Get multiple home insurance quotes in 95635. Our licensed 95635, CA agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 95635

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 95635, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Greenwood, CA from a list of top tier nationwide insurers.

Our California licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 95635 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 95635

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Greenwood, CA home insurance quotes in your local city and review the most competitive coverages and premiums.

95635 Ratings: high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Greenwood we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 95635, homeowners are seeing rates around 907 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 95635!

95635 Home Insurance Average Premiums

Local 95635 homeowners insurance quotes comparison

$657 /yr.

Shows Zip Code: 95635 lowest rates with discounts applied on average.

For the 95635, 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)
$657 /yr.
Average Coverage:$907 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1207 /yr.

What is the average home insurance cost for a home in 95635?

  • • The average homeowners insurance premium paid annually for a home in 95635 is around $907 per year.

What does it cost on average per month for home insurance in 95635?

  • • Homeowners in 95635 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 95635?

  • • Autoowners in 95635 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 Greenwood area, check out other zip codes nearby 95635.
Review average rates in another zip code:
95635 homeowners insurance rates

Home Replacement Cost Coverage in 95635

Average Building Cost Per Square Foot in 95635: $324

Location: Greenwood, California (El Dorado County)

Average Square Footage in 95635: 1,099 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 95635 before you start any project. Greenwood 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 95635 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 95635 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,099 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 Greenwood 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$3241,099$356,200
Additional Upgrades & Added Features$4051,099$445,250
Major Home Updates or Advancements$4861,099$534,300

It's important to understand that when you estimate your replacement cost of your home in the 95635 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 95635

Best Home & Auto Insurance Agencies in 95635

Housing Demographics for 95635

Population Review for 95635 Zip Code

For the city of Greenwood, the population within 95635 has increased to over 1,031 residents in population size. The current population total is 1,236. We have broken down the population based on race below. In 95635, there are over 666 in male population and 570 females.

PopulationValues
Total Population1,236
White Population1056
Black Population9
Hispanic Population108
Asian Population16
Hawaiian Population0
Indian Population10
Other Population47
Male Population666
Female Population570
Population Estimate1031

Household Data for 95635

The average number of homes in 95635 is around 487, there are an average of 2.41 per household. The average house value according to local real estate values is around $356,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode487
Persons Per Household2.41
Average House Value$356,200
Income Per Household$64455
Median Age50.1
Median Age Male45.0
Median Age Female51.7
95635 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code530
CityGreenwood
City Alias NameGREENWOOD
CountyEl Dorado
County FIPS017
State FIPS06
Time Zone8
Day Light SavingY
MSA6922
PMSA6920
CSA472
CBSA40900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSacramento-Roseville-Folsom, CA
MSA_NameSacramento-Yolo, CA CMSA
PMSA_NameSacramento, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees64
Business First Quarter Payroll523
Business Annual Payroll2382
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2149127
CBSA Division Population0
Congressional District03
Congressional LandArea6183.59
Delivery Residential428
Delivery Business5
Delivery Total1131
Preferred Last Line KeyZ21333
Classification Code
Multi-County
CSA NameSacramento-Roseville, CA
CBSA_DIV_Name
City State KeyZ21333
Land Area29.548000
Water Area0.042000
City Alias Code
City Mixed CaseGreenwood
City Alias Mixed CaseGreenwood
Box Count128
SFDU68
MFDU0
State ANSI06
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number053156
Unique ZIP Name
SSA State County Code05080
Medicare CBSA Code40900
Medicare CBSA NameSacramento-Roseville-Folsom, CA
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseEl Dorado

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, […]