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89045 Home Insurance Rates
For homeowners living in 89045, the population estimates are increasing to well over 1,574 with 663 occupied homes within the zip code of 89045. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Round Mountain have increased and the average home insurance premium is around $623 per year in 89045. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 89045 zip code today so we can help you find affordable Round Mountain, NV home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 89045
Please select one of the three options below based on your 89045 zip code to learn more about Nevada homeowners insurance, plus review average rates and information per state, county or city.
- Nevada Homeowners Insurance Quotes
- Nye County, NV Home Insurance
- Round Mountain, NV Home Insurance Quotes
89045 Average Home Insurance Rating Cost is: Very Low!
Getting cheaper homeowners insurance in the 89045 zip code just got easier with GetHomeInsuranceQuotes.com of Round Mountain, NV. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 89045 today and let us help you review the best home insurance quotes available for homeowners living in Round Mountain.
89045 Home Insurance Average Premiums
$373 /yr.
Shows Zip Code: 89045 lowest rates with discounts applied on average.
For the 89045, 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) | $373 /yr. |
| Average Coverage: | $623 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $923 /yr. |
What is the average home insurance cost for a home in 89045?
- • The average homeowners insurance premium paid annually for a home in 89045 is around $623 per year.
What does it cost on average per month for home insurance in 89045?
- • Homeowners in 89045 pay a monthly average cost per month around $52.00.
What kind of discount could I get if I combine my home and auto insurance together in 89045?
- • Autoowners in 89045 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 Round Mountain, check out other zip codes nearby 89045.
To review average rates in another zip code, click on a zip code below:
89045 |
Home Replacement Cost Coverage in 89045
Average Building Cost Per Square Foot in 89045: $177
Location: Round Mountain, Nevada (Nye County)Average Square Footage in 89045: 346 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 89045 before you start any project. Round Mountain 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 89045 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 89045 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 346 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 Round Mountain 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $177 | 346 | $61,300 |
| Additional Upgrades & Added Features | $221 | 346 | $76,625 |
| Major Home Updates or Advancements | $266 | 346 | $91,950 |
It's important to understand that when you estimate your replacement cost of your home in the 89045 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 89045
Best Home & Auto Insurance Agencies in 89045
Housing Demographics for 89045
Population Review for 89045 Zip Code
For the city of Round Mountain, the population within 89045 has increased to over 670 residents in population size. The current population total is 1,574. We have broken down the population based on race below. In 89045, there are over 825 in male population and 749 females.
| Population | Values |
|---|---|
| Total Population | 1,574 |
| White Population | 1329 |
| Black Population | 9 |
| Hispanic Population | 152 |
| Asian Population | 7 |
| Hawaiian Population | 8 |
| Indian Population | 50 |
| Other Population | 66 |
| Male Population | 825 |
| Female Population | 749 |
| Population Estimate | 670 |
Household Data for 89045
The average number of homes in 89045 is around 663, there are an average of 2.37 per household. The average house value according to local real estate values is around $61,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 663 |
| Persons Per Household | 2.37 |
| Average House Value | $61,300 |
| Income Per Household | $70979 |
| Median Age | 39.5 |
| Median Age Male | 41.6 |
| Median Age Female | 37.0 |
| 89045 Details | Values |
|---|---|
| State | NV |
| State Full Name | Nevada |
| City Type | P |
| City Alias Abbreviation | ROUND MTN |
| Area Code | 775 |
| City | Round Mountain |
| City Alias Name | ROUND MOUNTAIN |
| County | Nye |
| County FIPS | 023 |
| State FIPS | 32 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 4120 |
| PMSA | |
| CSA | 332 |
| CBSA | 37220 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Pahrump, NV |
| MSA_Name | Las Vegas, NV-AZ MSA |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 17 |
| Number Of Employees | 1094 |
| Business First Quarter Payroll | 24851 |
| Business Annual Payroll | 107291 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 43946 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 50997.97 |
| Delivery Residential | 283 |
| Delivery Business | 5 |
| Delivery Total | 14814 |
| Preferred Last Line Key | Z14585 |
| Classification Code | |
| Multi-County | |
| CSA Name | Las Vegas-Henderson, NV |
| CBSA_DIV_Name | |
| City State Key | Z14585 |
| Land Area | 1458.099000 |
| Water Area | 2.617000 |
| City Alias Code | |
| City Mixed Case | Round Mountain |
| City Alias Mixed Case | Round Mountain |
| Box Count | 397 |
| SFDU | 46 |
| MFDU | 0 |
| State ANSI | 32 |
| County ANSI | 023 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 317360 |
| Unique ZIP Name | |
| SSA State County Code | 29110 |
| Medicare CBSA Code | 99929 |
| Medicare CBSA Name | Rural Areas in NV |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Nye |
Nevada Homeowners Insurance News & Information
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Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
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Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
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As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]