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Compare 85349 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in San Luis just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 5,796 neighbors looking to save on their home insurance policy in the local 85349 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 85349. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Arizona rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your San Luis, AZ home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in San Luis, AZ

85349 Home Insurance Average Premiums

Local 85349 homeowners insurance quotes comparison

$420 /yr.

Shows Zip Code: 85349 lowest rates with discounts applied on average.

For the 85349, 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)		$420 /yr.
Average Coverage:$670 /yr.
2600 sq. ft. or higher
(all discounts applied)		$970 /yr.

What is the average home insurance cost for a home in 85349?

  • • The average homeowners insurance premium paid annually for a home in 85349 is around $670 per year.

What does it cost on average per month for home insurance in 85349?

  • • Homeowners in 85349 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 85349?

  • • Autoowners in 85349 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 San Luis area, check out other zip codes nearby 85349.
Review average rates in another zip code:
85336 homeowners insurance rates
85349 homeowners insurance rates

Home Replacement Cost Coverage in 85349

Average Building Cost Per Square Foot in 85349: $161

Location: San Luis, Arizona (Yuma County)

Average Square Footage in 85349: 893 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85349 before you start any project. San Luis homeowners pay on average around $161 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 85349 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 85349 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 893 sq. ft. and the average cost to rebuild the home in this area is around $161 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 San Luis 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$161893$143,800
Additional Upgrades & Added Features$201893$179,750
Major Home Updates or Advancements$242893$215,700

It's important to understand that when you estimate your replacement cost of your home in the 85349 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 85349

Best Home & Auto Insurance Agencies in 85349

Housing Demographics for 85349

Population Review for 85349 Zip Code

For the city of San Luis, the population within 85349 has increased to over 0 residents in population size. The current population total is 28,039. We have broken down the population based on race below. In 85349, there are over 16208 in male population and 11831 females.

PopulationValues
Total Population28,039
White Population6677
Black Population962
Hispanic Population24638
Asian Population25
Hawaiian Population4
Indian Population352
Other Population11095
Male Population16208
Female Population11831
Population Estimate0

Household Data for 85349

The average number of homes in 85349 is around 5,796, there are an average of 3.93 per household. The average house value according to local real estate values is around $143,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,796
Persons Per Household3.93
Average House Value$143,800
Income Per Household$44090
Median Age31.8
Median Age Male32.5
Median Age Female30.3
85349 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CitySan Luis
City Alias NameSAN LUIS
CountyYuma
County FIPS027
State FIPS04
Time Zone7
Day Light SavingN
MSA9360
PMSA
CSA
CBSA49740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameYuma, AZ
MSA_NameYuma, AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses223
Number Of Employees4304
Business First Quarter Payroll34889
Business Annual Payroll140213
Business Employment Flag
Growth Rank84
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number5120
Growth Increase Percentage2.6
Metropolitan DetailsValues
CBSA Population195751
CBSA Division Population0
Congressional District03
Congressional LandArea15688.79
Delivery Residential0
Delivery Business0
Delivery Total12997
Preferred Last Line KeyZ10812
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10812
Land Area22.572000
Water Area0.014000
City Alias Code
City Mixed CaseSan Luis
City Alias Mixed CaseSan Luis
Box Count12692
SFDU0
MFDU0
State ANSI04
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number037548
Unique ZIP Name
SSA State County Code03130
Medicare CBSA Code49740
Medicare CBSA NameYuma, AZ
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseYuma

Arizona Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]