89012, NV Home Insurance

In the zip code of 89012, the population size is around 35,211, which consists of 14,857 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Henderson, NV. A few years ago, a study was done and found that the average home insurance rates for Nevada are around $648 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 89012 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 Henderson. 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 Henderson, NV Homeowners Insurance Online Rates Today!

Average Building Cost Per Square Foot in 89012: $177

Average Square Footage in 89012: 2,159 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89012 before you start any project. Henderson 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 89012 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 89012 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,159 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 Henderson 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.

It's important to understand that when you estimate your replacement cost of your home in the 89012 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.

Allstate Insurance-Andre Mattox Agency

Allstate Insurance - Mike Kundanani

Allstate Insurance-Andre Mattox Agency

American Family Insurance

Allstate Insurance - Mike Kundanani

Downer- Lisa M - State Farm Insurance Agent

Allstate Insurance Companies

Household Data for 89012

The average number of homes in 89012 is around 14,857, there are an average of 2.36 per household. The average house value according to local real estate values is around $382,200. Please review the following demographics below for average income and media age.

• Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

  While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

• The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

  If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

• Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

  A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]