Pilot Hill, CA Homeowners Insurance Rate Quotes!

Are you shopping online because your homeowners insurance rates have increased in Pilot Hill, CA? Getting mulitiple home insurance quotes from GetHomeInsuranceQuotes.com of California couldn't be easier. Within minutes you can compare the most competitive prices and use our free consultation process to help you decide which coverage and rate is best for you and your family. The insurance providers that we shop for you are very competitive in Pilot Hill and have an above average rating with A.M. Best. If you have additional questions or would prefer to work with our specialized California insurance agent then please give us a call. For faster quotes, you can get your Pilot Hill home insurance quotes online by entering your zip code of the home you would like to insure.

What is a Pilot Hill, CA home insurance policy? For Pilot Hill homeowners, you may be interested to know that a home insurance policy is classified as a multiperl. This simply means that it combines both your property and casualty coverage into one packaged policy making it convenient and less expensive to insure your home in Pilot Hill. Your California home insurance policy is designed to protect you from major risk like theft, fire and wind/hail damage. In addition, your new policy can also cover your belongings and liability coverage that may occur due to accidents or injury. Our agents feel it is important for you save money on the cost of your home insurance, but understanding the benefits of great coverage can help protect you when you need it most.

Pilot Hill, CA City Information

Source	Value
Location:	Pilot Hill, CA (EL DORADO County)
Population:	1,380
Occupied Residents:	554
Average Real Estate Value Per Zip Code:	$510,100

Average Pilot Hill Home Insurance Rates

Let's review home insurance rates for the city of Pilot Hill. Did you know that homeowners are finding easier ways to get more affordable rates by shopping online? California may not be the most expensive state in the country to purchase a home insurance policy, it does rank higher than average at a national rank of 24. Homeowners of Pilot Hill, CA are currently paying between $695.00 and $1,245.00 for an annual home insurance premium. On a national scale, homeowners are paying $1,311 per year on average, and for California the average rate combining all premiums is around $1,241 a year. These average home insurance rates reflect the annual premium of a standard HO-3 home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Finding the best homeowners insurance rates online is very easy with GetHomeInsuranceQuotes.com, please allow our shopping services to provide huge savings benefits for you and your family. Save now by shopping rates and review prices as low as $79.00 per month. First, enter your zip code to start shopping local Pilot Hill, CA homeowners insurance rates. Once you process your online application, we can compare up to 12 competitive rates for you. We can also provide a free consultation to allow you to review the policies and ask questions to help alter the coverages and rates. Our process is free and online takes a few minutes of your time. Thousands of Pilot Hill homeowners every month trust our home insurance shopping service. Try it today!

Compare Homeowners Insurance Rates in Pilot Hill, CA!

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Servicing Pilot Hill, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Pilot Hill agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Pilot Hill, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Pilot Hill, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Pilot Hill

Are you looking for homeowners insurance in a city near Pilot Hill? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Pilot Hill, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Pilot Hill.

95664,

Pilot Hill, CA Home Insurance Average Premiums

Local Pilot Hill, CA home insurance quotes comparison

$695 /yr.

Shows Pilot Hill's lowest average rates with discounts applied.

For the city of Pilot Hill, 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)	$695 /yr.
Average Coverage:	$945 /yr.
2600 sq. ft. or higher (all discounts applied)	$1245 /yr.

What is the average home insurance cost for a home in Pilot Hill, CA?

• The average homeowners insurance premium paid annually for a home in Pilot Hill is around $945 per year.

What does it cost on average per month for home insurance in Pilot Hill, CA?

• Homeowners in Pilot Hill pay an average cost per month around $79.00 for insurance coverage.

Pilot Hill, CA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$654,852	$686,725
February	$651,010	$697,043
March	$649,945	$708,853
April	$650,823	$717,977

Homeowners insurance will help cover the cost to repair or replace your Pilot Hill home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Pilot Hill
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Pilot Hill, CA homeowners insurance rates all in one place!

Saving Money Tips on Pilot Hill Home Insurance

A great way to save money on Pilot Hill homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Pilot Hill area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1196 ft.	This is the average home elevation in Pilot Hill, CA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local California flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Pilot Hill, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in El Dorado County.

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, […]

Pilot Hill, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Pilot Hill so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Pilot Hill, CA?

- The average square footage in Pilot Hill is around 973 Sq. Ft. which would cost you around $510,100 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $510,100

Location: Pilot Hill, California (El Dorado County)

Average Building Cost Per Square Foot in Pilot Hill: $524 (low end)

Average Square Footage in Pilot Hill: 973 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$524	$510,100
Some Additional Upgrades	$655	$637,625
Major Home Updates or Advancements	$786	$765,150

Calculate Your Pilot Hill, CA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($524) in Pilot Hill, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,637,500 (Media price to build of $655 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.