Homeowners Insurance in 89108

Getting the most affordable home insurance rates in 89108 just got easier for Las Vegas, NV home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Las Vegas. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Las Vegas, NV Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 89108

When discussing Nevada homeowners insurance rates, Las Vegas residents are finding new ways to save time and money by discovering lower rates when they shop online. Nevada may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 47. Residents that live within the 89108 zipcode are currently paying $584 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Las Vegas does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

Average Building Cost Per Square Foot in 89108: $177

Average Square Footage in 89108: 1,298 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89108 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 89108 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 89108 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,298 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.

It's important to understand that when you estimate your replacement cost of your home in the 89108 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.

Allstate Insurance - Carlos Lee

Allstate Insurance

Walker- Luria L

Allstate Insurance - Carlos Lee

Vitiello Jr- Francesco

American Family Insurance West of I 15 Mourey RAJA

Household Data for 89108

The average number of homes in 89108 is around 26,188, there are an average of 2.80 per household. The average house value according to local real estate values is around $229,800. Please review the following demographics below for average income and media age.

• Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

  Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

• Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

  As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]