You can simply find your zip code in let's say Hotpads.com See similar homes there.

I'm in San Jose so codes are different but its still CA. 

The problem with most new investors outside of Baltimore City is they come in, buy properties cause they think they are cheap, have no clue about construction, use cheap contractors, who in turn do half of what is necessary to get a property to code. 

Is there a coupon code I can use? 

It really depends on your city codes.

There is only what code says should be in place today. 

Also, one zip code in a city could be way different than another zip code. 

None of these are terms that you'll find in the tax code, rather they are "marketing terms."

There's a typo in the area code! 

Keep in mind the premium can change depending on: actual replacement vs cash valueliability protection levelvandalism clause or notmedical expenses levelprotection of rent income or notwater backup or notrebuild code update or notdemolition removal or nottype of house (1 story vs 2-story), type of construction (e.g living space above garage) and materials (brick, stone vs. wood siding), or roofmultiline discountshistory with the provider, claims history and CLUE report/scorecredit score (maybe)property historydesired coverageetc.