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89705 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 89705? There are over 2,086 occupied homes in the 89705 area. With a population size of 5,266, it's not uncommon for residence of Carson City, 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 $582 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 89705 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: Carson City, NV Home Insurance Rate Quotes

89705 Home Insurance Average Premiums

Local 89705 homeowners insurance quotes comparison

$332 /yr.

Shows Zip Code: 89705 lowest rates with discounts applied on average.

For the 89705, 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)		$332 /yr.
Average Coverage:$582 /yr.
2600 sq. ft. or higher
(all discounts applied)		$882 /yr.

What is the average home insurance cost for a home in 89705?

  • • The average homeowners insurance premium paid annually for a home in 89705 is around $582 per year.

What does it cost on average per month for home insurance in 89705?

  • • Homeowners in 89705 pay a monthly average cost per month around $49.00.

What kind of discount could I get if I combine my home and auto insurance together in 89705?

  • • Autoowners in 89705 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 Carson City area, check out other zip codes nearby 89705.
Review average rates in another zip code:
89706 homeowners insurance rates
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89701 homeowners insurance rates
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Home Replacement Cost Coverage in 89705

Average Building Cost Per Square Foot in 89705: $177

Location: Carson City, Nevada (Douglas County)

Average Square Footage in 89705: 1,940 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89705 before you start any project. Carson 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 89705 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 89705 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,940 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 Carson 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$1771,940$343,300
Additional Upgrades & Added Features$2211,940$429,125
Major Home Updates or Advancements$2661,940$514,950

It's important to understand that when you estimate your replacement cost of your home in the 89705 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 89705

Best Home & Auto Insurance Agencies in 89705

Housing Demographics for 89705

Population Review for 89705 Zip Code

For the city of Carson City, the population within 89705 has increased to over 5,796 residents in population size. The current population total is 5,266. We have broken down the population based on race below. In 89705, there are over 2658 in male population and 2608 females.

PopulationValues
Total Population5,266
White Population3857
Black Population70
Hispanic Population1154
Asian Population146
Hawaiian Population18
Indian Population101
Other Population488
Male Population2658
Female Population2608
Population Estimate5796

Household Data for 89705

The average number of homes in 89705 is around 2,086, there are an average of 2.52 per household. The average house value according to local real estate values is around $343,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,086
Persons Per Household2.52
Average House Value$343,300
Income Per Household$71602
Median Age46.6
Median Age Male46.5
Median Age Female46.6
89705 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CityCarson City
City Alias NameCARSON CITY
CountyDouglas
County FIPS005
State FIPS32
Time Zone8
Day Light SavingY
MSA
PMSA
CSA456
CBSA23820
CBSA_DIV
CBSA_TypeMicro
CBSA_NameGardnerville Ranchos, NV-CA
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses121
Number Of Employees2027
Business First Quarter Payroll16013
Business Annual Payroll69826
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population46997
CBSA Division Population0
Congressional District02
Congressional LandArea55829.71
Delivery Residential2300
Delivery Business106
Delivery Total2657
Preferred Last Line KeyZ14342
Classification Code
Multi-County
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14342
Land Area23.201000
Water Area0.000000
City Alias Code
City Mixed CaseCarson City
City Alias Mixed CaseCarson City
Box Count0
SFDU1022
MFDU81
State ANSI32
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number311360
Unique ZIP Name
SSA State County Code29020
Medicare CBSA Code99929
Medicare CBSA NameRural Areas in NV
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseDouglas

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 […]