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89428 Home Insurance Rates
Getting multiple homeowners insurance rates in 89428 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Silver City, NV. Many homeowners based out of the 89428 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Nevada licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 89428 should appear in the zip code field ready to go. For Silver City, NV Home Insurance Quotes, Click to easily get started!
89428 Homeowners Insurance Rates, Average Rating: Very Low!
Your homeowners insurance policy in 89428 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Silver City. For a basic HO-3, standard homeowners policy, the average premium per year in Nevada is around $633. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 89428 zip code today and let us help you save time and money on your homeowners insurance premium.
89428 Home Insurance Average Premiums
$383 /yr.
Shows Zip Code: 89428 lowest rates with discounts applied on average.
For the 89428, 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) | $383 /yr. |
| Average Coverage: | $633 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $933 /yr. |
What is the average home insurance cost for a home in 89428?
- • The average homeowners insurance premium paid annually for a home in 89428 is around $633 per year.
What does it cost on average per month for home insurance in 89428?
- • Homeowners in 89428 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 89428?
- • Autoowners in 89428 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 Silver City area, check out other zip codes nearby 89428.
Review average rates in another zip code:
89428 homeowners insurance rates
Home Replacement Cost Coverage in 89428
Average Building Cost Per Square Foot in 89428: $177
Location: Silver City, Nevada (Lyon County)Average Square Footage in 89428: 2,109 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 89428 before you start any project. Silver City 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 89428 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 89428 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,109 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 Silver City 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 | 2,109 | $373,300 |
| Additional Upgrades & Added Features | $221 | 2,109 | $466,625 |
| Major Home Updates or Advancements | $266 | 2,109 | $559,950 |
It's important to understand that when you estimate your replacement cost of your home in the 89428 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 89428
Best Home & Auto Insurance Agencies in 89428
Housing Demographics for 89428
Population Review for 89428 Zip Code
For the city of Silver City, the population within 89428 has increased to over 0 residents in population size. The current population total is 160. We have broken down the population based on race below. In 89428, there are over 83 in male population and 77 females.
| Population | Values |
|---|---|
| Total Population | 160 |
| White Population | 149 |
| Black Population | 0 |
| Hispanic Population | 9 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 1 |
| Male Population | 83 |
| Female Population | 77 |
| Population Estimate | 0 |
Household Data for 89428
The average number of homes in 89428 is around 86, there are an average of 1.86 per household. The average house value according to local real estate values is around $373,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 86 |
| Persons Per Household | 1.86 |
| Average House Value | $373,300 |
| Income Per Household | $85341 |
| Median Age | 61.3 |
| Median Age Male | 59.5 |
| Median Age Female | 65.6 |
| 89428 Details | Values |
|---|---|
| State | NV |
| State Full Name | Nevada |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 775 |
| City | Silver City |
| City Alias Name | SILVER CITY |
| County | Lyon |
| County FIPS | 019 |
| State FIPS | 32 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 456 |
| CBSA | 39900 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Reno, NV |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 425417 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 55829.71 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 163 |
| Preferred Last Line Key | Z14604 |
| Classification Code | P |
| Multi-County | |
| CSA Name | Reno-Carson City-Gardnerville Ranchos, NV-CA |
| CBSA_DIV_Name | |
| City State Key | Z14604 |
| Land Area | 1.534000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Silver City |
| City Alias Mixed Case | Silver City |
| Box Count | 155 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 32 |
| County ANSI | 019 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 317920 |
| Unique ZIP Name | |
| SSA State County Code | 29090 |
| Medicare CBSA Code | 99929 |
| Medicare CBSA Name | Rural Areas in NV |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Lyon |
Nevada Homeowners Insurance News & Information
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Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]