Compare quotes for your home in 89410! Compare the best 12 carriers in minutes.
Shop for Home Insurance in 89410 right now!
If you live in the 89410 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Gardnerville have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our NV licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 89410 and then compare quotes from a variety of nationwide insurance companies.
89410 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 89410 the average premium for homeowners coverage is $538 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 89410. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
Get Free Home Insurance Quotes in 89410 Today!
We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Gardnerville, NV home insurance quotes in your area.
89410 Home Insurance Average Premiums
$288 /yr.
Shows Zip Code: 89410 lowest rates with discounts applied on average.
For the 89410, 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) | $288 /yr. |
| Average Coverage: | $538 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $838 /yr. |
What is the average home insurance cost for a home in 89410?
- • The average homeowners insurance premium paid annually for a home in 89410 is around $538 per year.
What does it cost on average per month for home insurance in 89410?
- • Homeowners in 89410 pay a monthly average cost per month around $45.00.
What kind of discount could I get if I combine my home and auto insurance together in 89410?
- • Autoowners in 89410 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 Gardnerville area, check out other zip codes nearby 89410.
Review average rates in another zip code:
89460 homeowners insurance rates
89410 homeowners insurance rates
Home Replacement Cost Coverage in 89410
Average Building Cost Per Square Foot in 89410: $177
Location: Gardnerville, Nevada (Douglas County)Average Square Footage in 89410: 2,392 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 89410 before you start any project. Gardnerville 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 89410 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 89410 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,392 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 Gardnerville 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $177 | 2,392 | $423,400 |
| Additional Upgrades & Added Features | $221 | 2,392 | $529,250 |
| Major Home Updates or Advancements | $266 | 2,392 | $635,100 |
It's important to understand that when you estimate your replacement cost of your home in the 89410 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 89410
Best Home & Auto Insurance Agencies in 89410
Scott Jr- John P - State Farm Insurance Agent
Address: 1476 Us Highway 395 N Gardnerville, NV 89410Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Housing Demographics for 89410
Population Review for 89410 Zip Code
For the city of Gardnerville, the population within 89410 has increased to over 11,018 residents in population size. The current population total is 11,169. We have broken down the population based on race below. In 89410, there are over 5447 in male population and 5722 females.
| Population | Values |
|---|---|
| Total Population | 11,169 |
| White Population | 9108 |
| Black Population | 39 |
| Hispanic Population | 1454 |
| Asian Population | 230 |
| Hawaiian Population | 14 |
| Indian Population | 180 |
| Other Population | 607 |
| Male Population | 5447 |
| Female Population | 5722 |
| Population Estimate | 11018 |
Household Data for 89410
The average number of homes in 89410 is around 4,921, there are an average of 2.24 per household. The average house value according to local real estate values is around $423,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,921 |
| Persons Per Household | 2.24 |
| Average House Value | $423,400 |
| Income Per Household | $73100 |
| Median Age | 53.6 |
| Median Age Male | 51.7 |
| Median Age Female | 55.0 |
| 89410 Details | Values |
|---|---|
| State | NV |
| State Full Name | Nevada |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 775 |
| City | Gardnerville |
| City Alias Name | GARDNERVILLE |
| County | Douglas |
| County FIPS | 005 |
| State FIPS | 32 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 456 |
| CBSA | 23820 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Gardnerville Ranchos, NV-CA |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 427 |
| Number Of Employees | 3496 |
| Business First Quarter Payroll | 32941 |
| Business Annual Payroll | 149132 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 46997 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 55829.71 |
| Delivery Residential | 4919 |
| Delivery Business | 431 |
| Delivery Total | 6057 |
| Preferred Last Line Key | Z14419 |
| Classification Code | |
| Multi-County | |
| CSA Name | Reno-Carson City-Gardnerville Ranchos, NV-CA |
| CBSA_DIV_Name | |
| City State Key | Z14419 |
| Land Area | 231.165000 |
| Water Area | 1.704000 |
| City Alias Code | |
| City Mixed Case | Gardnerville |
| City Alias Mixed Case | Gardnerville |
| Box Count | 718 |
| SFDU | 377 |
| MFDU | 156 |
| State ANSI | 32 |
| County ANSI | 005 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 313200 |
| Unique ZIP Name | |
| SSA State County Code | 29020 |
| Medicare CBSA Code | 99929 |
| Medicare CBSA Name | Rural Areas in NV |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Douglas |
Nevada Homeowners Insurance News & Information
-
$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 […]
-
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
-
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]