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Home Insurance Rates in 95977
For homeowners shopping online in 95977, our insurance rates are very competitive for homeowners living in Smartsville, CA. Many homeowners based out of the great city of Smartsville have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home 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 rates and coverage options are best suited for you and your family. To get free home insurance quotes in 95977, simply click the "Get Multiple Quotes Now" button. Your 95977 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Smartsville, CA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
95977 Home Insurance Rating is: High!
If you live in 95977, you can easily save up to 40% off the average home insurance premium of $960 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Smartsville can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 95977 today!
95977 Home Insurance Average Premiums
$710 /yr.
Shows Zip Code: 95977 lowest rates with discounts applied on average.
For the 95977, 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) | $710 /yr. |
| Average Coverage: | $960 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1260 /yr. |
What is the average home insurance cost for a home in 95977?
- • The average homeowners insurance premium paid annually for a home in 95977 is around $960 per year.
What does it cost on average per month for home insurance in 95977?
- • Homeowners in 95977 pay a monthly average cost per month around $80.00.
What kind of discount could I get if I combine my home and auto insurance together in 95977?
- • Autoowners in 95977 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 Smartsville area, check out other zip codes nearby 95977.
Review average rates in another zip code:
95977 homeowners insurance rates
Home Replacement Cost Coverage in 95977
Average Building Cost Per Square Foot in 95977: $324
Location: Smartsville, California (Nevada County)Average Square Footage in 95977: 1,164 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 95977 before you start any project. Smartsville 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 95977 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 95977 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,164 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 Smartsville 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 | 1,164 | $377,100 |
| Additional Upgrades & Added Features | $405 | 1,164 | $471,375 |
| Major Home Updates or Advancements | $486 | 1,164 | $565,650 |
It's important to understand that when you estimate your replacement cost of your home in the 95977 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 95977
Best Home & Auto Insurance Agencies in 95977
Housing Demographics for 95977
Population Review for 95977 Zip Code
For the city of Smartsville, the population within 95977 has increased to over 1,699 residents in population size. The current population total is 1,797. We have broken down the population based on race below. In 95977, there are over 948 in male population and 849 females.
| Population | Values |
|---|---|
| Total Population | 1,797 |
| White Population | 1492 |
| Black Population | 13 |
| Hispanic Population | 176 |
| Asian Population | 20 |
| Hawaiian Population | 2 |
| Indian Population | 29 |
| Other Population | 39 |
| Male Population | 948 |
| Female Population | 849 |
| Population Estimate | 1699 |
Household Data for 95977
The average number of homes in 95977 is around 700, there are an average of 2.56 per household. The average house value according to local real estate values is around $377,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 700 |
| Persons Per Household | 2.56 |
| Average House Value | $377,100 |
| Income Per Household | $68103 |
| Median Age | 43.3 |
| Median Age Male | 42.9 |
| Median Age Female | 43.8 |
| 95977 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 530 |
| City | Smartsville |
| City Alias Name | SMARTSVILLE |
| County | Nevada |
| County FIPS | 057 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 472 |
| CBSA | 46020 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Truckee-Grass Valley, CA |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 13 |
| Number Of Employees | 89 |
| Business First Quarter Payroll | 1583 |
| Business Annual Payroll | 10330 |
| 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 | 98764 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 6183.59 |
| Delivery Residential | 664 |
| Delivery Business | 2 |
| Delivery Total | 817 |
| Preferred Last Line Key | Z22984 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Sacramento-Roseville, CA |
| CBSA_DIV_Name | |
| City State Key | Z22984 |
| Land Area | 37.661000 |
| Water Area | 0.378000 |
| City Alias Code | |
| City Mixed Case | Smartsville |
| City Alias Mixed Case | Smartsville |
| Box Count | 138 |
| SFDU | 187 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 057 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 057284 |
| Unique ZIP Name | |
| SSA State County Code | 05390 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Nevada |
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, […]