Get multiple home insurance quotes in 89318. Our licensed 89318, NV agents are ready to serve you.

89318 Home Insurance Rates & Premiums

Did you know there are over 1,035 people living within the 89318 zip code area? There are over 456 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 89318.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Nevada are on the rise. The estimated average premium is around $598 a year for a standard homeowners insurance policy in Mc Gill. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Mc Gill, NV Homeowners Insurance Quotes Online

89318 Home Insurance Average Premiums

Local 89318 homeowners insurance quotes comparison

$348 /yr.

Shows Zip Code: 89318 lowest rates with discounts applied on average.

For the 89318, 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)		$348 /yr.
Average Coverage:$598 /yr.
2600 sq. ft. or higher
(all discounts applied)		$898 /yr.

What is the average home insurance cost for a home in 89318?

  • • The average homeowners insurance premium paid annually for a home in 89318 is around $598 per year.

What does it cost on average per month for home insurance in 89318?

  • • Homeowners in 89318 pay a monthly average cost per month around $50.00.

What kind of discount could I get if I combine my home and auto insurance together in 89318?

  • • Autoowners in 89318 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 Mc Gill area, check out other zip codes nearby 89318.
Review average rates in another zip code:
89318 homeowners insurance rates

Home Replacement Cost Coverage in 89318

Average Building Cost Per Square Foot in 89318: $177

Location: Mc Gill, Nevada (White Pine County)

Average Square Footage in 89318: 664 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89318 before you start any project. Mc Gill 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 89318 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 89318 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 664 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 Mc Gill 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$177664$117,600
Additional Upgrades & Added Features$221664$147,000
Major Home Updates or Advancements$266664$176,400

It's important to understand that when you estimate your replacement cost of your home in the 89318 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 89318

Best Home & Auto Insurance Agencies in 89318

Housing Demographics for 89318

Population Review for 89318 Zip Code

For the city of Mc Gill, the population within 89318 has increased to over 0 residents in population size. The current population total is 1,035. We have broken down the population based on race below. In 89318, there are over 530 in male population and 505 females.

PopulationValues
Total Population1,035
White Population850
Black Population22
Hispanic Population118
Asian Population9
Hawaiian Population4
Indian Population23
Other Population20
Male Population530
Female Population505
Population Estimate0

Household Data for 89318

The average number of homes in 89318 is around 456, there are an average of 2.27 per household. The average house value according to local real estate values is around $117,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode456
Persons Per Household2.27
Average House Value$117,600
Income Per Household$45378
Median Age45.4
Median Age Male44.2
Median Age Female46.5
89318 DetailsValues
StateNV
State Full NameNevada
City TypeZ
City Alias Abbreviation
Area Code775
CityMc Gill
City Alias NameMC GILL
CountyWhite Pine
County FIPS033
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 Businesses5
Number Of Employees18
Business First Quarter Payroll96
Business Annual Payroll442
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 District02
Congressional LandArea55829.71
Delivery Residential0
Delivery Business0
Delivery Total564
Preferred Last Line KeyZ14499
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14499
Land Area36.348000
Water Area0.359000
City Alias Code
City Mixed CaseMc Gill
City Alias Mixed CaseMc Gill
Box Count534
SFDU0
MFDU0
State ANSI32
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number315440
Unique ZIP Name
SSA State County Code29160
Medicare CBSA Code99929
Medicare CBSA NameRural Areas in NV
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseWhite Pine

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 […]