Homeowners Insurance in 95358

For homeowners living in 95358, you want more affordable home insurance rates in Modesto, right? Our rates are very competitive for homeowners living in the great city of Modesto, CA. Many homeowners living in the 95358 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 95358 should appear in the zip code field ready to go. Comparing Modesto, CA Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

95358 Home Insurance Costs Are Considered: High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Modesto pay around $963 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing California home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 95358 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Modesto homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your California home insurance premium today!

Get 95358 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 95358: $324

Average Square Footage in 95358: 987 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95358 before you start any project. Modesto 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 95358 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 95358 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 987 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 Modesto 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.

It's important to understand that when you estimate your replacement cost of your home in the 95358 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.

Blue Cross of California State Sponsored Programs Community Cent

Allstate Insurance Companies

Household Data for 95358

The average number of homes in 95358 is around 8,858, there are an average of 3.56 per household. The average house value according to local real estate values is around $319,900. Please review the following demographics below for average income and media age.

• 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, […]