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Home Insurance Quotes in 85635

Are you shopping for a cheaper homeowners insurance rate in 85635? Our rates are very competitive for homeowners living in Sierra Vista, AZ. Many homeowners located in the 85635 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Arizona licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 85635. To get free 85635 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 85635 zip code should appear in the zip code field ready to go. Shopping Sierra Vista, AZ Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 85635 to review the best rate coverages.

Your 85635 Home Insurance Costs Is Rated: Very Low!

For the great city of Sierra Vista, the average home insurance premium paid annually is around $613 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Arizona specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Sierra Vista and need insurance on your home in the 85635 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 85635 Homeowners Insurance Rates Now!

85635 Home Insurance Average Premiums

Local 85635 homeowners insurance quotes comparison

$363 /yr.

Shows Zip Code: 85635 lowest rates with discounts applied on average.

For the 85635, 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)
$363 /yr.
Average Coverage:$613 /yr.
2600 sq. ft. or higher
(all discounts applied)
$913 /yr.

What is the average home insurance cost for a home in 85635?

  • • The average homeowners insurance premium paid annually for a home in 85635 is around $613 per year.

What does it cost on average per month for home insurance in 85635?

  • • Homeowners in 85635 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 85635?

  • • Autoowners in 85635 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 Sierra Vista area, check out other zip codes nearby 85635.
Review average rates in another zip code:
85650 homeowners insurance rates
85635 homeowners insurance rates

Home Replacement Cost Coverage in 85635

Average Building Cost Per Square Foot in 85635: $161

Location: Sierra Vista, Arizona (Cochise County)

Average Square Footage in 85635: 1,022 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85635 before you start any project. Sierra Vista 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 85635 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 85635 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,022 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 Sierra Vista 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$1611,022$164,500
Additional Upgrades & Added Features$2011,022$205,625
Major Home Updates or Advancements$2421,022$246,750

It's important to understand that when you estimate your replacement cost of your home in the 85635 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 85635

Allstate Insurance - Hilary Chavez

Address: 500 E Fry Blvd L-4 Sierra Vista, AZ 85635
Phone: (520)459-5563
Website:

Allstate Insurance - Paul S Berkley

Address: 3676 E Fry Blvd Sierra Vista, AZ 85635
Phone: (520)459-1786
Website:

Best Home & Auto Insurance Agencies in 85635

Allstate Insurance - Paul S Berkley

Address: 3676 E Fry Blvd Sierra Vista, AZ 85635
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 1165 E Fry Blvd Sierra Vista, AZ 85635
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Heins- Stephen D - State Farm Insurance Agent

Address: 1700 S Highway 92 Sierra Vista, AZ 85635
Phone:
Website:
Info:

Wright- Penny P

Address: 400 W Fry Blvd, #8 Sierra Vista, AZ 85635
Phone:
Website:
Info:

Housing Demographics for 85635

Population Review for 85635 Zip Code

For the city of Sierra Vista, the population within 85635 has increased to over 37,557 residents in population size. The current population total is 35,095. We have broken down the population based on race below. In 85635, there are over 16849 in male population and 18246 females.

PopulationValues
Total Population35,095
White Population22469
Black Population2527
Hispanic Population8818
Asian Population1347
Hawaiian Population267
Indian Population378
Other Population2496
Male Population16849
Female Population18246
Population Estimate37557

Household Data for 85635

The average number of homes in 85635 is around 15,511, there are an average of 2.25 per household. The average house value according to local real estate values is around $164,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,511
Persons Per Household2.25
Average House Value$164,500
Income Per Household$57689
Median Age40.8
Median Age Male39.3
Median Age Female42.6
85635 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code520
CitySierra Vista
City Alias NameSIERRA VISTA
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 Businesses835
Number Of Employees11380
Business First Quarter Payroll115624
Business Annual Payroll480535
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 Residential16692
Delivery Business1172
Delivery Total17805
Preferred Last Line KeyZ10838
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10838
Land Area68.070000
Water Area0.206000
City Alias Code
City Mixed CaseSierra Vista
City Alias Mixed CaseSierra Vista
Box Count0
SFDU5680
MFDU3613
State ANSI04
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number037965
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

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]