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94586, CA Home Insurance

In the zip code of 94586, the population size is around 943, which consists of 366 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Sunol, CA. A few years ago, a study was done and found that the average home insurance rates for California are around $810 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 94586 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Sunol. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Sunol, CA Homeowners Insurance Online Rates Today!

94586 Home Insurance Average Premiums

Local 94586 homeowners insurance quotes comparison

$560 /yr.

Shows Zip Code: 94586 lowest rates with discounts applied on average.

For the 94586, 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)
$560 /yr.
Average Coverage:$810 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1110 /yr.

What is the average home insurance cost for a home in 94586?

  • • The average homeowners insurance premium paid annually for a home in 94586 is around $810 per year.

What does it cost on average per month for home insurance in 94586?

  • • Homeowners in 94586 pay a monthly average cost per month around $68.00.

What kind of discount could I get if I combine my home and auto insurance together in 94586?

  • • Autoowners in 94586 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 Sunol area, check out other zip codes nearby 94586.
Review average rates in another zip code:
94586 homeowners insurance rates

Home Replacement Cost Coverage in 94586

Average Building Cost Per Square Foot in 94586: $324

Location: Sunol, California (Alameda County)

Average Square Footage in 94586: 3,601 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94586 before you start any project. Sunol 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 94586 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 94586 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,601 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 Sunol 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$3243,601$1,166,700
Additional Upgrades & Added Features$4053,601$1,458,375
Major Home Updates or Advancements$4863,601$1,750,050

It's important to understand that when you estimate your replacement cost of your home in the 94586 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 94586

Best Home & Auto Insurance Agencies in 94586

Housing Demographics for 94586

Population Review for 94586 Zip Code

For the city of Sunol, the population within 94586 has increased to over 678 residents in population size. The current population total is 943. We have broken down the population based on race below. In 94586, there are over 479 in male population and 464 females.

PopulationValues
Total Population943
White Population670
Black Population4
Hispanic Population147
Asian Population107
Hawaiian Population6
Indian Population1
Other Population38
Male Population479
Female Population464
Population Estimate678

Household Data for 94586

The average number of homes in 94586 is around 366, there are an average of 2.56 per household. The average house value according to local real estate values is around $1,166,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode366
Persons Per Household2.56
Average House Value$1,166,700
Income Per Household$174792
Median Age51.6
Median Age Male51.6
Median Age Female51.5
94586 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code925
CitySunol
City Alias NameSUNOL
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 Businesses33
Number Of Employees550
Business First Quarter Payroll10817
Business Annual Payroll55096
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
Congressional LandArea259.5
Delivery Residential265
Delivery Business24
Delivery Total3447
Preferred Last Line KeyZ23493
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameOakland-Fremont-Berkeley, CA
City State KeyZ23493
Land Area55.726000
Water Area1.091000
City Alias Code
City Mixed CaseSunol
City Alias Mixed CaseSunol
Box Count227
SFDU265
MFDU0
State ANSI06
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number057626
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, […]