89434 Home Insurance Rates & Premiums

Did you know there are over 28,154 people living within the 89434 zip code area? There are over 11,199 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:

We will shop up to 12 home insurance companies for free.
We will apply all discounts and credits to help you save up to 40% or more.
We will answer any questions that you may.
We will review the best policy and coverage option in 89434.

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 $558 a year for a standard homeowners insurance policy in Sparks. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Sparks, NV Homeowners Insurance Quotes Online

89434 Home Insurance Average Premiums

Local 89434 homeowners insurance quotes comparison

$308 /yr.

Shows Zip Code: 89434 lowest rates with discounts applied on average.

For the 89434, 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)	$308 /yr.
Average Coverage:	$558 /yr.
2600 sq. ft. or higher (all discounts applied)	$858 /yr.

What is the average home insurance cost for a home in 89434?

• The average homeowners insurance premium paid annually for a home in 89434 is around $558 per year.

What does it cost on average per month for home insurance in 89434?

• Homeowners in 89434 pay a monthly average cost per month around $47.00.

What kind of discount could I get if I combine my home and auto insurance together in 89434?

• Autoowners in 89434 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 Sparks area, check out other zip codes nearby 89434.
Review average rates in another zip code:
89431 homeowners insurance rates
89436 homeowners insurance rates
89434 homeowners insurance rates
89441 homeowners insurance rates

Home Replacement Cost Coverage in 89434

Average Building Cost Per Square Foot in 89434: $177

Location: Sparks, Nevada (Washoe County)

Average Square Footage in 89434: 1,861 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89434 before you start any project. Sparks 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 89434 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 89434 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,861 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 Sparks 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	1,861	$329,400
Additional Upgrades & Added Features	$221	1,861	$411,750
Major Home Updates or Advancements	$266	1,861	$494,100

Calculate Your Dwelling Coverage in 89434

It's important to understand that when you estimate your replacement cost of your home in the 89434 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 Home & Auto Insurance Agencies in 89434

Jensby- Catherine S - State Farm Insurance Agent

Address: 1450 E Prater Way, #111 Sparks, NV 89434
Phone:
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

Irwin- Joanna - State Farm Insurance Agent

Address: 1331 Baring Blvd Sparks, NV 89434
Phone:
Website:
Info:

Housing Demographics for 89434

Population Review for 89434 Zip Code

For the city of Sparks, the population within 89434 has increased to over 29,070 residents in population size. The current population total is 28,154. We have broken down the population based on race below. In 89434, there are over 13965 in male population and 14189 females.

Population	Values
Total Population	28,154
White Population	17965
Black Population	743
Hispanic Population	6983
Asian Population	2019
Hawaiian Population	292
Indian Population	399
Other Population	3087
Male Population	13965
Female Population	14189
Population Estimate	29070

Household Data for 89434

The average number of homes in 89434 is around 11,199, there are an average of 2.50 per household. The average house value according to local real estate values is around $329,400. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	11,199
Persons Per Household	2.50
Average House Value	$329,400
Income Per Household	$73196
Median Age	38.4
Median Age Male	36.6
Median Age Female	40.5

89434 Details	Values
State	NV
State Full Name	Nevada
City Type	P
City Alias Abbreviation
Area Code	775
City	Sparks
City Alias Name	SPARKS
County	Washoe
County FIPS	031
State FIPS	32
Time Zone	8
Day Light Saving	Y
MSA	6720
PMSA
CSA	456
CBSA	39900
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Reno, NV
MSA_Name	Reno, NV MSA
PMSA_Name
Region	West
Division	Mountain
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	512
Number Of Employees	20757
Business First Quarter Payroll	347578
Business Annual Payroll	1386322
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	11628
Delivery Business	487
Delivery Total	13198
Preferred Last Line Key	Z14616
Classification Code
Multi-County	Y
CSA Name	Reno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State Key	Z14616
Land Area	125.457000
Water Area	0.462000
City Alias Code
City Mixed Case	Sparks
City Alias Mixed Case	Sparks
Box Count	0
SFDU	6011
MFDU	2754
State ANSI	32
County ANSI	031
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	318240
Unique ZIP Name
SSA State County Code	29150
Medicare CBSA Code	39900
Medicare CBSA Name	Reno, NV
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Washoe

Nevada Homeowners Insurance News & Information

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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 […]

Home Insurance Quotes in 89434!