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89436 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 89436? There are over 17,319 occupied homes in the 89436 area. With a population size of 47,393, it's not uncommon for residence of Sparks, NV to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Nevada is around $682 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 89436 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Sparks, NV Home Insurance Rate Quotes

89436 Home Insurance Average Premiums

Local 89436 homeowners insurance quotes comparison

$432 /yr.

Shows Zip Code: 89436 lowest rates with discounts applied on average.

For the 89436, 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)		$432 /yr.
Average Coverage:$682 /yr.
2600 sq. ft. or higher
(all discounts applied)		$982 /yr.

What is the average home insurance cost for a home in 89436?

  • • The average homeowners insurance premium paid annually for a home in 89436 is around $682 per year.

What does it cost on average per month for home insurance in 89436?

  • • Homeowners in 89436 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 89436?

  • • Autoowners in 89436 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 89436.
Review average rates in another zip code:
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89431 homeowners insurance rates
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Home Replacement Cost Coverage in 89436

Average Building Cost Per Square Foot in 89436: $177

Location: Sparks, Nevada (Washoe County)

Average Square Footage in 89436: 2,273 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89436 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 89436 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 89436 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,273 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1772,273$402,300
Additional Upgrades & Added Features$2212,273$502,875
Major Home Updates or Advancements$2662,273$603,450

It's important to understand that when you estimate your replacement cost of your home in the 89436 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 89436

Kveum Insurance

Address: 145 Isidor Court Suite A Sparks, NV 89436
Phone: (775)425-0710
Website:

Best Home & Auto Insurance Agencies in 89436

Brazier- Laurie A - State Farm Insurance Agent

Address: 5275 Vista Blvd Sparks, NV 89436
Phone:
Website:
Info:

Allstate Insurance - Steve Terelak

Address: 1334 Disc Dr Sparks, NV 89436
Phone:
Website:
Info:

Housing Demographics for 89436

Population Review for 89436 Zip Code

For the city of Sparks, the population within 89436 has increased to over 52,279 residents in population size. The current population total is 47,393. We have broken down the population based on race below. In 89436, there are over 23581 in male population and 23812 females.

PopulationValues
Total Population47,393
White Population33135
Black Population1103
Hispanic Population8843
Asian Population3074
Hawaiian Population243
Indian Population578
Other Population3150
Male Population23581
Female Population23812
Population Estimate52279

Household Data for 89436

The average number of homes in 89436 is around 17,319, there are an average of 2.73 per household. The average house value according to local real estate values is around $402,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,319
Persons Per Household2.73
Average House Value$402,300
Income Per Household$97633
Median Age39.5
Median Age Male38.4
Median Age Female40.6
89436 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CitySparks
City Alias NameSPARKS
CountyWashoe
County FIPS031
State FIPS32
Time Zone8
Day Light SavingY
MSA6720
PMSA
CSA456
CBSA39900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameReno, NV
MSA_NameReno, NV MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses528
Number Of Employees5084
Business First Quarter Payroll44726
Business Annual Payroll199477
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 Residential19150
Delivery Business400
Delivery Total19250
Preferred Last Line KeyZ14616
Classification Code
Multi-County
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14616
Land Area42.494000
Water Area0.433000
City Alias Code
City Mixed CaseSparks
City Alias Mixed CaseSparks
Box Count0
SFDU3166
MFDU1955
State ANSI32
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number318240
Unique ZIP Name
SSA State County Code29150
Medicare CBSA Code39900
Medicare CBSA NameReno, NV
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseWashoe

Nevada Homeowners Insurance News & Information

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