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94509 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 94509? There are over 22,510 occupied homes in the 94509 area. With a population size of 69,931, it's not uncommon for residence of Antioch, CA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in California is around $907 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 94509 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Antioch, CA Home Insurance Rate Quotes

94509 Home Insurance Average Premiums

Local 94509 homeowners insurance quotes comparison

$657 /yr.

Shows Zip Code: 94509 lowest rates with discounts applied on average.

For the 94509, 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)
$657 /yr.
Average Coverage:$907 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1207 /yr.

What is the average home insurance cost for a home in 94509?

  • • The average homeowners insurance premium paid annually for a home in 94509 is around $907 per year.

What does it cost on average per month for home insurance in 94509?

  • • Homeowners in 94509 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 94509?

  • • Autoowners in 94509 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 Antioch area, check out other zip codes nearby 94509.
Review average rates in another zip code:
94531 homeowners insurance rates
94509 homeowners insurance rates

Home Replacement Cost Coverage in 94509

Average Building Cost Per Square Foot in 94509: $324

Location: Antioch, California (Contra Costa County)

Average Square Footage in 94509: 1,344 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94509 before you start any project. Antioch 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 94509 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 94509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,344 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 Antioch 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$3241,344$435,600
Additional Upgrades & Added Features$4051,344$544,500
Major Home Updates or Advancements$4861,344$653,400

It's important to understand that when you estimate your replacement cost of your home in the 94509 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 94509

Best Home & Auto Insurance Agencies in 94509

Curtis Holzer- Farmers Insurance

Address: 600 W 2nd St Antioch, CA 94509
Phone:
Website: http://www.farmersagent.com/cholzer
Info:

Boring- George T - State Farm Insurance Agent

Address: 1104 Buchanan Rd Antioch, CA 94509
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 94509

Population Review for 94509 Zip Code

For the city of Antioch, the population within 94509 has increased to over 72,052 residents in population size. The current population total is 69,931. We have broken down the population based on race below. In 94509, there are over 34089 in male population and 35842 females.

PopulationValues
Total Population69,931
White Population22079
Black Population12970
Hispanic Population28840
Asian Population5961
Hawaiian Population958
Indian Population1224
Other Population16912
Male Population34089
Female Population35842
Population Estimate72052

Household Data for 94509

The average number of homes in 94509 is around 22,510, there are an average of 3.09 per household. The average house value according to local real estate values is around $435,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode22,510
Persons Per Household3.09
Average House Value$435,600
Income Per Household$71905
Median Age35.7
Median Age Male34.8
Median Age Female36.7
94509 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code925
CityAntioch
City Alias NameANTIOCH
CountyContra Costa
County FIPS013
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA5775
CSA488
CBSA41860
CBSA_DIV36084
CBSA_TypeMetro
CBSA_NameSan Francisco-Oakland-Fremont, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameOakland, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses950
Number Of Employees11764
Business First Quarter Payroll149821
Business Annual Payroll666500
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 Population2559296
Congressional District08|10
Congressional LandArea32867.21|1818.79
Delivery Residential23318
Delivery Business1374
Delivery Total24984
Preferred Last Line KeyZ20110
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameOakland-Fremont-Berkeley, CA
City State KeyZ20110
Land Area17.444000
Water Area0.226000
City Alias Code
City Mixed CaseAntioch
City Alias Mixed CaseAntioch
Box Count318
SFDU17061
MFDU5030
State ANSI06
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number050258
Unique ZIP Name
SSA State County Code05060
Medicare CBSA Code36084
Medicare CBSA NameOakland-Berkeley-Livermore, CA
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseContra Costa

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, […]