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Find the Best Home Insurance Rates in 89145

Shopping for homeowners insurance in 89145 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Las Vegas, NV and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Nevada licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 89145 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 89145

Find Las Vegas, NV Homeowners Insurance Quotes to review the best coverage options in your area.

89145 Home Insurance Rating is: very low!

In 89145 the average premium is $673. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 89145, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 89145!

89145 Home Insurance Average Premiums

Local 89145 homeowners insurance quotes comparison

$423 /yr.

Shows Zip Code: 89145 lowest rates with discounts applied on average.

For the 89145, 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)
$423 /yr.
Average Coverage:$673 /yr.
2600 sq. ft. or higher
(all discounts applied)
$973 /yr.

What is the average home insurance cost for a home in 89145?

  • • The average homeowners insurance premium paid annually for a home in 89145 is around $673 per year.

What does it cost on average per month for home insurance in 89145?

  • • Homeowners in 89145 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 89145?

  • • Autoowners in 89145 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 89145.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 89145

Average Building Cost Per Square Foot in 89145: $177

Location: Las Vegas, Nevada (Clark County)

Average Square Footage in 89145: 1,495 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89145 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 89145 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 89145 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,495 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$1771,495$264,600
Additional Upgrades & Added Features$2211,495$330,750
Major Home Updates or Advancements$2661,495$396,900

It's important to understand that when you estimate your replacement cost of your home in the 89145 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 89145

Advance Insurance

Address: 222 South Rainbow Boulevard Las Vegas, NV 89145
Phone: (702)254-6141
Website: www.advanceautoinsurance.com

Best Home & Auto Insurance Agencies in 89145

Advance Insurance

Address: 222 S Rainbow Blvd Las Vegas, NV 89145
Phone:
Website: http://www.advanceautoinsurance.com
Info:

Dye Doug Insurance

Address: 1081 S Cimarron Rd Las Vegas, NV 89145
Phone:
Website: http://www.american-best.com
Info:

Toni M. Davis-Petrelli

Address: 450 S Buffalo Dr Las Vegas, NV 89145
Phone:
Website:
Info:

Farmers Insurance

Address: 6900 Westcliff Dr, #106 Las Vegas, NV 89145
Phone:
Website: http://www.farmers.com
Info: Auto Insurance Quotes | Home, Life & Car Insurance | Farmers Insurance
Home, life and auto insurance quotes from Farmers Insurance Group. With discounts on car insurance and fast claim service its no wonder over 4000 customers a day switch to Farmers. Farmers Insurance group, auto insurance quotes, car insurance, auto insurance, automobile insurance, rate quote, business insurance, financial insurance, home insurance, mutual funds, life insurance, motorcycle insurance, farmers agent, renters insurance,

Citsay- Mark D

Address: 204 S Rainbow Blvd Las Vegas, NV 89145
Phone:
Website:
Info:

Housing Demographics for 89145

Population Review for 89145 Zip Code

For the city of Las Vegas, the population within 89145 has increased to over 26,603 residents in population size. The current population total is 24,886. We have broken down the population based on race below. In 89145, there are over 12164 in male population and 12722 females.

PopulationValues
Total Population24,886
White Population13181
Black Population2193
Hispanic Population6887
Asian Population2218
Hawaiian Population184
Indian Population275
Other Population3117
Male Population12164
Female Population12722
Population Estimate26603

Household Data for 89145

The average number of homes in 89145 is around 10,004, there are an average of 2.49 per household. The average house value according to local real estate values is around $264,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,004
Persons Per Household2.49
Average House Value$264,600
Income Per Household$66612
Median Age42.7
Median Age Male41.2
Median Age Female43.9
89145 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code702
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 Businesses677
Number Of Employees7583
Business First Quarter Payroll86034
Business Annual Payroll399276
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 District03|04
Congressional LandArea2848.99|50997.97
Delivery Residential10684
Delivery Business444
Delivery Total17141
Preferred Last Line KeyZ14477
Classification Code
Multi-County
CSA NameLas Vegas-Henderson, NV
CBSA_DIV_Name
City State KeyZ14477
Land Area4.242000
Water Area0.000000
City Alias Code
City Mixed CaseLas Vegas
City Alias Mixed CaseLas Vegas
Box Count0
SFDU3426
MFDU2229
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

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    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]