Get multiple home insurance quotes in 95412. Our licensed 95412, CA agents are ready to serve you.

95412 Home Insurance Rates

For homeowners living in 95412, the population estimates are increasing to well over 275 with 117 occupied homes within the zip code of 95412. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Annapolis have increased and the average home insurance premium is around $917 per year in 95412. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 95412 zip code today so we can help you find affordable Annapolis, CA home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 95412

Please select one of the three options below based on your 95412 zip code to learn more about California homeowners insurance, plus review average rates and information per state, county or city.

  1. California Homeowners Insurance Quotes
  2. Sonoma County, CA Home Insurance
  3. Annapolis, CA Home Insurance Quotes

95412 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 95412 zip code just got easier with GetHomeInsuranceQuotes.com of Annapolis, CA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 95412 today and let us help you review the best home insurance quotes available for homeowners living in Annapolis.

Get 95412 Homeowners Insurance Rates Now!

95412 Home Insurance Average Premiums

Local 95412 homeowners insurance quotes comparison

$667 /yr.

Shows Zip Code: 95412 lowest rates with discounts applied on average.

For the 95412, 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)
$667 /yr.
Average Coverage:$917 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1217 /yr.

What is the average home insurance cost for a home in 95412?

  • • The average homeowners insurance premium paid annually for a home in 95412 is around $917 per year.

What does it cost on average per month for home insurance in 95412?

  • • Homeowners in 95412 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 95412?

  • • Autoowners in 95412 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 Annapolis area, check out other zip codes nearby 95412.
Review average rates in another zip code:
95412 homeowners insurance rates

Home Replacement Cost Coverage in 95412

Average Building Cost Per Square Foot in 95412: $324

Location: Annapolis, California (Sonoma County)

Average Square Footage in 95412: 509 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95412 before you start any project. Annapolis 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 95412 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 95412 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 509 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 Annapolis 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$324509$165,000
Additional Upgrades & Added Features$405509$206,250
Major Home Updates or Advancements$486509$247,500

It's important to understand that when you estimate your replacement cost of your home in the 95412 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 95412

Best Home & Auto Insurance Agencies in 95412

Housing Demographics for 95412

Population Review for 95412 Zip Code

For the city of Annapolis, the population within 95412 has increased to over 291 residents in population size. The current population total is 275. We have broken down the population based on race below. In 95412, there are over 143 in male population and 132 females.

PopulationValues
Total Population275
White Population175
Black Population0
Hispanic Population78
Asian Population0
Hawaiian Population0
Indian Population9
Other Population27
Male Population143
Female Population132
Population Estimate291

Household Data for 95412

The average number of homes in 95412 is around 117, there are an average of 2.35 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode117
Persons Per Household2.35
Average House Value$165,000
Income Per Household$65817
Median Age48.9
Median Age Male48.8
Median Age Female50.0
95412 DetailsValues
StateCA
State Full NameCalifornia
City TypeN
City Alias Abbreviation
Area Code707
CityAnnapolis
City Alias NameANNAPOLIS
CountySonoma
County FIPS097
State FIPS06
Time Zone8
Day Light SavingY
MSA7362
PMSA7500
CSA
CBSA42220
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSanta Rosa-Petaluma, CA
MSA_NameSan Francisco-Oakland-San Jose, CA CMSA
PMSA_NameSanta Rosa, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees14
Business First Quarter Payroll169
Business Annual Payroll919
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population483878
CBSA Division Population0
Congressional District02
Congressional LandArea12952.23
Delivery Residential124
Delivery Business5
Delivery Total130
Preferred Last Line Key018413
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key018413
Land Area90.321000
Water Area0.017000
City Alias Code
City Mixed CaseAnnapolis
City Alias Mixed CaseAnnapolis
Box Count0
SFDU124
MFDU0
State ANSI06
County ANSI097
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number057506
Unique ZIP Name
SSA State County Code05590
Medicare CBSA Code42220
Medicare CBSA NameSanta Rosa-Petaluma, CA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseSonoma

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, […]