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Compare 85941 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Whiteriver just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,550 neighbors looking to save on their home insurance policy in the local 85941 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 85941. 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 Whiteriver, 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 Whiteriver, AZ

85941 Home Insurance Average Premiums

Local 85941 homeowners insurance quotes comparison

$406 /yr.

Shows Zip Code: 85941 lowest rates with discounts applied on average.

For the 85941, 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)
$406 /yr.
Average Coverage:$656 /yr.
2600 sq. ft. or higher
(all discounts applied)
$956 /yr.

What is the average home insurance cost for a home in 85941?

  • • The average homeowners insurance premium paid annually for a home in 85941 is around $656 per year.

What does it cost on average per month for home insurance in 85941?

  • • Homeowners in 85941 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 85941?

  • • Autoowners in 85941 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 Whiteriver area, check out other zip codes nearby 85941.
Review average rates in another zip code:
85941 homeowners insurance rates

Home Replacement Cost Coverage in 85941

Average Building Cost Per Square Foot in 85941: $161

Location: Whiteriver, Arizona (Navajo County)

Average Square Footage in 85941: 398 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85941 before you start any project. Whiteriver 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 85941 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 85941 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 398 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 Whiteriver 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$161398$64,000
Additional Upgrades & Added Features$201398$80,000
Major Home Updates or Advancements$242398$96,000

It's important to understand that when you estimate your replacement cost of your home in the 85941 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 85941

Best Home & Auto Insurance Agencies in 85941

Housing Demographics for 85941

Population Review for 85941 Zip Code

For the city of Whiteriver, the population within 85941 has increased to over 0 residents in population size. The current population total is 10,575. We have broken down the population based on race below. In 85941, there are over 5089 in male population and 5486 females.

PopulationValues
Total Population10,575
White Population123
Black Population8
Hispanic Population87
Asian Population49
Hawaiian Population2
Indian Population10265
Other Population17
Male Population5089
Female Population5486
Population Estimate0

Household Data for 85941

The average number of homes in 85941 is around 2,550, there are an average of 4.14 per household. The average house value according to local real estate values is around $64,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,550
Persons Per Household4.14
Average House Value$64,000
Income Per Household$38054
Median Age28.4
Median Age Male27.7
Median Age Female29.0
85941 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CityWhiteriver
City Alias NameWHITERIVER
CountyNavajo
County FIPS017
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA
CBSA43320
CBSA_DIV
CBSA_TypeMicro
CBSA_NameShow Low, AZ
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees966
Business First Quarter Payroll13654
Business Annual Payroll58282
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population107449
CBSA Division Population0
Congressional District02
Congressional LandArea7838.12
Delivery Residential0
Delivery Business0
Delivery Total2022
Preferred Last Line KeyZ10977
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10977
Land Area477.397000
Water Area1.043000
City Alias Code
City Mixed CaseWhiteriver
City Alias Mixed CaseWhiteriver
Box Count1952
SFDU0
MFDU0
State ANSI04
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number039324
Unique ZIP Name
SSA State County Code03080
Medicare CBSA Code99903
Medicare CBSA NameRural Areas in AZ
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseNavajo

Arizona Homeowners Insurance News & Information

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    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 […]