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86028 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 86028 zip code it's important to know that our rates are very competitive for homeowners living in Petrified Forest Natl Pk, AZ. Many homeowners based out of your 86028 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Arizona licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 86028 should appear in the zip code field ready to go. For Petrified Forest Natl Pk, AZ Homeowners Insurance Quotes nearby, we offer the best rates and service.

86028: Average Home Insurance Rates

For homeowners living in the great city of Petrified Forest Natl Pk, the average homeowners policy is considered very low in comparison to other states. Arizona premiums are estimated to be around $769 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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86028 Home Insurance Average Premiums

Local 86028 homeowners insurance quotes comparison

$519 /yr.

Shows Zip Code: 86028 lowest rates with discounts applied on average.

For the 86028, 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)
$519 /yr.
Average Coverage:$769 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1069 /yr.

What is the average home insurance cost for a home in 86028?

  • • The average homeowners insurance premium paid annually for a home in 86028 is around $769 per year.

What does it cost on average per month for home insurance in 86028?

  • • Homeowners in 86028 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 86028?

  • • Autoowners in 86028 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.

You can easily shop and compare home insurance rates within Petrified Forest Natl Pk, check out other zip codes nearby 86028.
To review average rates in another zip code, click on a zip code below:

Home Replacement Cost Coverage in 86028

Average Building Cost Per Square Foot in 86028: $161

Location: Petrified Forest Natl Pk, Arizona (Apache County)

Average Square Footage in 86028: 1,025 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86028 before you start any project. Petrified Forest Natl Pk homeowners pay on average around $161 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 86028 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 86028 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,025 sq. ft. and the average cost to rebuild the home in this area is around $161 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 Petrified Forest Natl Pk 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$1611,025$165,000
Additional Upgrades & Added Features$2011,025$206,250
Major Home Updates or Advancements$2421,025$247,500

It's important to understand that when you estimate your replacement cost of your home in the 86028 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 86028

Best Home & Auto Insurance Agencies in 86028

Housing Demographics for 86028

Population Review for 86028 Zip Code

For the city of Petrified Forest Natl Pk, the population within 86028 has increased to over 0 residents in population size. The current population total is 34. We have broken down the population based on race below. In 86028, there are over 12 in male population and 22 females.

PopulationValues
Total Population34
White Population24
Black Population4
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population0
Other Population3
Male Population12
Female Population22
Population Estimate0

Household Data for 86028

The average number of homes in 86028 is around 5, there are an average of 5.40 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5
Persons Per Household5.40
Average House Value$165,000
Income Per Household$0
Median Age62.5
Median Age Male67.5
Median Age Female62.0
86028 DetailsValues
StateAZ
State Full NameArizona
City TypeZ
City Alias AbbreviationPETRIFIED FOR
Area Code928
CityPetrified Forest Natl Pk
City Alias NamePETRIFIED FOREST NATL PK
CountyApache
County FIPS001
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea7838.12
Delivery Residential0
Delivery Business0
Delivery Total465
Preferred Last Line Key009576
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State Key009576
Land Area14.173000
Water Area0.015000
City Alias CodeG
City Mixed CasePetrified Forest Natl Pk
City Alias Mixed CasePetrified Forest Natl Pk
Box Count0
SFDU0
MFDU0
State ANSI04
County ANSI001
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number033959
Unique ZIP Name
SSA State County Code03000
Medicare CBSA Code99903
Medicare CBSA NameRural Areas in AZ
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseApache

Arizona Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]