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If you live in the 89446 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Winnemucca have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 89446 and then compare quotes from a variety of nationwide insurance companies.
89446 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 89446 the average premium for homeowners coverage is $699 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 89446. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
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89446 Home Insurance Average Premiums
$449 /yr.
Shows Zip Code: 89446 lowest rates with discounts applied on average.
For the 89446, 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) | $449 /yr. |
| Average Coverage: | $699 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $999 /yr. |
What is the average home insurance cost for a home in 89446?
- • The average homeowners insurance premium paid annually for a home in 89446 is around $699 per year.
What does it cost on average per month for home insurance in 89446?
- • Homeowners in 89446 pay a monthly average cost per month around $58.00.
What kind of discount could I get if I combine my home and auto insurance together in 89446?
- • Autoowners in 89446 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 Winnemucca, check out other zip codes nearby 89446.
To review average rates in another zip code, click on a zip code below:
89445 |
Home Replacement Cost Coverage in 89446
Average Building Cost Per Square Foot in 89446: $177
Location: Winnemucca, Nevada (Humboldt County)Average Square Footage in 89446: 932 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 89446 before you start any project. Winnemucca 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 89446 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 89446 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 932 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 Winnemucca 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 | 932 | $165,000 |
| Additional Upgrades & Added Features | $221 | 932 | $206,250 |
| Major Home Updates or Advancements | $266 | 932 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 89446 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 89446
Best Home & Auto Insurance Agencies in 89446
Housing Demographics for 89446
Population Review for 89446 Zip Code
For the city of Winnemucca, the population within 89446 has increased to over 0 residents in population size. The current population total is 112. We have broken down the population based on race below. In 89446, there are over 106 in male population and 6 females.
| Population | Values |
|---|---|
| Total Population | 112 |
| White Population | 67 |
| Black Population | 31 |
| Hispanic Population | 7 |
| Asian Population | 2 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 4 |
| Male Population | 106 |
| Female Population | 6 |
| Population Estimate | 0 |
Household Data for 89446
The average number of homes in 89446 is around 0, there are an average of 0.00 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 Data | Values |
|---|---|
| Households Per Zipcode | 0 |
| Persons Per Household | 0.00 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 36.0 |
| Median Age Male | 35.0 |
| Median Age Female | 51.5 |
| 89446 Details | Values |
|---|---|
| State | NV |
| State Full Name | Nevada |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 775 |
| City | Winnemucca |
| City Alias Name | WINNEMUCCA |
| County | Humboldt |
| County FIPS | 013 |
| State FIPS | 32 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 49080 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Winnemucca, NV |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 8 |
| Number Of Employees | 36 |
| Business First Quarter Payroll | 503 |
| Business Annual Payroll | 2277 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 55829.71 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 5420 |
| Preferred Last Line Key | Z14700 |
| Classification Code | P |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z14700 |
| Land Area | 7.487000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Winnemucca |
| City Alias Mixed Case | Winnemucca |
| Box Count | 857 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 32 |
| County ANSI | 013 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 319760 |
| Unique ZIP Name | |
| SSA State County Code | 29060 |
| Medicare CBSA Code | 99929 |
| Medicare CBSA Name | Rural Areas in NV |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 4 |
| County Mixed Case | Humboldt |
Nevada Homeowners Insurance News & Information
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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: […]
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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 […]
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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 […]