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Are you paying too much for homeowners insurance in 95439? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Fulton, CA that provides all of the protection you need at a price that is affordable.
Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our California licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.
Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 95439?
- Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
- Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
- Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.
Our service is always free so get started today. Free 95439 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 95439 and get ready to save.
3 Easy Ways To Save Money In 95439
These three links will help you explore home insurance quotes in 95439 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.
Get Your 95439 Home Insurance Costs Rated: high!
The average price for a homeowners insurance policy in Fulton is roughly $859. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.
If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.
95439 Home Insurance Average Premiums
$609 /yr.
Shows Zip Code: 95439 lowest rates with discounts applied on average.
For the 95439, 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) | $609 /yr. |
| Average Coverage: | $859 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1159 /yr. |
What is the average home insurance cost for a home in 95439?
- • The average homeowners insurance premium paid annually for a home in 95439 is around $859 per year.
What does it cost on average per month for home insurance in 95439?
- • Homeowners in 95439 pay a monthly average cost per month around $72.00.
What kind of discount could I get if I combine my home and auto insurance together in 95439?
- • Autoowners in 95439 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 Fulton area, check out other zip codes nearby 95439.
Review average rates in another zip code:
95439 homeowners insurance rates
Home Replacement Cost Coverage in 95439
Average Building Cost Per Square Foot in 95439: $324
Location: Fulton, California (Sonoma County)Average Square Footage in 95439: 2,290 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 95439 before you start any project. Fulton 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 95439 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 95439 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,290 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 Fulton 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $324 | 2,290 | $742,100 |
| Additional Upgrades & Added Features | $405 | 2,290 | $927,625 |
| Major Home Updates or Advancements | $486 | 2,290 | $1,113,150 |
It's important to understand that when you estimate your replacement cost of your home in the 95439 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 95439
Best Home & Auto Insurance Agencies in 95439
Housing Demographics for 95439
Population Review for 95439 Zip Code
For the city of Fulton, the population within 95439 has increased to over 517 residents in population size. The current population total is 747. We have broken down the population based on race below. In 95439, there are over 364 in male population and 383 females.
| Population | Values |
|---|---|
| Total Population | 747 |
| White Population | 438 |
| Black Population | 10 |
| Hispanic Population | 280 |
| Asian Population | 25 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 155 |
| Male Population | 364 |
| Female Population | 383 |
| Population Estimate | 517 |
Household Data for 95439
The average number of homes in 95439 is around 279, there are an average of 2.68 per household. The average house value according to local real estate values is around $742,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 279 |
| Persons Per Household | 2.68 |
| Average House Value | $742,100 |
| Income Per Household | $126406 |
| Median Age | 45.1 |
| Median Age Male | 41.8 |
| Median Age Female | 47.1 |
| 95439 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 707 |
| City | Fulton |
| City Alias Name | FULTON |
| County | Sonoma |
| County FIPS | 097 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 7362 |
| PMSA | 7500 |
| CSA | |
| CBSA | 42220 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Santa Rosa-Petaluma, CA |
| MSA_Name | San Francisco-Oakland-San Jose, CA CMSA |
| PMSA_Name | Santa Rosa, CA PMSA |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 27 |
| Number Of Employees | 147 |
| Business First Quarter Payroll | 1760 |
| Business Annual Payroll | 7429 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 483878 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 12952.23 |
| Delivery Residential | 193 |
| Delivery Business | 6 |
| Delivery Total | 1158 |
| Preferred Last Line Key | Z21236 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z21236 |
| Land Area | 2.667000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Fulton |
| City Alias Mixed Case | Fulton |
| Box Count | 187 |
| SFDU | 170 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 097 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 052910 |
| Unique ZIP Name | |
| SSA State County Code | 05590 |
| Medicare CBSA Code | 42220 |
| Medicare CBSA Name | Santa Rosa-Petaluma, CA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Sonoma |
California Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]
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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. […]
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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, […]