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89008 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 89008? There are over 519 occupied homes in the 89008 area. With a population size of 1,242, it's not uncommon for residence of Caliente, NV to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Nevada is around $592 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 89008 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Caliente, NV Home Insurance Rate Quotes

89008 Home Insurance Average Premiums

Local 89008 homeowners insurance quotes comparison

$342 /yr.

Shows Zip Code: 89008 lowest rates with discounts applied on average.

For the 89008, 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)		$342 /yr.
Average Coverage:$592 /yr.
2600 sq. ft. or higher
(all discounts applied)		$892 /yr.

What is the average home insurance cost for a home in 89008?

  • • The average homeowners insurance premium paid annually for a home in 89008 is around $592 per year.

What does it cost on average per month for home insurance in 89008?

  • • Homeowners in 89008 pay a monthly average cost per month around $49.00.

What kind of discount could I get if I combine my home and auto insurance together in 89008?

  • • Autoowners in 89008 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 Caliente area, check out other zip codes nearby 89008.
Review average rates in another zip code:
89008 homeowners insurance rates

Home Replacement Cost Coverage in 89008

Average Building Cost Per Square Foot in 89008: $177

Location: Caliente, Nevada (Lincoln County)

Average Square Footage in 89008: 877 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89008 before you start any project. Caliente homeowners pay on average around $177 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 89008 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 89008 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 877 sq. ft. and the average cost to rebuild the home in this area is around $177 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 Caliente 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$177877$155,300
Additional Upgrades & Added Features$221877$194,125
Major Home Updates or Advancements$266877$232,950

It's important to understand that when you estimate your replacement cost of your home in the 89008 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 89008

Best Home & Auto Insurance Agencies in 89008

Dolan & Edwards Services Financial Limited

Address: 160 Front St Caliente, NV 89008
Phone:
Website:
Info:

Housing Demographics for 89008

Population Review for 89008 Zip Code

For the city of Caliente, the population within 89008 has increased to over 44 residents in population size. The current population total is 1,242. We have broken down the population based on race below. In 89008, there are over 637 in male population and 605 females.

PopulationValues
Total Population1,242
White Population1075
Black Population38
Hispanic Population96
Asian Population6
Hawaiian Population10
Indian Population18
Other Population31
Male Population637
Female Population605
Population Estimate44

Household Data for 89008

The average number of homes in 89008 is around 519, there are an average of 2.24 per household. The average house value according to local real estate values is around $155,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode519
Persons Per Household2.24
Average House Value$155,300
Income Per Household$33698
Median Age45.3
Median Age Male44.6
Median Age Female47.3
89008 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CityCaliente
City Alias NameCALIENTE
CountyLincoln
County FIPS017
State FIPS32
Time Zone8
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 Businesses27
Number Of Employees206
Business First Quarter Payroll1791
Business Annual Payroll7080
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 District04
Congressional LandArea50997.97
Delivery Residential20
Delivery Business1
Delivery Total669
Preferred Last Line KeyZ14336
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14336
Land Area1809.698000
Water Area0.332000
City Alias Code
City Mixed CaseCaliente
City Alias Mixed CaseCaliente
Box Count577
SFDU20
MFDU0
State ANSI32
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number311120
Unique ZIP Name
SSA State County Code29080
Medicare CBSA Code99929
Medicare CBSA NameRural Areas in NV
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseLincoln

Nevada 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 […]