Get multiple home insurance quotes in 89423. Our licensed 89423, NV agents are ready to serve you.

89423 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 89423? Our rates are very competitive for homeowners living in Minden, NV. Many homeowners based out of your 89423 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Nevada licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 89423 should appear in the zip code field ready to go. For Minden, NV Home Insurance Rate Quotes click to review the best rates and service online!

89423 Average Premium is Rated: Very Low!

Homeowners living in 89423 can easily save up to 40% off the average home insurance premium of $625 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Minden that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 89423 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 89423!

89423 Home Insurance Average Premiums

Local 89423 homeowners insurance quotes comparison

$375 /yr.

Shows Zip Code: 89423 lowest rates with discounts applied on average.

For the 89423, 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)
$375 /yr.
Average Coverage:$625 /yr.
2600 sq. ft. or higher
(all discounts applied)
$925 /yr.

What is the average home insurance cost for a home in 89423?

  • • The average homeowners insurance premium paid annually for a home in 89423 is around $625 per year.

What does it cost on average per month for home insurance in 89423?

  • • Homeowners in 89423 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 89423?

  • • Autoowners in 89423 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 Minden area, check out other zip codes nearby 89423.
Review average rates in another zip code:
89423 homeowners insurance rates

Home Replacement Cost Coverage in 89423

Average Building Cost Per Square Foot in 89423: $177

Location: Minden, Nevada (Douglas County)

Average Square Footage in 89423: 2,779 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89423 before you start any project. Minden 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 89423 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 89423 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,779 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 Minden 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$1772,779$491,800
Additional Upgrades & Added Features$2212,779$614,750
Major Home Updates or Advancements$2662,779$737,700

It's important to understand that when you estimate your replacement cost of your home in the 89423 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 89423

Best Home & Auto Insurance Agencies in 89423

Raker Ins Agcy Inc - State Farm Insurance Agent

Address: 1701 County Rd Minden, NV 89423
Phone:
Website:
Info:

Farmers Insurance

Address: 1650 Us Highway 395 N Minden, NV 89423
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,

Housing Demographics for 89423

Population Review for 89423 Zip Code

For the city of Minden, the population within 89423 has increased to over 11,407 residents in population size. The current population total is 11,050. We have broken down the population based on race below. In 89423, there are over 5400 in male population and 5650 females.

PopulationValues
Total Population11,050
White Population9453
Black Population37
Hispanic Population981
Asian Population189
Hawaiian Population13
Indian Population115
Other Population271
Male Population5400
Female Population5650
Population Estimate11407

Household Data for 89423

The average number of homes in 89423 is around 4,718, there are an average of 2.34 per household. The average house value according to local real estate values is around $491,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,718
Persons Per Household2.34
Average House Value$491,800
Income Per Household$88953
Median Age57.8
Median Age Male57.0
Median Age Female58.4
89423 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CityMinden
City Alias NameMINDEN
CountyDouglas
County FIPS005
State FIPS32
Time Zone8
Day Light SavingY
MSA
PMSA
CSA456
CBSA23820
CBSA_DIV
CBSA_TypeMicro
CBSA_NameGardnerville Ranchos, NV-CA
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses435
Number Of Employees4855
Business First Quarter Payroll64117
Business Annual Payroll276811
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population46997
CBSA Division Population0
Congressional District02
Congressional LandArea55829.71
Delivery Residential4875
Delivery Business524
Delivery Total6424
Preferred Last Line KeyZ14509
Classification Code
Multi-County
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14509
Land Area74.869000
Water Area0.259000
City Alias Code
City Mixed CaseMinden
City Alias Mixed CaseMinden
Box Count860
SFDU756
MFDU2
State ANSI32
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number315840
Unique ZIP Name
SSA State County Code29020
Medicare CBSA Code99929
Medicare CBSA NameRural Areas in NV
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseDouglas

Nevada Homeowners Insurance News & Information

  • 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 […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    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 […]