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86338 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 86338? There are over 251 occupied homes in the 86338 area. With a population size of 587, it's not uncommon for residence of Skull Valley, 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 $647 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 86338 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: Skull Valley, AZ Home Insurance Rate Quotes

86338 Home Insurance Average Premiums

Local 86338 homeowners insurance quotes comparison

$397 /yr.

Shows Zip Code: 86338 lowest rates with discounts applied on average.

For the 86338, 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)		$397 /yr.
Average Coverage:$647 /yr.
2600 sq. ft. or higher
(all discounts applied)		$947 /yr.

What is the average home insurance cost for a home in 86338?

  • • The average homeowners insurance premium paid annually for a home in 86338 is around $647 per year.

What does it cost on average per month for home insurance in 86338?

  • • Homeowners in 86338 pay a monthly average cost per month around $54.00.

What kind of discount could I get if I combine my home and auto insurance together in 86338?

  • • Autoowners in 86338 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 Skull Valley area, check out other zip codes nearby 86338.
Review average rates in another zip code:
86338 homeowners insurance rates

Home Replacement Cost Coverage in 86338

Average Building Cost Per Square Foot in 86338: $161

Location: Skull Valley, Arizona (Yavapai County)

Average Square Footage in 86338: 4,311 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86338 before you start any project. Skull Valley 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 86338 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 86338 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,311 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 Skull Valley 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$1614,311$694,000
Additional Upgrades & Added Features$2014,311$867,500
Major Home Updates or Advancements$2424,311$1,041,000

It's important to understand that when you estimate your replacement cost of your home in the 86338 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 86338

Best Home & Auto Insurance Agencies in 86338

Housing Demographics for 86338

Population Review for 86338 Zip Code

For the city of Skull Valley, the population within 86338 has increased to over 0 residents in population size. The current population total is 587. We have broken down the population based on race below. In 86338, there are over 304 in male population and 283 females.

PopulationValues
Total Population587
White Population489
Black Population2
Hispanic Population70
Asian Population4
Hawaiian Population0
Indian Population11
Other Population23
Male Population304
Female Population283
Population Estimate0

Household Data for 86338

The average number of homes in 86338 is around 251, there are an average of 2.34 per household. The average house value according to local real estate values is around $694,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode251
Persons Per Household2.34
Average House Value$694,000
Income Per Household$54931
Median Age59.5
Median Age Male60.4
Median Age Female58.8
86338 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928/520
CitySkull Valley
City Alias NameSKULL VALLEY
CountyYavapai
County FIPS025
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA
CBSA39150
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePrescott Valley-Prescott, AZ
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees34
Business First Quarter Payroll307
Business Annual Payroll1246
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 Total291
Preferred Last Line KeyZ10841
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10841
Land Area336.282000
Water Area0.000000
City Alias Code
City Mixed CaseSkull Valley
City Alias Mixed CaseSkull Valley
Box Count271
SFDU0
MFDU0
State ANSI04
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number037992
Unique ZIP Name
SSA State County Code03120
Medicare CBSA Code39150
Medicare CBSA NamePrescott Valley-Prescott, AZ
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseYavapai

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 […]