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Home Insurance Rates in 89509

For homeowners shopping online in 89509, our insurance rates are very competitive for homeowners living in Reno, NV. Many homeowners based out of the great city of Reno 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. Plus, our home insurance quotes are free and our Nevada licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 89509, simply click the "Get Multiple Quotes Now" button. Your 89509 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Reno, NV Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

89509 Home Insurance Rating is: Very Low!

If you live in 89509, you can easily save up to 40% off the average home insurance premium of $636 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Reno can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 89509 today!

Get Multiple Home Insurance Rates in 89509!

89509 Home Insurance Average Premiums

Local 89509 homeowners insurance quotes comparison

$386 /yr.

Shows Zip Code: 89509 lowest rates with discounts applied on average.

For the 89509, 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)		$386 /yr.
Average Coverage:$636 /yr.
2600 sq. ft. or higher
(all discounts applied)		$936 /yr.

What is the average home insurance cost for a home in 89509?

  • • The average homeowners insurance premium paid annually for a home in 89509 is around $636 per year.

What does it cost on average per month for home insurance in 89509?

  • • Homeowners in 89509 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 89509?

  • • Autoowners in 89509 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 Reno area, check out other zip codes nearby 89509.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 89509

Average Building Cost Per Square Foot in 89509: $177

Location: Reno, Nevada (Washoe County)

Average Square Footage in 89509: 2,827 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89509 before you start any project. Reno 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 89509 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 89509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,827 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 Reno 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$1772,827$500,400
Additional Upgrades & Added Features$2212,827$625,500
Major Home Updates or Advancements$2662,827$750,600

It's important to understand that when you estimate your replacement cost of your home in the 89509 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 89509

Farmers Insurance Group

Address: 1104 California Avenue Reno, NV 89509
Phone: (775)323-0083
Website: www.farmers.com

Allstate Insurance - Gene L Gardella

Address: 575 Forest St St #208 Reno, NV 89509
Phone: (775)786-2288
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=14783

Allstate Insurance - Cindy Welch

Address: 1000 Caughlin Crossing #30 Reno, NV 89509
Phone: (775)787-0237
Website:

Best Home & Auto Insurance Agencies in 89509

Chang- Donald A - State Farm Insurance Agent

Address: 3705 Lakeside Dr Reno, NV 89509
Phone:
Website: http://www.donchang.net
Info:

Allstate Insurance Company - Gene L Gardella

Address: 757 Forest St Reno, NV 89509
Phone:
Website: http://www.allstateagencies.com/050175?cid=OTC-YP.com-IYP&att=TL
Info:

Farmers Insurance Group

Address: 421 W Plumb Ln Reno, NV 89509
Phone:
Website:
Info:

Allstate Insurance - Gene L Gardella

Address: 575 Forest St, #208 Reno, NV 89509
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=14783
Info:

Newmarker- Michael J

Address: 255 W Moana Ln Reno, NV 89509
Phone:
Website:
Info:

Housing Demographics for 89509

Population Review for 89509 Zip Code

For the city of Reno, the population within 89509 has increased to over 34,910 residents in population size. The current population total is 34,817. We have broken down the population based on race below. In 89509, there are over 17152 in male population and 17665 females.

PopulationValues
Total Population34,817
White Population26142
Black Population672
Hispanic Population5199
Asian Population1753
Hawaiian Population191
Indian Population300
Other Population1955
Male Population17152
Female Population17665
Population Estimate34910

Household Data for 89509

The average number of homes in 89509 is around 16,504, there are an average of 2.10 per household. The average house value according to local real estate values is around $500,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,504
Persons Per Household2.10
Average House Value$500,400
Income Per Household$68248
Median Age43.4
Median Age Male42.5
Median Age Female44.5
89509 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CityReno
City Alias NameRENO
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 Businesses1186
Number Of Employees12514
Business First Quarter Payroll137226
Business Annual Payroll622651
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 Residential16624
Delivery Business1223
Delivery Total20747
Preferred Last Line KeyZ14578
Classification Code
Multi-County
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14578
Land Area8.823000
Water Area0.032000
City Alias Code
City Mixed CaseReno
City Alias Mixed CaseReno
Box Count0
SFDU10017
MFDU3072
State ANSI32
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number317280
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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