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97204 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 97204 zip code it's important to know that our rates are very competitive for homeowners living in Portland, OR. Many homeowners based out of your 97204 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 97204 should appear in the zip code field ready to go. For Portland, OR Homeowners Insurance Quotes nearby, we offer the best rates and service.

97204: Average Home Insurance Rates

For homeowners living in the great city of Portland, the average homeowners policy is considered very low in comparison to other states. Oregon premiums are estimated to be around $560 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.

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97204 Home Insurance Average Premiums

Local 97204 homeowners insurance quotes comparison

$310 /yr.

Shows Zip Code: 97204 lowest rates with discounts applied on average.

For the 97204, 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)
$310 /yr.
Average Coverage:$560 /yr.
2600 sq. ft. or higher
(all discounts applied)
$860 /yr.

What is the average home insurance cost for a home in 97204?

  • • The average homeowners insurance premium paid annually for a home in 97204 is around $560 per year.

What does it cost on average per month for home insurance in 97204?

  • • Homeowners in 97204 pay a monthly average cost per month around $47.00.

What kind of discount could I get if I combine my home and auto insurance together in 97204?

  • • Autoowners in 97204 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 Portland area, check out other zip codes nearby 97204.
Review average rates in another zip code:
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97224 homeowners insurance rates

Home Replacement Cost Coverage in 97204

Average Building Cost Per Square Foot in 97204: $221

Location: Portland, Oregon (Multnomah County)

Average Square Footage in 97204: 747 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97204 before you start any project. Portland 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 97204 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 97204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 747 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 Portland 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$221747$165,000
Additional Upgrades & Added Features$276747$206,250
Major Home Updates or Advancements$332747$247,500

It's important to understand that when you estimate your replacement cost of your home in the 97204 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 97204

Campbell Galt & Newlands

Address: 700 Ne Muttnomah Ste 1300 Portland, OR 97204
Phone: (503)224-8390
Website:

USI Northwest

Address: 700 NE Multnomah St Suite 1300 Portland, OR 97204
Phone: (503)224-8390
Website: www.usi-insurance.com

Alexander Morford

Address: 121 SW Morrison St Ste 845 Portland, OR 97204
Phone: (503)295-3668
Website:

Best Home & Auto Insurance Agencies in 97204

Alexander Morford

Address: 121 SW Morrison St, #845 Portland, OR 97204
Phone:
Website:
Info:

Housing Demographics for 97204

Population Review for 97204 Zip Code

For the city of Portland, the population within 97204 has increased to over 932 residents in population size. The current population total is 1,001. We have broken down the population based on race below. In 97204, there are over 635 in male population and 366 females.

PopulationValues
Total Population1,001
White Population650
Black Population157
Hispanic Population114
Asian Population33
Hawaiian Population2
Indian Population18
Other Population27
Male Population635
Female Population366
Population Estimate932

Household Data for 97204

The average number of homes in 97204 is around 454, there are an average of 1.36 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 DataValues
Households Per Zipcode454
Persons Per Household1.36
Average House Value$165,000
Income Per Household$0
Median Age39.9
Median Age Male39.0
Median Age Female42.5
97204 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code503/971
CityPortland
City Alias NamePORTLAND
CountyMultnomah
County FIPS051
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 Businesses1216
Number Of Employees28695
Business First Quarter Payroll823391
Business Annual Payroll3087245
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 District01
Congressional LandArea3007
Delivery Residential686
Delivery Business1036
Delivery Total4642
Preferred Last Line KeyZ15411
Classification Code
Multi-County
CSA NamePortland-Vancouver-Salem, OR-WA
CBSA_DIV_Name
City State KeyZ15411
Land Area0.247000
Water Area0.084000
City Alias Code
City Mixed CasePortland
City Alias Mixed CasePortland
Box Count0
SFDU1
MFDU685
State ANSI41
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number406784
Unique ZIP Name
SSA State County Code38250
Medicare CBSA Code38900
Medicare CBSA NamePortland-Vancouver-Hillsboro, OR-WA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseMultnomah

Oregon Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • 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 […]