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86515 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 86515 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Window Rock, AZ quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 86515.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 86515 and start shopping.

Quickly and Easily Compare Average Rates for 86515

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Window Rock, AZ home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 86515

Homeowners in Window Rock are paying roughly $649 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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86515 Home Insurance Average Premiums

Local 86515 homeowners insurance quotes comparison

$399 /yr.

Shows Zip Code: 86515 lowest rates with discounts applied on average.

For the 86515, 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 86515?

  • • The average homeowners insurance premium paid annually for a home in 86515 is around $649 per year.

What does it cost on average per month for home insurance in 86515?

  • • Homeowners in 86515 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 86515?

  • • Autoowners in 86515 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 Window Rock area, check out other zip codes nearby 86515.
Review average rates in another zip code:
86515 homeowners insurance rates

Home Replacement Cost Coverage in 86515

Average Building Cost Per Square Foot in 86515: $161

Location: Window Rock, Arizona (Apache County)

Average Square Footage in 86515: 346 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86515 before you start any project. Window Rock 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 86515 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 86515 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 346 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 Window Rock 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$161346$55,700
Additional Upgrades & Added Features$201346$69,625
Major Home Updates or Advancements$242346$83,550

It's important to understand that when you estimate your replacement cost of your home in the 86515 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 86515

Best Home & Auto Insurance Agencies in 86515

Housing Demographics for 86515

Population Review for 86515 Zip Code

For the city of Window Rock, the population within 86515 has increased to over 0 residents in population size. The current population total is 3,634. We have broken down the population based on race below. In 86515, there are over 1713 in male population and 1921 females.

PopulationValues
Total Population3,634
White Population110
Black Population4
Hispanic Population69
Asian Population0
Hawaiian Population0
Indian Population3429
Other Population13
Male Population1713
Female Population1921
Population Estimate0

Household Data for 86515

The average number of homes in 86515 is around 1,169, there are an average of 3.02 per household. The average house value according to local real estate values is around $55,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,169
Persons Per Household3.02
Average House Value$55,700
Income Per Household$36818
Median Age36.6
Median Age Male35.8
Median Age Female38.2
86515 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias Abbreviation
Area Code928
CityWindow Rock
City Alias NameWINDOW ROCK
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 Businesses31
Number Of Employees662
Business First Quarter Payroll4238
Business Annual Payroll19395
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
Congressional LandArea55039.61
Delivery Residential0
Delivery Business0
Delivery Total2930
Preferred Last Line KeyZ10987
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10987
Land Area115.633000
Water Area0.001000
City Alias Code
City Mixed CaseWindow Rock
City Alias Mixed CaseWindow Rock
Box Count2625
SFDU0
MFDU0
State ANSI04
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number039509
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 […]