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86436 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 86436 zip code it's important to know that our rates are very competitive for homeowners living in Topock, AZ. Many homeowners based out of your 86436 area 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 home insurance quotes are free 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. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 86436 should appear in the zip code field ready to go. For Topock, AZ Homeowners Insurance Quotes nearby, we offer the best rates and service.

86436: Average Home Insurance Rates

For homeowners living in the great city of Topock, the average homeowners policy is considered very low in comparison to other states. Arizona premiums are estimated to be around $667 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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86436 Home Insurance Average Premiums

Local 86436 homeowners insurance quotes comparison

$417 /yr.

Shows Zip Code: 86436 lowest rates with discounts applied on average.

For the 86436, 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)		$417 /yr.
Average Coverage:$667 /yr.
2600 sq. ft. or higher
(all discounts applied)		$967 /yr.

What is the average home insurance cost for a home in 86436?

  • • The average homeowners insurance premium paid annually for a home in 86436 is around $667 per year.

What does it cost on average per month for home insurance in 86436?

  • • Homeowners in 86436 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 86436?

  • • Autoowners in 86436 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 Topock area, check out other zip codes nearby 86436.
Review average rates in another zip code:
86436 homeowners insurance rates

Home Replacement Cost Coverage in 86436

Average Building Cost Per Square Foot in 86436: $161

Location: Topock, Arizona (Mohave County)

Average Square Footage in 86436: 494 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86436 before you start any project. Topock 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 86436 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 86436 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 494 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 Topock 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$161494$79,500
Additional Upgrades & Added Features$201494$99,375
Major Home Updates or Advancements$242494$119,250

It's important to understand that when you estimate your replacement cost of your home in the 86436 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 86436

Best Home & Auto Insurance Agencies in 86436

Housing Demographics for 86436

Population Review for 86436 Zip Code

For the city of Topock, the population within 86436 has increased to over 12 residents in population size. The current population total is 1,938. We have broken down the population based on race below. In 86436, there are over 1004 in male population and 934 females.

PopulationValues
Total Population1,938
White Population1687
Black Population9
Hispanic Population166
Asian Population14
Hawaiian Population2
Indian Population38
Other Population36
Male Population1004
Female Population934
Population Estimate12

Household Data for 86436

The average number of homes in 86436 is around 966, there are an average of 2.01 per household. The average house value according to local real estate values is around $79,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode966
Persons Per Household2.01
Average House Value$79,500
Income Per Household$30196
Median Age61.7
Median Age Male61.5
Median Age Female61.8
86436 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code928
CityTopock
City Alias NameTOPOCK
CountyMohave
County FIPS015
State FIPS04
Time Zone7
Day Light SavingN
MSA4120
PMSA
CSA
CBSA29420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLake Havasu City-Kingman, AZ
MSA_NameLas Vegas, NV-AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees93
Business First Quarter Payroll752
Business Annual Payroll3513
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population200186
CBSA Division Population0
Congressional District09
Congressional LandArea164.79
Delivery Residential6
Delivery Business5
Delivery Total1364
Preferred Last Line KeyZ10934
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10934
Land Area86.498000
Water Area3.913000
City Alias Code
City Mixed CaseTopock
City Alias Mixed CaseTopock
Box Count1321
SFDU6
MFDU0
State ANSI04
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number038769
Unique ZIP Name
SSA State County Code03070
Medicare CBSA Code29420
Medicare CBSA NameLake Havasu City-Kingman, AZ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseMohave

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 […]