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Compare 97086 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Happy Valley just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 11,662 neighbors looking to save on their home insurance policy in the local 97086 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 97086. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Oregon rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Happy Valley, OR home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Happy Valley, OR

97086 Home Insurance Average Premiums

Local 97086 homeowners insurance quotes comparison

$304 /yr.

Shows Zip Code: 97086 lowest rates with discounts applied on average.

For the 97086, 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)		$304 /yr.
Average Coverage:$554 /yr.
2600 sq. ft. or higher
(all discounts applied)		$854 /yr.

What is the average home insurance cost for a home in 97086?

  • • The average homeowners insurance premium paid annually for a home in 97086 is around $554 per year.

What does it cost on average per month for home insurance in 97086?

  • • Homeowners in 97086 pay a monthly average cost per month around $46.00.

What kind of discount could I get if I combine my home and auto insurance together in 97086?

  • • Autoowners in 97086 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 Happy Valley area, check out other zip codes nearby 97086.
Review average rates in another zip code:
97086 homeowners insurance rates

Home Replacement Cost Coverage in 97086

Average Building Cost Per Square Foot in 97086: $221

Location: Happy Valley, Oregon (Clackamas County)

Average Square Footage in 97086: 2,460 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97086 before you start any project. Happy Valley 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 97086 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 97086 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,460 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 Happy Valley 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$2212,460$543,700
Additional Upgrades & Added Features$2762,460$679,625
Major Home Updates or Advancements$3322,460$815,550

It's important to understand that when you estimate your replacement cost of your home in the 97086 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 97086

Best Home & Auto Insurance Agencies in 97086

Housing Demographics for 97086

Population Review for 97086 Zip Code

For the city of Happy Valley, the population within 97086 has increased to over 37,176 residents in population size. The current population total is 32,612. We have broken down the population based on race below. In 97086, there are over 16108 in male population and 16504 females.

PopulationValues
Total Population32,612
White Population21427
Black Population790
Hispanic Population3188
Asian Population5526
Hawaiian Population205
Indian Population245
Other Population1353
Male Population16108
Female Population16504
Population Estimate37176

Household Data for 97086

The average number of homes in 97086 is around 11,662, there are an average of 2.78 per household. The average house value according to local real estate values is around $543,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,662
Persons Per Household2.78
Average House Value$543,700
Income Per Household$94416
Median Age38.7
Median Age Male37.5
Median Age Female39.9
97086 DetailsValues
StateOR
State Full NameOregon
City TypeN
City Alias Abbreviation
Area Code503
CityHappy Valley
City Alias NameHAPPY VALLEY
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 Businesses802
Number Of Employees6867
Business First Quarter Payroll58492
Business Annual Payroll262706
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 Residential13373
Delivery Business580
Delivery Total23146
Preferred Last Line KeyZ15079
Classification Code
Multi-CountyY
CSA NamePortland-Vancouver-Salem, OR-WA
CBSA_DIV_Name
City State KeyZ15079
Land Area10.477000
Water Area0.000000
City Alias Code
City Mixed CaseHappy Valley
City Alias Mixed CaseHappy Valley
Box Count0
SFDU2958
MFDU2824
State ANSI41
County ANSI005
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number401680
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

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    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 […]