Get multiple home insurance quotes in 89403. Our licensed 89403, NV agents are ready to serve you.

89403 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 89403 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Dayton, NV. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 89403 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Nevada, like average Dayton homeowners insurance rates, coverage options or home insurance types, please select Dayton, NV Home Insurance Rates Online!

89403 Home Insurance Average Premiums

Local 89403 homeowners insurance quotes comparison

$380 /yr.

Shows Zip Code: 89403 lowest rates with discounts applied on average.

For the 89403, 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)
$380 /yr.
Average Coverage:$630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$930 /yr.

What is the average home insurance cost for a home in 89403?

  • • The average homeowners insurance premium paid annually for a home in 89403 is around $630 per year.

What does it cost on average per month for home insurance in 89403?

  • • Homeowners in 89403 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 89403?

  • • Autoowners in 89403 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 Dayton area, check out other zip codes nearby 89403.
Review average rates in another zip code:
89403 homeowners insurance rates

Home Replacement Cost Coverage in 89403

Average Building Cost Per Square Foot in 89403: $177

Location: Dayton, Nevada (Lyon County)

Average Square Footage in 89403: 1,680 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89403 before you start any project. Dayton 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 89403 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 89403 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,680 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 Dayton 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$1771,680$297,400
Additional Upgrades & Added Features$2211,680$371,750
Major Home Updates or Advancements$2661,680$446,100

It's important to understand that when you estimate your replacement cost of your home in the 89403 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 89403

U.S. Attorney Guide Office

Address: 90 Wells Fargo Ave. POBox 86 Dayton, NV 89403
Phone: (775)241-7315
Website:

Best Home & Auto Insurance Agencies in 89403

Housing Demographics for 89403

Population Review for 89403 Zip Code

For the city of Dayton, the population within 89403 has increased to over 18,347 residents in population size. The current population total is 16,824. We have broken down the population based on race below. In 89403, there are over 8484 in male population and 8340 females.

PopulationValues
Total Population16,824
White Population13057
Black Population87
Hispanic Population2784
Asian Population304
Hawaiian Population46
Indian Population241
Other Population1184
Male Population8484
Female Population8340
Population Estimate18347

Household Data for 89403

The average number of homes in 89403 is around 6,548, there are an average of 2.57 per household. The average house value according to local real estate values is around $297,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,548
Persons Per Household2.57
Average House Value$297,400
Income Per Household$73574
Median Age46.5
Median Age Male45.3
Median Age Female47.6
89403 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CityDayton
City Alias NameDAYTON
CountyLyon
County FIPS019
State FIPS32
Time Zone8
Day Light SavingY
MSA
PMSA
CSA456
CBSA39900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameReno, NV
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses177
Number Of Employees1349
Business First Quarter Payroll10747
Business Annual Payroll49843
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population425417
CBSA Division Population0
Congressional District02
Congressional LandArea55829.71
Delivery Residential7139
Delivery Business159
Delivery Total7941
Preferred Last Line KeyZ14376
Classification Code
Multi-CountyY
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14376
Land Area161.951000
Water Area0.058000
City Alias Code
City Mixed CaseDayton
City Alias Mixed CaseDayton
Box Count550
SFDU965
MFDU63
State ANSI32
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number311920
Unique ZIP Name
SSA State County Code29090
Medicare CBSA Code99929
Medicare CBSA NameRural Areas in NV
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseLyon

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 […]