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86505 Home Insurance Rates & Premiums

Did you know there are over 6,605 people living within the 86505 zip code area? There are over 2,134 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 86505.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Arizona are on the rise. The estimated average premium is around $651 a year for a standard homeowners insurance policy in Ganado. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Ganado, AZ Homeowners Insurance Quotes Online

86505 Home Insurance Average Premiums

Local 86505 homeowners insurance quotes comparison

$401 /yr.

Shows Zip Code: 86505 lowest rates with discounts applied on average.

For the 86505, 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)		$401 /yr.
Average Coverage:$651 /yr.
2600 sq. ft. or higher
(all discounts applied)		$951 /yr.

What is the average home insurance cost for a home in 86505?

  • • The average homeowners insurance premium paid annually for a home in 86505 is around $651 per year.

What does it cost on average per month for home insurance in 86505?

  • • Homeowners in 86505 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 86505?

  • • Autoowners in 86505 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 Ganado area, check out other zip codes nearby 86505.
Review average rates in another zip code:
86505 homeowners insurance rates

Home Replacement Cost Coverage in 86505

Average Building Cost Per Square Foot in 86505: $161

Location: Ganado, Arizona (Apache County)

Average Square Footage in 86505: 202 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86505 before you start any project. Ganado 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 86505 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 86505 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 202 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 Ganado 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$161202$32,500
Additional Upgrades & Added Features$201202$40,625
Major Home Updates or Advancements$242202$48,750

It's important to understand that when you estimate your replacement cost of your home in the 86505 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 86505

Best Home & Auto Insurance Agencies in 86505

Housing Demographics for 86505

Population Review for 86505 Zip Code

For the city of Ganado, the population within 86505 has increased to over 3 residents in population size. The current population total is 6,605. We have broken down the population based on race below. In 86505, there are over 3207 in male population and 3398 females.

PopulationValues
Total Population6,605
White Population58
Black Population12
Hispanic Population98
Asian Population37
Hawaiian Population1
Indian Population6383
Other Population9
Male Population3207
Female Population3398
Population Estimate3

Household Data for 86505

The average number of homes in 86505 is around 2,134, there are an average of 3.09 per household. The average house value according to local real estate values is around $32,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,134
Persons Per Household3.09
Average House Value$32,500
Income Per Household$24572
Median Age38.4
Median Age Male36.3
Median Age Female40.4
86505 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code928
CityGanado
City Alias NameGANADO
CountyApache
County FIPS001
State FIPS04
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses17
Number Of Employees399
Business First Quarter Payroll4884
Business Annual Payroll18723
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 Residential1
Delivery Business7
Delivery Total1140
Preferred Last Line KeyZ10546
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10546
Land Area1073.622000
Water Area1.206000
City Alias Code
City Mixed CaseGanado
City Alias Mixed CaseGanado
Box Count1102
SFDU1
MFDU0
State ANSI04
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number033293
Unique ZIP Name
SSA State County Code03000
Medicare CBSA Code99903
Medicare CBSA NameRural Areas in AZ
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseApache

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 […]