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85609 Home Insurance Rates & Premiums

Did you know there are over 325 people living within the 85609 zip code area? There are over 145 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 85609.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Arizona are on the rise. The estimated average premium is around $615 a year for a standard homeowners insurance policy in Dragoon. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Dragoon, AZ Homeowners Insurance Quotes Online

85609 Home Insurance Average Premiums

Local 85609 homeowners insurance quotes comparison

$365 /yr.

Shows Zip Code: 85609 lowest rates with discounts applied on average.

For the 85609, 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)		$365 /yr.
Average Coverage:$615 /yr.
2600 sq. ft. or higher
(all discounts applied)		$915 /yr.

What is the average home insurance cost for a home in 85609?

  • • The average homeowners insurance premium paid annually for a home in 85609 is around $615 per year.

What does it cost on average per month for home insurance in 85609?

  • • Homeowners in 85609 pay a monthly average cost per month around $51.00.

What kind of discount could I get if I combine my home and auto insurance together in 85609?

  • • Autoowners in 85609 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 Dragoon area, check out other zip codes nearby 85609.
Review average rates in another zip code:
85609 homeowners insurance rates

Home Replacement Cost Coverage in 85609

Average Building Cost Per Square Foot in 85609: $161

Location: Dragoon, Arizona (Cochise County)

Average Square Footage in 85609: 1,025 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85609 before you start any project. Dragoon 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 85609 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 85609 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,025 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 Dragoon 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$1611,025$165,000
Additional Upgrades & Added Features$2011,025$206,250
Major Home Updates or Advancements$2421,025$247,500

It's important to understand that when you estimate your replacement cost of your home in the 85609 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 85609

Best Home & Auto Insurance Agencies in 85609

Housing Demographics for 85609

Population Review for 85609 Zip Code

For the city of Dragoon, the population within 85609 has increased to over 0 residents in population size. The current population total is 325. We have broken down the population based on race below. In 85609, there are over 152 in male population and 173 females.

PopulationValues
Total Population325
White Population274
Black Population0
Hispanic Population25
Asian Population10
Hawaiian Population0
Indian Population5
Other Population6
Male Population152
Female Population173
Population Estimate0

Household Data for 85609

The average number of homes in 85609 is around 145, there are an average of 2.24 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode145
Persons Per Household2.24
Average House Value$165,000
Income Per Household$0
Median Age61.3
Median Age Male61.7
Median Age Female61.1
85609 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code520
CityDragoon
City Alias NameDRAGOON
CountyCochise
County FIPS003
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA
CBSA43420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSierra Vista-Douglas, AZ
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees62
Business First Quarter Payroll966
Business Annual Payroll1944
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population131346
CBSA Division Population0
Congressional District06
Congressional LandArea625.07
Delivery Residential0
Delivery Business0
Delivery Total188
Preferred Last Line KeyZ10503
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10503
Land Area118.931000
Water Area0.049000
City Alias Code
City Mixed CaseDragoon
City Alias Mixed CaseDragoon
Box Count174
SFDU0
MFDU0
State ANSI04
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number032479
Unique ZIP Name
SSA State County Code03010
Medicare CBSA Code43420
Medicare CBSA NameSierra Vista-Douglas, AZ
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseCochise

Arizona Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    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 […]