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94555 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 94555 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 Fremont, CA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 94555.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 94555 and start shopping.

Quickly and Easily Compare Average Rates for 94555

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

Average Policy Rates in 94555

Homeowners in Fremont are paying roughly $999 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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94555 Home Insurance Average Premiums

Local 94555 homeowners insurance quotes comparison

$749 /yr.

Shows Zip Code: 94555 lowest rates with discounts applied on average.

For the 94555, 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)
$749 /yr.
Average Coverage:$999 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1299 /yr.

What is the average home insurance cost for a home in 94555?

  • • The average homeowners insurance premium paid annually for a home in 94555 is around $999 per year.

What does it cost on average per month for home insurance in 94555?

  • • Homeowners in 94555 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 94555?

  • • Autoowners in 94555 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 Fremont area, check out other zip codes nearby 94555.
Review average rates in another zip code:
94538 homeowners insurance rates
94536 homeowners insurance rates
94555 homeowners insurance rates
94539 homeowners insurance rates

Home Replacement Cost Coverage in 94555

Average Building Cost Per Square Foot in 94555: $324

Location: Fremont, California (Alameda County)

Average Square Footage in 94555: 3,328 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94555 before you start any project. Fremont 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 94555 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 94555 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,328 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 Fremont 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$3243,328$1,078,400
Additional Upgrades & Added Features$4053,328$1,348,000
Major Home Updates or Advancements$4863,328$1,617,600

It's important to understand that when you estimate your replacement cost of your home in the 94555 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 94555

Best Home & Auto Insurance Agencies in 94555

Allstate Insurance Companies

Address: 3910 Lake Arrowhead Ave Fremont, CA 94555
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 94555

Population Review for 94555 Zip Code

For the city of Fremont, the population within 94555 has increased to over 37,514 residents in population size. The current population total is 36,887. We have broken down the population based on race below. In 94555, there are over 18339 in male population and 18548 females.

PopulationValues
Total Population36,887
White Population4646
Black Population927
Hispanic Population2845
Asian Population27366
Hawaiian Population218
Indian Population121
Other Population1354
Male Population18339
Female Population18548
Population Estimate37514

Household Data for 94555

The average number of homes in 94555 is around 11,562, there are an average of 3.18 per household. The average house value according to local real estate values is around $1,078,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,562
Persons Per Household3.18
Average House Value$1,078,400
Income Per Household$177333
Median Age38.0
Median Age Male37.8
Median Age Female38.3
94555 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code510/341
CityFremont
City Alias NameFREMONT
CountyAlameda
County FIPS001
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 Businesses403
Number Of Employees5707
Business First Quarter Payroll151789
Business Annual Payroll613189
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 District14|17
Congressional LandArea259.5|184.85
Delivery Residential11797
Delivery Business149
Delivery Total14420
Preferred Last Line KeyZ21203
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameOakland-Fremont-Berkeley, CA
City State KeyZ21203
Land Area13.855000
Water Area0.003000
City Alias Code
City Mixed CaseFremont
City Alias Mixed CaseFremont
Box Count0
SFDU6899
MFDU1104
State ANSI06
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number052864
Unique ZIP Name
SSA State County Code05000
Medicare CBSA Code36084
Medicare CBSA NameOakland-Berkeley-Livermore, CA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseAlameda

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, […]