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Homeowners Insurance in 97023

For homeowners living in 97023, you want more affordable home insurance rates in Estacada, right? Our rates are very competitive for homeowners living in the great city of Estacada, OR. Many homeowners living in the 97023 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 Oregon 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 97023 should appear in the zip code field ready to go. Comparing Estacada, OR Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

97023 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 Estacada pay around $544 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Oregon 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 97023 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, Estacada 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 Oregon home insurance premium today!

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97023 Home Insurance Average Premiums

Local 97023 homeowners insurance quotes comparison

$294 /yr.

Shows Zip Code: 97023 lowest rates with discounts applied on average.

For the 97023, 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)
$294 /yr.
Average Coverage:$544 /yr.
2600 sq. ft. or higher
(all discounts applied)
$844 /yr.

What is the average home insurance cost for a home in 97023?

  • • The average homeowners insurance premium paid annually for a home in 97023 is around $544 per year.

What does it cost on average per month for home insurance in 97023?

  • • Homeowners in 97023 pay a monthly average cost per month around $45.00.

What kind of discount could I get if I combine my home and auto insurance together in 97023?

  • • Autoowners in 97023 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.

For shopping home insurance rates within the Estacada area, check out other zip codes nearby 97023.
Review average rates in another zip code:
97023 homeowners insurance rates

Home Replacement Cost Coverage in 97023

Average Building Cost Per Square Foot in 97023: $221

Location: Estacada, Oregon (Clackamas County)

Average Square Footage in 97023: 1,813 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97023 before you start any project. Estacada 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 97023 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 97023 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,813 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 Estacada 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$2211,813$400,700
Additional Upgrades & Added Features$2761,813$500,875
Major Home Updates or Advancements$3321,813$601,050

It's important to understand that when you estimate your replacement cost of your home in the 97023 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 97023

Best Home & Auto Insurance Agencies in 97023

Dewitt Blamer III Ins Agcy Inc - State Farm Insurance Agent

Address: 352 SE Main St Estacada, OR 97023
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

Farmers Insurance

Address: 21960 S Saling Rd Estacada, OR 97023
Phone:
Website:
Info:

Housing Demographics for 97023

Population Review for 97023 Zip Code

For the city of Estacada, the population within 97023 has increased to over 11,750 residents in population size. The current population total is 11,676. We have broken down the population based on race below. In 97023, there are over 6027 in male population and 5649 females.

PopulationValues
Total Population11,676
White Population10064
Black Population71
Hispanic Population821
Asian Population168
Hawaiian Population20
Indian Population118
Other Population287
Male Population6027
Female Population5649
Population Estimate11750

Household Data for 97023

The average number of homes in 97023 is around 4,259, there are an average of 2.72 per household. The average house value according to local real estate values is around $400,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,259
Persons Per Household2.72
Average House Value$400,700
Income Per Household$63494
Median Age42.0
Median Age Male41.1
Median Age Female43.0
97023 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code503/971
CityEstacada
City Alias NameESTACADA
CountyClackamas
County FIPS005
State FIPS41
Time Zone8
Day Light SavingY
MSA6442
PMSA6440
CSA440
CBSA38900
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePortland-Vancouver-Hillsboro, OR-WA
MSA_NamePortland-Salem, OR-WA CMSA
PMSA_NamePortland-Vancouver, OR-WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses248
Number Of Employees1433
Business First Quarter Payroll15719
Business Annual Payroll70329
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2226009
CBSA Division Population0
Congressional District03|05
Congressional LandArea1074.46|5189.73
Delivery Residential4320
Delivery Business106
Delivery Total5834
Preferred Last Line KeyZ14983
Classification Code
Multi-County
CSA NamePortland-Vancouver-Salem, OR-WA
CBSA_DIV_Name
City State KeyZ14983
Land Area196.498000
Water Area0.913000
City Alias Code
City Mixed CaseEstacada
City Alias Mixed CaseEstacada
Box Count1046
SFDU2528
MFDU87
State ANSI41
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number402832
Unique ZIP Name
SSA State County Code38020
Medicare CBSA Code38900
Medicare CBSA NamePortland-Vancouver-Hillsboro, OR-WA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseClackamas

Oregon Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]