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94020 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 94020? Our rates are very competitive for homeowners living in La Honda, CA. Many homeowners based out of your 94020 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 94020 should appear in the zip code field ready to go. For La Honda, CA Home Insurance Rate Quotes click to review the best rates and service online!

94020 Average Premium is Rated: High!

Homeowners living in 94020 can easily save up to 40% off the average home insurance premium of $970 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in La Honda that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 94020 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 94020!

94020 Home Insurance Average Premiums

Local 94020 homeowners insurance quotes comparison

$720 /yr.

Shows Zip Code: 94020 lowest rates with discounts applied on average.

For the 94020, 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)
$720 /yr.
Average Coverage:$970 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1270 /yr.

What is the average home insurance cost for a home in 94020?

  • • The average homeowners insurance premium paid annually for a home in 94020 is around $970 per year.

What does it cost on average per month for home insurance in 94020?

  • • Homeowners in 94020 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 94020?

  • • Autoowners in 94020 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 La Honda area, check out other zip codes nearby 94020.
Review average rates in another zip code:
94020 homeowners insurance rates

Home Replacement Cost Coverage in 94020

Average Building Cost Per Square Foot in 94020: $324

Location: La Honda, California (San Mateo County)

Average Square Footage in 94020: 2,587 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94020 before you start any project. La Honda 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 94020 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 94020 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,587 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 La Honda 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$3242,587$838,200
Additional Upgrades & Added Features$4052,587$1,047,750
Major Home Updates or Advancements$4862,587$1,257,300

It's important to understand that when you estimate your replacement cost of your home in the 94020 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 94020

Best Home & Auto Insurance Agencies in 94020

Housing Demographics for 94020

Population Review for 94020 Zip Code

For the city of La Honda, the population within 94020 has increased to over 454 residents in population size. The current population total is 1,732. We have broken down the population based on race below. In 94020, there are over 893 in male population and 839 females.

PopulationValues
Total Population1,732
White Population1360
Black Population8
Hispanic Population280
Asian Population60
Hawaiian Population8
Indian Population7
Other Population96
Male Population893
Female Population839
Population Estimate454

Household Data for 94020

The average number of homes in 94020 is around 762, there are an average of 2.24 per household. The average house value according to local real estate values is around $838,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode762
Persons Per Household2.24
Average House Value$838,200
Income Per Household$191915
Median Age51.2
Median Age Male51.4
Median Age Female50.8
94020 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code650
CityLa Honda
City Alias NameLA HONDA
CountySan Mateo
County FIPS081
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA7360
CSA488
CBSA41860
CBSA_DIV41884
CBSA_TypeMetro
CBSA_NameSan Francisco-Oakland-Fremont, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameSan Francisco, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses30
Number Of Employees125
Business First Quarter Payroll1109
Business Annual Payroll6045
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4335391
CBSA Division Population1523686
Congressional District16
Congressional LandArea2839.51
Delivery Residential203
Delivery Business2
Delivery Total1597
Preferred Last Line KeyZ21621
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameSan Francisco-San Mateo-Redwood City, CA
City State KeyZ21621
Land Area41.982000
Water Area0.022000
City Alias Code
City Mixed CaseLa Honda
City Alias Mixed CaseLa Honda
Box Count524
SFDU179
MFDU0
State ANSI06
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number054068
Unique ZIP Name
SSA State County Code05510
Medicare CBSA Code41884
Medicare CBSA NameSan Francisco-San Mateo-Redwood City, CA
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseSan Mateo

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, […]