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Homeowners Insurance in 89511

For homeowners living in 89511, you want more affordable home insurance rates in Reno, right? Our rates are very competitive for homeowners living in the great city of Reno, NV. Many homeowners living in the 89511 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Nevada licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 89511 should appear in the zip code field ready to go. Comparing Reno, NV Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

89511 Home Insurance Costs Are Considered: Very Low!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Reno pay around $611 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Nevada home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 89511 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Reno homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Nevada home insurance premium today!

Get 89511 Homeowners Insurance Rates Now!

89511 Home Insurance Average Premiums

Local 89511 homeowners insurance quotes comparison

$361 /yr.

Shows Zip Code: 89511 lowest rates with discounts applied on average.

For the 89511, 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)
$361 /yr.
Average Coverage:$611 /yr.
2600 sq. ft. or higher
(all discounts applied)
$911 /yr.

What is the average home insurance cost for a home in 89511?

  • • The average homeowners insurance premium paid annually for a home in 89511 is around $611 per year.

What does it cost on average per month for home insurance in 89511?

  • • Homeowners in 89511 pay a monthly average cost per month around $51.00.

What kind of discount could I get if I combine my home and auto insurance together in 89511?

  • • Autoowners in 89511 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 Reno, check out other zip codes nearby 89511.
To review average rates in another zip code, click on a zip code below:
89521  |  89510  |  89502  |  89503  |  89519  |  89501  |  89523  |  89511  |  89508  |  89509  | 

Home Replacement Cost Coverage in 89511

Average Building Cost Per Square Foot in 89511: $177

Location: Reno, Nevada (Washoe County)

Average Square Footage in 89511: 4,072 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 89511 before you start any project. Reno 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 89511 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 89511 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,072 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 Reno 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$1774,072$720,800
Additional Upgrades & Added Features$2214,072$901,000
Major Home Updates or Advancements$2664,072$1,081,200

It's important to understand that when you estimate your replacement cost of your home in the 89511 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 89511

Allstate Insurance-Penrod Insurance Agency

Address: 8175 S Virginia St Reno, NV 89511
Phone: (775)853-3591
Website: www.allstate.com

Best Home & Auto Insurance Agencies in 89511

American Family Insurance - Agents- Charbonneau Brett

Address: 5370 Kietzke Ln, #105 Reno, NV 89511
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Payless Auto Insurance

Address: 6423 S Virginia St Reno, NV 89511
Phone:
Website:
Info:

American Family Insurance

Address: 6430 S Virginia St Reno, NV 89511
Phone:
Website:
Info:

Fox- Rosalie T

Address: 6500 S Virginia St Reno, NV 89511
Phone:
Website:
Info:

Brand- Charla J - State Farm Insurance Agent

Address: 6135 Lakeside Dr, #135 Reno, NV 89511
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 89511

Population Review for 89511 Zip Code

For the city of Reno, the population within 89511 has increased to over 31,925 residents in population size. The current population total is 29,143. We have broken down the population based on race below. In 89511, there are over 14464 in male population and 14679 females.

PopulationValues
Total Population29,143
White Population22911
Black Population357
Hispanic Population3196
Asian Population1630
Hawaiian Population49
Indian Population185
Other Population1150
Male Population14464
Female Population14679
Population Estimate31925

Household Data for 89511

The average number of homes in 89511 is around 12,096, there are an average of 2.38 per household. The average house value according to local real estate values is around $720,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,096
Persons Per Household2.38
Average House Value$720,800
Income Per Household$111410
Median Age48.4
Median Age Male47.7
Median Age Female49.0
89511 DetailsValues
StateNV
State Full NameNevada
City TypeP
City Alias Abbreviation
Area Code775
CityReno
City Alias NameRENO
CountyWashoe
County FIPS031
State FIPS32
Time Zone8
Day Light SavingY
MSA6720
PMSA
CSA456
CBSA39900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameReno, NV
MSA_NameReno, NV MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1551
Number Of Employees21992
Business First Quarter Payroll299385
Business Annual Payroll1364446
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population425417
CBSA Division Population0
Congressional District02
Congressional LandArea55829.71
Delivery Residential13414
Delivery Business1324
Delivery Total16615
Preferred Last Line KeyZ14578
Classification Code
Multi-County
CSA NameReno-Carson City-Gardnerville Ranchos, NV-CA
CBSA_DIV_Name
City State KeyZ14578
Land Area131.589000
Water Area0.008000
City Alias Code
City Mixed CaseReno
City Alias Mixed CaseReno
Box Count1046
SFDU6672
MFDU3300
State ANSI32
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number317280
Unique ZIP Name
SSA State County Code29150
Medicare CBSA Code39900
Medicare CBSA NameReno, NV
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseWashoe

Nevada Homeowners Insurance News & Information

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    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 […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    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.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]