Get multiple home insurance quotes in 94608. Our licensed 94608, CA agents are ready to serve you.

Homeowners Insurance in 94608

In Emeryville, CA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 94608 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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 the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 94608 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 94608 should appear in the zip code field ready to go.

94608 Homeowners Insurance Rates Are Considered: High!

If your looking for a standard homeowners policy in California, you are going to see rates around the average home insurance premium per year of $960. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Emeryville home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 94608 Home Insurance Rates Now!

Best 3 Options to Compare in 94608

If you want homeowners insurance quotes within the city of Emeryville or in the 94608 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Emeryville, CA.

94608 Home Insurance Average Premiums

Local 94608 homeowners insurance quotes comparison

$710 /yr.

Shows Zip Code: 94608 lowest rates with discounts applied on average.

For the 94608, 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)
$710 /yr.
Average Coverage:$960 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1260 /yr.

What is the average home insurance cost for a home in 94608?

  • • The average homeowners insurance premium paid annually for a home in 94608 is around $960 per year.

What does it cost on average per month for home insurance in 94608?

  • • Homeowners in 94608 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 94608?

  • • Autoowners in 94608 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 Emeryville area, check out other zip codes nearby 94608.
Review average rates in another zip code:
94608 homeowners insurance rates

Home Replacement Cost Coverage in 94608

Average Building Cost Per Square Foot in 94608: $324

Location: Emeryville, California (Alameda County)

Average Square Footage in 94608: 2,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 94608 before you start any project. Emeryville 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 94608 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 94608 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,134 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 Emeryville 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$3242,134$691,300
Additional Upgrades & Added Features$4052,134$864,125
Major Home Updates or Advancements$4862,134$1,036,950

It's important to understand that when you estimate your replacement cost of your home in the 94608 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 94608

Best Home & Auto Insurance Agencies in 94608

Housing Demographics for 94608

Population Review for 94608 Zip Code

For the city of Emeryville, the population within 94608 has increased to over 33,742 residents in population size. The current population total is 33,073. We have broken down the population based on race below. In 94608, there are over 16175 in male population and 16898 females.

PopulationValues
Total Population33,073
White Population12493
Black Population7714
Hispanic Population4695
Asian Population6253
Hawaiian Population129
Indian Population218
Other Population2298
Male Population16175
Female Population16898
Population Estimate33742

Household Data for 94608

The average number of homes in 94608 is around 15,315, there are an average of 2.10 per household. The average house value according to local real estate values is around $691,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,315
Persons Per Household2.10
Average House Value$691,300
Income Per Household$106037
Median Age35.3
Median Age Male35.2
Median Age Female35.4
94608 DetailsValues
StateCA
State Full NameCalifornia
City TypeB
City Alias Abbreviation
Area Code341/510
CityEmeryville
City Alias NameEMERYVILLE
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 Businesses1229
Number Of Employees27391
Business First Quarter Payroll835903
Business Annual Payroll3186010
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
Congressional LandArea38.97
Delivery Residential16068
Delivery Business1823
Delivery Total19497
Preferred Last Line KeyZ21052
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_NameOakland-Fremont-Berkeley, CA
City State KeyZ21052
Land Area2.752000
Water Area0.806000
City Alias Code
City Mixed CaseEmeryville
City Alias Mixed CaseEmeryville
Box Count0
SFDU6817
MFDU8589
State ANSI06
County ANSI001
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number055508
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, […]