97018 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 97018 zip code it's important to know that our rates are very competitive for homeowners living in Columbia City, OR. Many homeowners based out of your 97018 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 Oregon 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 97018 should appear in the zip code field ready to go. For Columbia City, OR Homeowners Insurance Quotes nearby, we offer the best rates and service.

97018: Average Home Insurance Rates

For homeowners living in the great city of Columbia City, the average homeowners policy is considered very low in comparison to other states. Oregon premiums are estimated to be around $591 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.

Save on 97018 Home Insurance Quotes!

Average Building Cost Per Square Foot in 97018: $221

Average Square Footage in 97018: 1,575 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97018 before you start any project. Columbia City homeowners pay on average around $221 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 97018 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 97018 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,575 sq. ft. and the average cost to rebuild the home in this area is around $221 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 Columbia City 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 97018 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.

Household Data for 97018

The average number of homes in 97018 is around 809, there are an average of 2.41 per household. The average house value according to local real estate values is around $348,000. Please review the following demographics below for average income and media age.

• Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

  According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

• Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

  One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

• Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

  This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]