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Searching for Homeowners Insurance in 89104

If you are a homeowners that lives in 89104 you may be searching for more affordable homeowners insurance in Las Vegas. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Las Vegas, NV. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Nevada licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 89104 Home Insurance Rate Quotes Right Now!

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

Check Out 89104 Home Insurance Costs: very low!

In Las Vegas, homeowners are paying roughly $650 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 89104 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Las Vegas are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 89104 policy right now!

89104 Home Insurance Average Premiums

Local 89104 homeowners insurance quotes comparison

$400 /yr.

Shows Zip Code: 89104 lowest rates with discounts applied on average.

For the 89104, 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)
$400 /yr.
Average Coverage:$650 /yr.
2600 sq. ft. or higher
(all discounts applied)
$950 /yr.

What is the average home insurance cost for a home in 89104?

  • • The average homeowners insurance premium paid annually for a home in 89104 is around $650 per year.

What does it cost on average per month for home insurance in 89104?

  • • Homeowners in 89104 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 89104?

  • • Autoowners in 89104 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 Las Vegas area, check out other zip codes nearby 89104.
Review average rates in another zip code:
89149 homeowners insurance rates
89120 homeowners insurance rates
89118 homeowners insurance rates
89161 homeowners insurance rates
89144 homeowners insurance rates
89108 homeowners insurance rates
89183 homeowners insurance rates
89129 homeowners insurance rates
89169 homeowners insurance rates
89138 homeowners insurance rates

Home Replacement Cost Coverage in 89104

Average Building Cost Per Square Foot in 89104: $177

Location: Las Vegas, Nevada (Clark County)

Average Square Footage in 89104: 1,239 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89104 before you start any project. Las Vegas 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 89104 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 89104 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,239 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 Las Vegas 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$1771,239$219,300
Additional Upgrades & Added Features$2211,239$274,125
Major Home Updates or Advancements$2661,239$328,950

It's important to understand that when you estimate your replacement cost of your home in the 89104 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 89104

Linsenbardt Insurance Agency

Address: 2305 East Sahara Avenue Suite B Las Vegas, NV 89104
Phone: (702)735-5555
Website:

Best Home & Auto Insurance Agencies in 89104

True Savings Insurance

Address: 1940 E Sahara Ave Las Vegas, NV 89104
Phone:
Website:
Info:

Insurance Express Inc.

Address: 2307 S Eastern Ave Las Vegas, NV 89104
Phone:
Website:
Info:

Pearson Jr- Leon A - State Farm Insurance Agent

Address: 1900 E Sahara Ave, #100 Las Vegas, NV 89104
Phone:
Website:
Info:

Trimboli Peter G Insurance Agency Inc

Address: 990 E Sahara Ave Las Vegas, NV 89104
Phone:
Website: http://www.insuringlasvegas.com
Info:

Brian & Kimsey Insurance

Address: 1431 E Charleston Blvd, #17 Las Vegas, NV 89104
Phone:
Website:
Info:

Housing Demographics for 89104

Population Review for 89104 Zip Code

For the city of Las Vegas, the population within 89104 has increased to over 42,751 residents in population size. The current population total is 41,662. We have broken down the population based on race below. In 89104, there are over 21407 in male population and 20255 females.

PopulationValues
Total Population41,662
White Population13160
Black Population4790
Hispanic Population23333
Asian Population2403
Hawaiian Population188
Indian Population584
Other Population12480
Male Population21407
Female Population20255
Population Estimate42751

Household Data for 89104

The average number of homes in 89104 is around 15,474, there are an average of 2.68 per household. The average house value according to local real estate values is around $219,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,474
Persons Per Household2.68
Average House Value$219,300
Income Per Household$42583
Median Age38.2
Median Age Male37.9
Median Age Female38.5
89104 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code702/725
CityLas Vegas
City Alias NameLAS VEGAS
CountyClark
County FIPS003
State FIPS32
Time Zone8
Day Light SavingY
MSA4120
PMSA
CSA332
CBSA29820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLas Vegas-Henderson-North Las Vegas, NV
MSA_NameLas Vegas, NV-AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1185
Number Of Employees14917
Business First Quarter Payroll162890
Business Annual Payroll695902
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1951269
CBSA Division Population0
Congressional District01|04
Congressional LandArea104.5|50997.97
Delivery Residential15952
Delivery Business1846
Delivery Total23562
Preferred Last Line KeyZ14477
Classification Code
Multi-County
CSA NameLas Vegas-Henderson, NV
CBSA_DIV_Name
City State KeyZ14477
Land Area5.730000
Water Area0.000000
City Alias Code
City Mixed CaseLas Vegas
City Alias Mixed CaseLas Vegas
Box Count0
SFDU8856
MFDU5668
State ANSI32
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number314880
Unique ZIP Name
SSA State County Code29010
Medicare CBSA Code29820
Medicare CBSA NameLas Vegas-Henderson-Paradise, NV
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseClark

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 […]