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Find the Best Home Insurance Rates in 96091
Shopping for homeowners insurance in 96091 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Trinity Center, CA and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our California licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 96091 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 96091
Find Trinity Center, CA Homeowners Insurance Quotes to review the best coverage options in your area.
96091 Home Insurance Rating is: high!
In 96091 the average premium is $967. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 96091, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 96091!
96091 Home Insurance Average Premiums
$717 /yr.
Shows Zip Code: 96091 lowest rates with discounts applied on average.
For the 96091, 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) | $717 /yr. |
| Average Coverage: | $967 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1267 /yr. |
What is the average home insurance cost for a home in 96091?
- • The average homeowners insurance premium paid annually for a home in 96091 is around $967 per year.
What does it cost on average per month for home insurance in 96091?
- • Homeowners in 96091 pay a monthly average cost per month around $81.00.
What kind of discount could I get if I combine my home and auto insurance together in 96091?
- • Autoowners in 96091 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 Trinity Center area, check out other zip codes nearby 96091.
Review average rates in another zip code:
96091 homeowners insurance rates
Home Replacement Cost Coverage in 96091
Average Building Cost Per Square Foot in 96091: $324
Location: Trinity Center, California (Trinity County)Average Square Footage in 96091: 992 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 96091 before you start any project. Trinity Center 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 96091 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 96091 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 992 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 Trinity Center 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 | 992 | $321,300 |
| Additional Upgrades & Added Features | $405 | 992 | $401,625 |
| Major Home Updates or Advancements | $486 | 992 | $481,950 |
It's important to understand that when you estimate your replacement cost of your home in the 96091 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 96091
Best Home & Auto Insurance Agencies in 96091
Housing Demographics for 96091
Population Review for 96091 Zip Code
For the city of Trinity Center, the population within 96091 has increased to over 462 residents in population size. The current population total is 574. We have broken down the population based on race below. In 96091, there are over 302 in male population and 272 females.
| Population | Values |
|---|---|
| Total Population | 574 |
| White Population | 503 |
| Black Population | 3 |
| Hispanic Population | 26 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 7 |
| Other Population | 6 |
| Male Population | 302 |
| Female Population | 272 |
| Population Estimate | 462 |
Household Data for 96091
The average number of homes in 96091 is around 314, there are an average of 1.82 per household. The average house value according to local real estate values is around $321,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 314 |
| Persons Per Household | 1.82 |
| Average House Value | $321,300 |
| Income Per Household | $43611 |
| Median Age | 60.5 |
| Median Age Male | 60.8 |
| Median Age Female | 60.3 |
| 96091 Details | Values |
|---|---|
| State | CA |
| State Full Name | California |
| City Type | P |
| City Alias Abbreviation | TRINITY CTR |
| Area Code | 530 |
| City | Trinity Center |
| City Alias Name | TRINITY CENTER |
| County | Trinity |
| County FIPS | 105 |
| State FIPS | 06 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 20 |
| Number Of Employees | 66 |
| Business First Quarter Payroll | 369 |
| Business Annual Payroll | 1948 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 12952.23 |
| Delivery Residential | 254 |
| Delivery Business | 12 |
| Delivery Total | 541 |
| Preferred Last Line Key | Z23617 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z23617 |
| Land Area | 425.455000 |
| Water Area | 1.059000 |
| City Alias Code | |
| City Mixed Case | Trinity Center |
| City Alias Mixed Case | Trinity Center |
| Box Count | 255 |
| SFDU | 166 |
| MFDU | 0 |
| State ANSI | 06 |
| County ANSI | 105 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 057920 |
| Unique ZIP Name | |
| SSA State County Code | 05630 |
| Medicare CBSA Code | 99905 |
| Medicare CBSA Name | Rural Areas in CA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Trinity |
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, […]