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Home Insurance Rates in 94534

For homeowners shopping online in 94534, our insurance rates are very competitive for homeowners living in Fairfield, CA. Many homeowners based out of the great city of Fairfield have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 94534, simply click the "Get Multiple Quotes Now" button. Your 94534 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Fairfield, CA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

94534 Home Insurance Rating is: High!

If you live in 94534, you can easily save up to 40% off the average home insurance premium of $954 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Fairfield can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 94534 today!

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94534 Home Insurance Average Premiums

Local 94534 homeowners insurance quotes comparison

$704 /yr.

Shows Zip Code: 94534 lowest rates with discounts applied on average.

For the 94534, 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)
$704 /yr.
Average Coverage:$954 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1254 /yr.

What is the average home insurance cost for a home in 94534?

  • • The average homeowners insurance premium paid annually for a home in 94534 is around $954 per year.

What does it cost on average per month for home insurance in 94534?

  • • Homeowners in 94534 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 94534?

  • • Autoowners in 94534 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 Fairfield area, check out other zip codes nearby 94534.
Review average rates in another zip code:
94533 homeowners insurance rates
94534 homeowners insurance rates

Home Replacement Cost Coverage in 94534

Average Building Cost Per Square Foot in 94534: $324

Location: Fairfield, California (Solano County)

Average Square Footage in 94534: 1,818 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94534 before you start any project. Fairfield 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 94534 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 94534 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,818 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 Fairfield 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$3241,818$589,000
Additional Upgrades & Added Features$4051,818$736,250
Major Home Updates or Advancements$4861,818$883,500

It's important to understand that when you estimate your replacement cost of your home in the 94534 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 94534

Best Home & Auto Insurance Agencies in 94534

Housing Demographics for 94534

Population Review for 94534 Zip Code

For the city of Fairfield, the population within 94534 has increased to over 42,943 residents in population size. The current population total is 42,296. We have broken down the population based on race below. In 94534, there are over 20694 in male population and 21602 females.

PopulationValues
Total Population42,296
White Population17717
Black Population4317
Hispanic Population8182
Asian Population10279
Hawaiian Population357
Indian Population325
Other Population3137
Male Population20694
Female Population21602
Population Estimate42943

Household Data for 94534

The average number of homes in 94534 is around 14,543, there are an average of 2.90 per household. The average house value according to local real estate values is around $589,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,543
Persons Per Household2.90
Average House Value$589,000
Income Per Household$121478
Median Age41.3
Median Age Male40.1
Median Age Female42.5
94534 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code707
CityFairfield
City Alias NameFAIRFIELD
CountySolano
County FIPS095
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA8720
CSA488
CBSA46700
CBSA_DIV
CBSA_TypeMetro
CBSA_NameVallejo, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameVallejo-Fairfield-Napa, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses771
Number Of Employees12392
Business First Quarter Payroll184969
Business Annual Payroll790131
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population413344
CBSA Division Population0
Congressional District04|08
Congressional LandArea12836.2|32867.21
Delivery Residential14808
Delivery Business904
Delivery Total19973
Preferred Last Line KeyZ21080
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_Name
City State KeyZ21080
Land Area77.546000
Water Area1.296000
City Alias Code
City Mixed CaseFairfield
City Alias Mixed CaseFairfield
Box Count0
SFDU11543
MFDU1531
State ANSI06
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number052580
Unique ZIP Name
SSA State County Code05580
Medicare CBSA Code46700
Medicare CBSA NameVallejo, CA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseSolano

California Homeowners Insurance News & Information

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    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, […]