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89440, NV Home Insurance

In the zip code of 89440, the population size is around 908, which consists of 442 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Virginia City, NV. A few years ago, a study was done and found that the average home insurance rates for Nevada are around $602 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 89440 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Virginia City. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Virginia City, NV Homeowners Insurance Online Rates Today!

89440 Home Insurance Average Premiums

Local 89440 homeowners insurance quotes comparison

$352 /yr.

Shows Zip Code: 89440 lowest rates with discounts applied on average.

For the 89440, 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)
$352 /yr.
Average Coverage:$602 /yr.
2600 sq. ft. or higher
(all discounts applied)
$902 /yr.

What is the average home insurance cost for a home in 89440?

  • • The average homeowners insurance premium paid annually for a home in 89440 is around $602 per year.

What does it cost on average per month for home insurance in 89440?

  • • Homeowners in 89440 pay a monthly average cost per month around $50.00.

What kind of discount could I get if I combine my home and auto insurance together in 89440?

  • • Autoowners in 89440 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 Virginia City area, check out other zip codes nearby 89440.
Review average rates in another zip code:
89440 homeowners insurance rates

Home Replacement Cost Coverage in 89440

Average Building Cost Per Square Foot in 89440: $177

Location: Virginia City, Nevada (Storey County)

Average Square Footage in 89440: 2,008 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89440 before you start any project. Virginia 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 89440 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 89440 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,008 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 Virginia 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1772,008$355,400
Additional Upgrades & Added Features$2212,008$444,250
Major Home Updates or Advancements$2662,008$533,100

It's important to understand that when you estimate your replacement cost of your home in the 89440 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 89440

Best Home & Auto Insurance Agencies in 89440

Housing Demographics for 89440

Population Review for 89440 Zip Code

For the city of Virginia City, the population within 89440 has increased to over 0 residents in population size. The current population total is 908. We have broken down the population based on race below. In 89440, there are over 462 in male population and 446 females.

PopulationValues
Total Population908
White Population803
Black Population3
Hispanic Population36
Asian Population9
Hawaiian Population3
Indian Population16
Other Population11
Male Population462
Female Population446
Population Estimate0

Household Data for 89440

The average number of homes in 89440 is around 442, there are an average of 2.05 per household. The average house value according to local real estate values is around $355,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode442
Persons Per Household2.05
Average House Value$355,400
Income Per Household$116156
Median Age56.4
Median Age Male56.4
Median Age Female56.0
89440 DetailsValues
StateNV
State Full NameNevada
City TypeZ
City Alias Abbreviation
Area Code775
CityVirginia City
City Alias NameVIRGINIA CITY
CountyStorey
County FIPS029
State FIPS32
Time Zone8
Day Light SavingY
MSA
PMSA
CSA456
CBSA39900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameReno, NV
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses67
Number Of Employees404
Business First Quarter Payroll2422
Business Annual Payroll12753
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 Residential0
Delivery Business0
Delivery Total1448
Preferred Last Line KeyZ14679
Classification CodeP
Multi-County
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14679
Land Area12.473000
Water Area0.000000
City Alias Code
City Mixed CaseVirginia City
City Alias Mixed CaseVirginia City
Box Count733
SFDU0
MFDU0
State ANSI32
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number319200
Unique ZIP Name
SSA State County Code29140
Medicare CBSA Code39900
Medicare CBSA NameReno, NV
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseStorey

Nevada Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]