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86438 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 86438? Our rates are very competitive for homeowners living in Yucca, AZ. Many homeowners based out of your 86438 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 homeowners 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 86438 should appear in the zip code field ready to go. For Yucca, AZ Home Insurance Rate Quotes click to review the best rates and service online!

86438 Average Premium is Rated: Very Low!

Homeowners living in 86438 can easily save up to 40% off the average home insurance premium of $649 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Yucca that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 86438 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 86438!

86438 Home Insurance Average Premiums

Local 86438 homeowners insurance quotes comparison

$399 /yr.

Shows Zip Code: 86438 lowest rates with discounts applied on average.

For the 86438, 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)
$399 /yr.
Average Coverage:$649 /yr.
2600 sq. ft. or higher
(all discounts applied)
$949 /yr.

What is the average home insurance cost for a home in 86438?

  • • The average homeowners insurance premium paid annually for a home in 86438 is around $649 per year.

What does it cost on average per month for home insurance in 86438?

  • • Homeowners in 86438 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 86438?

  • • Autoowners in 86438 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 Yucca area, check out other zip codes nearby 86438.
Review average rates in another zip code:
86438 homeowners insurance rates

Home Replacement Cost Coverage in 86438

Average Building Cost Per Square Foot in 86438: $161

Location: Yucca, Arizona (Mohave County)

Average Square Footage in 86438: 865 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86438 before you start any project. Yucca 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 86438 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 86438 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 865 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 Yucca 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$161865$139,300
Additional Upgrades & Added Features$201865$174,125
Major Home Updates or Advancements$242865$208,950

It's important to understand that when you estimate your replacement cost of your home in the 86438 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 86438

Best Home & Auto Insurance Agencies in 86438

Housing Demographics for 86438

Population Review for 86438 Zip Code

For the city of Yucca, the population within 86438 has increased to over 0 residents in population size. The current population total is 945. We have broken down the population based on race below. In 86438, there are over 515 in male population and 430 females.

PopulationValues
Total Population945
White Population745
Black Population13
Hispanic Population107
Asian Population4
Hawaiian Population2
Indian Population25
Other Population38
Male Population515
Female Population430
Population Estimate0

Household Data for 86438

The average number of homes in 86438 is around 449, there are an average of 2.10 per household. The average house value according to local real estate values is around $139,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode449
Persons Per Household2.10
Average House Value$139,300
Income Per Household$40671
Median Age60.8
Median Age Male61.7
Median Age Female59.8
86438 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CityYucca
City Alias NameYUCCA
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 Businesses12
Number Of Employees164
Business First Quarter Payroll2442
Business Annual Payroll11594
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 District04|09
Congressional LandArea33199.45|164.79
Delivery Residential0
Delivery Business0
Delivery Total713
Preferred Last Line KeyZ11000
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11000
Land Area960.737000
Water Area0.010000
City Alias Code
City Mixed CaseYucca
City Alias Mixed CaseYucca
Box Count668
SFDU0
MFDU0
State ANSI04
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number039805
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

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]