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94065 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 94065 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Redwood City, CA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 94065.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 94065 and start shopping.

Quickly and Easily Compare Average Rates for 94065

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Redwood City, CA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 94065

Homeowners in Redwood City are paying roughly $1073 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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94065 Home Insurance Average Premiums

Local 94065 homeowners insurance quotes comparison

$823 /yr.

Shows Zip Code: 94065 lowest rates with discounts applied on average.

For the 94065, 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)
$823 /yr.
Average Coverage:$1073 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1373 /yr.

What is the average home insurance cost for a home in 94065?

  • • The average homeowners insurance premium paid annually for a home in 94065 is around $1073 per year.

What does it cost on average per month for home insurance in 94065?

  • • Homeowners in 94065 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 94065?

  • • Autoowners in 94065 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 Redwood City area, check out other zip codes nearby 94065.
Review average rates in another zip code:
94063 homeowners insurance rates
94061 homeowners insurance rates
94062 homeowners insurance rates
94065 homeowners insurance rates

Home Replacement Cost Coverage in 94065

Average Building Cost Per Square Foot in 94065: $324

Location: Redwood City, California (San Mateo County)

Average Square Footage in 94065: 4,771 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94065 before you start any project. Redwood City 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 94065 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 94065 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,771 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 Redwood City 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$3244,771$1,545,800
Additional Upgrades & Added Features$4054,771$1,932,250
Major Home Updates or Advancements$4864,771$2,318,700

It's important to understand that when you estimate your replacement cost of your home in the 94065 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 94065

Best Home & Auto Insurance Agencies in 94065

Housing Demographics for 94065

Population Review for 94065 Zip Code

For the city of Redwood City, the population within 94065 has increased to over 13,286 residents in population size. The current population total is 12,781. We have broken down the population based on race below. In 94065, there are over 6154 in male population and 6627 females.

PopulationValues
Total Population12,781
White Population5372
Black Population191
Hispanic Population986
Asian Population5571
Hawaiian Population39
Indian Population26
Other Population340
Male Population6154
Female Population6627
Population Estimate13286

Household Data for 94065

The average number of homes in 94065 is around 5,023, there are an average of 2.54 per household. The average house value according to local real estate values is around $1,545,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,023
Persons Per Household2.54
Average House Value$1,545,800
Income Per Household$181975
Median Age40.7
Median Age Male39.6
Median Age Female41.6
94065 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code650
CityRedwood City
City Alias NameREDWOOD CITY
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 Businesses410
Number Of Employees18937
Business First Quarter Payroll972163
Business Annual Payroll4279497
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 District15
Congressional LandArea599.45
Delivery Residential5231
Delivery Business282
Delivery Total5488
Preferred Last Line KeyZ22638
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameSan Francisco-San Mateo-Redwood City, CA
City State KeyZ22638
Land Area2.294000
Water Area0.794000
City Alias Code
City Mixed CaseRedwood City
City Alias Mixed CaseRedwood City
Box Count0
SFDU1814
MFDU1843
State ANSI06
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number056378
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, […]