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84085 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 84085? There are over 153 occupied homes in the 84085 area. With a population size of 419, it's not uncommon for residence of Whiterocks, UT to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Utah is around $599 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 84085 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: Whiterocks, UT Home Insurance Rate Quotes

84085 Home Insurance Average Premiums

Local 84085 homeowners insurance quotes comparison

$349 /yr.

Shows Zip Code: 84085 lowest rates with discounts applied on average.

For the 84085, 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)		$349 /yr.
Average Coverage:$599 /yr.
2600 sq. ft. or higher
(all discounts applied)		$899 /yr.

What is the average home insurance cost for a home in 84085?

  • • The average homeowners insurance premium paid annually for a home in 84085 is around $599 per year.

What does it cost on average per month for home insurance in 84085?

  • • Homeowners in 84085 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 84085?

  • • Autoowners in 84085 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 Whiterocks area, check out other zip codes nearby 84085.
Review average rates in another zip code:
84085 homeowners insurance rates

Home Replacement Cost Coverage in 84085

Average Building Cost Per Square Foot in 84085: $189

Location: Whiterocks, Utah (Uintah County)

Average Square Footage in 84085: 799 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 84085 before you start any project. Whiterocks homeowners pay on average around $189 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 84085 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 84085 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 799 sq. ft. and the average cost to rebuild the home in this area is around $189 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 Whiterocks 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$189799$151,000
Additional Upgrades & Added Features$236799$188,750
Major Home Updates or Advancements$284799$226,500

It's important to understand that when you estimate your replacement cost of your home in the 84085 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 84085

Best Home & Auto Insurance Agencies in 84085

Housing Demographics for 84085

Population Review for 84085 Zip Code

For the city of Whiterocks, the population within 84085 has increased to over 106 residents in population size. The current population total is 419. We have broken down the population based on race below. In 84085, there are over 200 in male population and 219 females.

PopulationValues
Total Population419
White Population113
Black Population0
Hispanic Population9
Asian Population0
Hawaiian Population0
Indian Population280
Other Population3
Male Population200
Female Population219
Population Estimate106

Household Data for 84085

The average number of homes in 84085 is around 153, there are an average of 2.74 per household. The average house value according to local real estate values is around $151,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode153
Persons Per Household2.74
Average House Value$151,000
Income Per Household$67500
Median Age30.4
Median Age Male30.1
Median Age Female34.2
84085 DetailsValues
StateUT
State Full NameUtah
City TypeP
City Alias Abbreviation
Area Code435
CityWhiterocks
City Alias NameWHITEROCKS
CountyUintah
County FIPS047
State FIPS49
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA46860
CBSA_DIV
CBSA_TypeMicro
CBSA_NameVernal, UT
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees4
Business First Quarter Payroll12
Business Annual Payroll46
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population32588
CBSA Division Population0
Congressional District03
Congressional LandArea20070.54
Delivery Residential39
Delivery Business1
Delivery Total3709
Preferred Last Line KeyZ16391
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16391
Land Area97.116000
Water Area0.392000
City Alias Code
City Mixed CaseWhiterocks
City Alias Mixed CaseWhiterocks
Box Count116
SFDU39
MFDU0
State ANSI49
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number499656
Unique ZIP Name
SSA State County Code46230
Medicare CBSA Code99946
Medicare CBSA NameRural Areas in UT
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseUintah

Utah Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]