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Home Insurance Quotes in 86034

Are you shopping for a cheaper homeowners insurance rate in 86034? Our rates are very competitive for homeowners living in Keams Canyon, AZ. Many homeowners located in the 86034 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 86034. To get free 86034 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 86034 zip code should appear in the zip code field ready to go. Shopping Keams Canyon, AZ Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 86034 to review the best rate coverages.

Your 86034 Home Insurance Costs Is Rated: Very Low!

For the great city of Keams Canyon, the average home insurance premium paid annually is around $658 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 Keams Canyon and need insurance on your home in the 86034 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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86034 Home Insurance Average Premiums

Local 86034 homeowners insurance quotes comparison

$408 /yr.

Shows Zip Code: 86034 lowest rates with discounts applied on average.

For the 86034, 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)
$408 /yr.
Average Coverage:$658 /yr.
2600 sq. ft. or higher
(all discounts applied)
$958 /yr.

What is the average home insurance cost for a home in 86034?

  • • The average homeowners insurance premium paid annually for a home in 86034 is around $658 per year.

What does it cost on average per month for home insurance in 86034?

  • • Homeowners in 86034 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 86034?

  • • Autoowners in 86034 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 Keams Canyon area, check out other zip codes nearby 86034.
Review average rates in another zip code:
86034 homeowners insurance rates

Home Replacement Cost Coverage in 86034

Average Building Cost Per Square Foot in 86034: $161

Location: Keams Canyon, Arizona (Navajo County)

Average Square Footage in 86034: 418 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86034 before you start any project. Keams Canyon 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 86034 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 86034 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 418 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 Keams Canyon 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$161418$67,300
Additional Upgrades & Added Features$201418$84,125
Major Home Updates or Advancements$242418$100,950

It's important to understand that when you estimate your replacement cost of your home in the 86034 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 86034

Best Home & Auto Insurance Agencies in 86034

Housing Demographics for 86034

Population Review for 86034 Zip Code

For the city of Keams Canyon, the population within 86034 has increased to over 0 residents in population size. The current population total is 2,116. We have broken down the population based on race below. In 86034, there are over 1073 in male population and 1043 females.

PopulationValues
Total Population2,116
White Population45
Black Population13
Hispanic Population53
Asian Population14
Hawaiian Population0
Indian Population1993
Other Population12
Male Population1073
Female Population1043
Population Estimate0

Household Data for 86034

The average number of homes in 86034 is around 678, there are an average of 3.12 per household. The average house value according to local real estate values is around $67,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode678
Persons Per Household3.12
Average House Value$67,300
Income Per Household$26339
Median Age39.8
Median Age Male40.4
Median Age Female39.2
86034 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CityKeams Canyon
City Alias NameKEAMS CANYON
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 Businesses5
Number Of Employees147
Business First Quarter Payroll1423
Business Annual Payroll5797
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 Total657
Preferred Last Line KeyZ10623
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10623
Land Area486.201000
Water Area0.412000
City Alias Code
City Mixed CaseKeams Canyon
City Alias Mixed CaseKeams Canyon
Box Count634
SFDU0
MFDU0
State ANSI04
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number034366
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 […]