ZIP 93953 Insurance Data

Data Snapshot: ZIP 93953 (Pebble Beach, CA)

ZIP 93953 (Pebble Beach, CA) shows an average homeowners insurance premium of $5,151 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 216 reported policies. That is 190% above the national average of $1,776 per year, placing this ZIP in the 99th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 176% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 93953 is 11.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.62%, and the average claim severity (amount paid per claim) is $34,914. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.01% in this ZIP, a rise of 50.2% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 93953 have risen by 35.1%, ranging from $3,812 to $5,151 with a five-year average of $4,409 — an annualized rate of +7.8% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.