Get multiple home insurance quotes in 86508. Our licensed 86508, AZ agents are ready to serve you.

86508 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 86508 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Lupton, AZ. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 86508 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Arizona, like average Lupton homeowners insurance rates, coverage options or home insurance types, please select Lupton, AZ Home Insurance Rates Online!

86508 Home Insurance Average Premiums

Local 86508 homeowners insurance quotes comparison

$396 /yr.

Shows Zip Code: 86508 lowest rates with discounts applied on average.

For the 86508, 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)
$396 /yr.
Average Coverage:$646 /yr.
2600 sq. ft. or higher
(all discounts applied)
$946 /yr.

What is the average home insurance cost for a home in 86508?

  • • The average homeowners insurance premium paid annually for a home in 86508 is around $646 per year.

What does it cost on average per month for home insurance in 86508?

  • • Homeowners in 86508 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 86508?

  • • Autoowners in 86508 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 Lupton area, check out other zip codes nearby 86508.
Review average rates in another zip code:
86508 homeowners insurance rates

Home Replacement Cost Coverage in 86508

Average Building Cost Per Square Foot in 86508: $161

Location: Lupton, Arizona (Apache County)

Average Square Footage in 86508: 160 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86508 before you start any project. Lupton 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 86508 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 86508 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 160 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 Lupton 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$161160$25,700
Additional Upgrades & Added Features$201160$32,125
Major Home Updates or Advancements$242160$38,550

It's important to understand that when you estimate your replacement cost of your home in the 86508 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 86508

Best Home & Auto Insurance Agencies in 86508

Housing Demographics for 86508

Population Review for 86508 Zip Code

For the city of Lupton, the population within 86508 has increased to over 0 residents in population size. The current population total is 606. We have broken down the population based on race below. In 86508, there are over 329 in male population and 277 females.

PopulationValues
Total Population606
White Population5
Black Population1
Hispanic Population16
Asian Population3
Hawaiian Population1
Indian Population584
Other Population2
Male Population329
Female Population277
Population Estimate0

Household Data for 86508

The average number of homes in 86508 is around 214, there are an average of 2.83 per household. The average house value according to local real estate values is around $25,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode214
Persons Per Household2.83
Average House Value$25,700
Income Per Household$14107
Median Age36.4
Median Age Male33.4
Median Age Female40.2
86508 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CityLupton
City Alias NameLUPTON
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 Businesses8
Number Of Employees66
Business First Quarter Payroll427
Business Annual Payroll1662
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 District01|02
Congressional LandArea55039.61|7838.12
Delivery Residential0
Delivery Business0
Delivery Total228
Preferred Last Line KeyZ10656
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10656
Land Area81.942000
Water Area0.039000
City Alias Code
City Mixed CaseLupton
City Alias Mixed CaseLupton
Box Count0
SFDU0
MFDU0
State ANSI04
County ANSI001
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number037511
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 […]