Get multiple home insurance quotes in 93953. Our licensed 93953, CA agents are ready to serve you.

Shop for Home Insurance in 93953 right now!

If you live in the 93953 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Pebble Beach have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our CA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 93953 and then compare quotes from a variety of nationwide insurance companies.

93953 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 93953 the average premium for homeowners coverage is $985 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 93953. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 93953 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Pebble Beach, CA home insurance quotes in your area.

93953 Home Insurance Average Premiums

Local 93953 homeowners insurance quotes comparison

$735 /yr.

Shows Zip Code: 93953 lowest rates with discounts applied on average.

For the 93953, 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)
$735 /yr.
Average Coverage:$985 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1285 /yr.

What is the average home insurance cost for a home in 93953?

  • • The average homeowners insurance premium paid annually for a home in 93953 is around $985 per year.

What does it cost on average per month for home insurance in 93953?

  • • Homeowners in 93953 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 93953?

  • • Autoowners in 93953 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 Pebble Beach area, check out other zip codes nearby 93953.
Review average rates in another zip code:
93953 homeowners insurance rates

Home Replacement Cost Coverage in 93953

Average Building Cost Per Square Foot in 93953: $324

Location: Pebble Beach, California (Monterey County)

Average Square Footage in 93953: 4,378 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 93953 before you start any project. Pebble Beach 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 93953 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 93953 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,378 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 Pebble Beach 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$3244,378$1,418,400
Additional Upgrades & Added Features$4054,378$1,773,000
Major Home Updates or Advancements$4864,378$2,127,600

It's important to understand that when you estimate your replacement cost of your home in the 93953 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 93953

Best Home & Auto Insurance Agencies in 93953

Housing Demographics for 93953

Population Review for 93953 Zip Code

For the city of Pebble Beach, the population within 93953 has increased to over 4,943 residents in population size. The current population total is 4,271. We have broken down the population based on race below. In 93953, there are over 2049 in male population and 2222 females.

PopulationValues
Total Population4,271
White Population3366
Black Population39
Hispanic Population251
Asian Population433
Hawaiian Population10
Indian Population7
Other Population60
Male Population2049
Female Population2222
Population Estimate4943

Household Data for 93953

The average number of homes in 93953 is around 1,790, there are an average of 2.17 per household. The average house value according to local real estate values is around $1,418,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,790
Persons Per Household2.17
Average House Value$1,418,400
Income Per Household$138917
Median Age60.1
Median Age Male59.8
Median Age Female60.5
93953 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code831
CityPebble Beach
City Alias NamePEBBLE BEACH
CountyMonterey
County FIPS053
State FIPS06
Time Zone8
Day Light SavingY
MSA7120
PMSA
CSA
CBSA41500
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSalinas, CA
MSA_NameSalinas, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses78
Number Of Employees1859
Business First Quarter Payroll23096
Business Annual Payroll157139
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population415057
CBSA Division Population0
Congressional District19
Congressional LandArea915.34
Delivery Residential2278
Delivery Business11
Delivery Total4072
Preferred Last Line KeyZ22440
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ22440
Land Area8.099000
Water Area0.057000
City Alias Code
City Mixed CasePebble Beach
City Alias Mixed CasePebble Beach
Box Count725
SFDU2083
MFDU121
State ANSI06
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number055910
Unique ZIP Name
SSA State County Code05370
Medicare CBSA Code41500
Medicare CBSA NameSalinas, CA
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseMonterey

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, […]