Get multiple home insurance quotes in 95017. Our licensed 95017, CA agents are ready to serve you.

95017 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 95017 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Davenport, CA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 95017 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in California, like average Davenport homeowners insurance rates, coverage options or home insurance types, please select Davenport, CA Home Insurance Rates Online!

95017 Home Insurance Average Premiums

Local 95017 homeowners insurance quotes comparison

$591 /yr.

Shows Zip Code: 95017 lowest rates with discounts applied on average.

For the 95017, 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)
$591 /yr.
Average Coverage:$841 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1141 /yr.

What is the average home insurance cost for a home in 95017?

  • • The average homeowners insurance premium paid annually for a home in 95017 is around $841 per year.

What does it cost on average per month for home insurance in 95017?

  • • Homeowners in 95017 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 95017?

  • • Autoowners in 95017 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 Davenport area, check out other zip codes nearby 95017.
Review average rates in another zip code:
95017 homeowners insurance rates

Home Replacement Cost Coverage in 95017

Average Building Cost Per Square Foot in 95017: $324

Location: Davenport, California (Santa Cruz County)

Average Square Footage in 95017: 2,803 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95017 before you start any project. Davenport 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 95017 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 95017 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,803 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 Davenport 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$3242,803$908,100
Additional Upgrades & Added Features$4052,803$1,135,125
Major Home Updates or Advancements$4862,803$1,362,150

It's important to understand that when you estimate your replacement cost of your home in the 95017 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 95017

Best Home & Auto Insurance Agencies in 95017

Housing Demographics for 95017

Population Review for 95017 Zip Code

For the city of Davenport, the population within 95017 has increased to over 244 residents in population size. The current population total is 969. We have broken down the population based on race below. In 95017, there are over 506 in male population and 463 females.

PopulationValues
Total Population969
White Population691
Black Population5
Hispanic Population252
Asian Population17
Hawaiian Population0
Indian Population16
Other Population97
Male Population506
Female Population463
Population Estimate244

Household Data for 95017

The average number of homes in 95017 is around 342, there are an average of 2.60 per household. The average house value according to local real estate values is around $908,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode342
Persons Per Household2.60
Average House Value$908,100
Income Per Household$76667
Median Age42.9
Median Age Male42.4
Median Age Female43.8
95017 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code831
CityDavenport
City Alias NameDAVENPORT
CountySanta Cruz
County FIPS087
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA7485
CSA488
CBSA42100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSanta Cruz-Watsonville, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameSanta Cruz-Watsonville, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses12
Number Of Employees186
Business First Quarter Payroll2903
Business Annual Payroll10538
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population262382
CBSA Division Population0
Congressional District19
Congressional LandArea915.34
Delivery Residential94
Delivery Business5
Delivery Total413
Preferred Last Line KeyZ20836
Classification Code
Multi-County
CSA NameSan Jose-San Francisco-Oakland, CA
CBSA_DIV_Name
City State KeyZ20836
Land Area62.443000
Water Area0.019000
City Alias Code
City Mixed CaseDavenport
City Alias Mixed CaseDavenport
Box Count285
SFDU44
MFDU0
State ANSI06
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number052022
Unique ZIP Name
SSA State County Code05540
Medicare CBSA Code42100
Medicare CBSA NameSanta Cruz-Watsonville, CA
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseSanta Cruz

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, […]