household$0
Median Age55.3
Median Age Male55.8
Median Age Female51.5
93558 DetailsValues
StateCA
State Full NameCalifornia
City TypeZ
City Alias Abbreviation
Area Code760/442
CityRed Mountain
City Alias NameRED MOUNTAIN
CountyKern
County FIPS029
State FIPS06
Time Zone8
Day Light SavingY
MSA0680
PMSA
CSA
CBSA12540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBakersfield-Delano, CA
MSA_NameBakersfield, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population839631
CBSA Division Population0
Congressional District23
Congressional LandArea9898
Delivery Residential0
Delivery Business0
Delivery Total46
Preferred Last Line KeyZ22629
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22629
Land Area40.425000
Water Area0.000000
City Alias Code
City Mixed CaseRed Mountain
City Alias Mixed CaseRed Mountain
Box Count46
SFDU0
MFDU0
State ANSI06
County ANSI029
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number053816
Unique ZIP Name
SSA State County Code05140
Medicare CBSA Code12540
Medicare CBSA NameBakersfield, CA
Medicare CBSA TypeMetro
Market Rating Area ID15
County Mixed CaseKern

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, […]