Get multiple home insurance quotes in 86044. Our licensed 86044, AZ agents are ready to serve you.

Compare 86044 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Tonalea just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 1,202 neighbors looking to save on their home insurance policy in the local 86044 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 86044. 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 Tonalea, 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 Tonalea, AZ

86044 Home Insurance Average Premiums

Local 86044 homeowners insurance quotes comparison

$390 /yr.

Shows Zip Code: 86044 lowest rates with discounts applied on average.

For the 86044, 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)		$390 /yr.
Average Coverage:$640 /yr.
2600 sq. ft. or higher
(all discounts applied)		$940 /yr.

What is the average home insurance cost for a home in 86044?

  • • The average homeowners insurance premium paid annually for a home in 86044 is around $640 per year.

What does it cost on average per month for home insurance in 86044?

  • • Homeowners in 86044 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 86044?

  • • Autoowners in 86044 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 Tonalea area, check out other zip codes nearby 86044.
Review average rates in another zip code:
86044 homeowners insurance rates

Home Replacement Cost Coverage in 86044

Average Building Cost Per Square Foot in 86044: $161

Location: Tonalea, Arizona (Coconino County)

Average Square Footage in 86044: 275 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86044 before you start any project. Tonalea 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 86044 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 86044 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 275 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 Tonalea 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$161275$44,300
Additional Upgrades & Added Features$201275$55,375
Major Home Updates or Advancements$242275$66,450

It's important to understand that when you estimate your replacement cost of your home in the 86044 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 86044

Best Home & Auto Insurance Agencies in 86044

Housing Demographics for 86044

Population Review for 86044 Zip Code

For the city of Tonalea, the population within 86044 has increased to over 26 residents in population size. The current population total is 4,127. We have broken down the population based on race below. In 86044, there are over 2072 in male population and 2055 females.

PopulationValues
Total Population4,127
White Population105
Black Population7
Hispanic Population45
Asian Population2
Hawaiian Population3
Indian Population3929
Other Population12
Male Population2072
Female Population2055
Population Estimate26

Household Data for 86044

The average number of homes in 86044 is around 1,202, there are an average of 3.34 per household. The average house value according to local real estate values is around $44,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,202
Persons Per Household3.34
Average House Value$44,300
Income Per Household$19762
Median Age35.3
Median Age Male33.0
Median Age Female37.4
86044 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code928
CityTonalea
City Alias NameTONALEA
CountyCoconino
County FIPS005
State FIPS04
Time Zone7
Day Light SavingY
MSA2620
PMSA
CSA
CBSA22380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFlagstaff, AZ
MSA_NameFlagstaff, AZ-UT MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees59
Business First Quarter Payroll335
Business Annual Payroll1303
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population134421
CBSA Division Population0
Congressional District02|03
Congressional LandArea7838.12|20070.54
Delivery Residential8
Delivery Business5
Delivery Total1008
Preferred Last Line KeyZ10930
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ10930
Land Area1146.013000
Water Area0.167000
City Alias Code
City Mixed CaseTonalea
City Alias Mixed CaseTonalea
Box Count788
SFDU0
MFDU8
State ANSI04
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number038621
Unique ZIP Name
SSA State County Code03020
Medicare CBSA Code22380
Medicare CBSA NameFlagstaff, AZ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCoconino

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 […]