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85940 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 85940? There are over 682 occupied homes in the 85940 area. With a population size of 1,580, it's not uncommon for residence of Vernon, AZ to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Arizona is around $630 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 85940 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Vernon, AZ Home Insurance Rate Quotes

85940 Home Insurance Average Premiums

Local 85940 homeowners insurance quotes comparison

$380 /yr.

Shows Zip Code: 85940 lowest rates with discounts applied on average.

For the 85940, 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)		$380 /yr.
Average Coverage:$630 /yr.
2600 sq. ft. or higher
(all discounts applied)		$930 /yr.

What is the average home insurance cost for a home in 85940?

  • • The average homeowners insurance premium paid annually for a home in 85940 is around $630 per year.

What does it cost on average per month for home insurance in 85940?

  • • Homeowners in 85940 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 85940?

  • • Autoowners in 85940 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 Vernon area, check out other zip codes nearby 85940.
Review average rates in another zip code:
85940 homeowners insurance rates

Home Replacement Cost Coverage in 85940

Average Building Cost Per Square Foot in 85940: $161

Location: Vernon, Arizona (Apache County)

Average Square Footage in 85940: 1,201 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85940 before you start any project. Vernon 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 85940 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 85940 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,201 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 Vernon 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$1611,201$193,300
Additional Upgrades & Added Features$2011,201$241,625
Major Home Updates or Advancements$2421,201$289,950

It's important to understand that when you estimate your replacement cost of your home in the 85940 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 85940

Best Home & Auto Insurance Agencies in 85940

Housing Demographics for 85940

Population Review for 85940 Zip Code

For the city of Vernon, the population within 85940 has increased to over 0 residents in population size. The current population total is 1,580. We have broken down the population based on race below. In 85940, there are over 795 in male population and 785 females.

PopulationValues
Total Population1,580
White Population1329
Black Population6
Hispanic Population168
Asian Population4
Hawaiian Population0
Indian Population74
Other Population58
Male Population795
Female Population785
Population Estimate0

Household Data for 85940

The average number of homes in 85940 is around 682, there are an average of 2.24 per household. The average house value according to local real estate values is around $193,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode682
Persons Per Household2.24
Average House Value$193,300
Income Per Household$56625
Median Age59.6
Median Age Male59.5
Median Age Female59.8
85940 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CityVernon
City Alias NameVERNON
CountyApache
County FIPS001
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees62
Business First Quarter Payroll418
Business Annual Payroll2165
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea7838.12
Delivery Residential0
Delivery Business0
Delivery Total688
Preferred Last Line KeyZ10959
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10959
Land Area98.233000
Water Area0.142000
City Alias Code
City Mixed CaseVernon
City Alias Mixed CaseVernon
Box Count665
SFDU0
MFDU0
State ANSI04
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number039065
Unique ZIP Name
SSA State County Code03000
Medicare CBSA Code99903
Medicare CBSA NameRural Areas in AZ
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseApache

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