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94577 Home Insurance Quotes & Rates

Currently, the 17,315 homes within the 94577 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for California is around $927 per year for a standard HO-3 homeowners policy. A standard homeowners policy in San Leandro, CA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 94577.

California is now ranking #24 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 San Leandro home insurance quotes all in one place then GetHomeInsuranceQuotes.com of California has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 94577 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your San Leandro, California home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For San Leandro, CA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

94577 Home Insurance Average Premiums

Local 94577 homeowners insurance quotes comparison

$677 /yr.

Shows Zip Code: 94577 lowest rates with discounts applied on average.

For the 94577, 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)
$677 /yr.
Average Coverage:$927 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1227 /yr.

What is the average home insurance cost for a home in 94577?

  • • The average homeowners insurance premium paid annually for a home in 94577 is around $927 per year.

What does it cost on average per month for home insurance in 94577?

  • • Homeowners in 94577 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 94577?

  • • Autoowners in 94577 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 San Leandro area, check out other zip codes nearby 94577.
Review average rates in another zip code:
94578 homeowners insurance rates
94579 homeowners insurance rates
94577 homeowners insurance rates

Home Replacement Cost Coverage in 94577

Average Building Cost Per Square Foot in 94577: $324

Location: San Leandro, California (Alameda County)

Average Square Footage in 94577: 2,060 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94577 before you start any project. San Leandro 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 94577 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 94577 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,060 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 San Leandro 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$3242,060$667,600
Additional Upgrades & Added Features$4052,060$834,500
Major Home Updates or Advancements$4862,060$1,001,400

It's important to understand that when you estimate your replacement cost of your home in the 94577 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 94577

Best Home & Auto Insurance Agencies in 94577

Angelica Virola Insurance

Address: 600 E 14th St San Leandro, CA 94577
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 2950 Merced St San Leandro, CA 94577
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 94577

Population Review for 94577 Zip Code

For the city of San Leandro, the population within 94577 has increased to over 49,142 residents in population size. The current population total is 48,868. We have broken down the population based on race below. In 94577, there are over 23582 in male population and 25286 females.

PopulationValues
Total Population48,868
White Population12869
Black Population5860
Hispanic Population14973
Asian Population14472
Hawaiian Population353
Indian Population706
Other Population8586
Male Population23582
Female Population25286
Population Estimate49142

Household Data for 94577

The average number of homes in 94577 is around 17,315, there are an average of 2.78 per household. The average house value according to local real estate values is around $667,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,315
Persons Per Household2.78
Average House Value$667,600
Income Per Household$97476
Median Age40.7
Median Age Male39.2
Median Age Female42.3
94577 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code341/510
CitySan Leandro
City Alias NameSAN LEANDRO
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 Businesses1779
Number Of Employees35329
Business First Quarter Payroll649741
Business Annual Payroll2687468
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 District12|14
Congressional LandArea38.97|259.5
Delivery Residential17677
Delivery Business2613
Delivery Total21020
Preferred Last Line KeyZ22824
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameOakland-Fremont-Berkeley, CA
City State KeyZ22824
Land Area8.115000
Water Area0.712000
City Alias Code
City Mixed CaseSan Leandro
City Alias Mixed CaseSan Leandro
Box Count565
SFDU11747
MFDU5257
State ANSI06
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number056852
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, […]