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Homeowners Insurance coverage in 97341

If you are a homeowner in 97341 or Depoe Bay, OR you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Depoe Bay.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 97341.

Learn more about our homeowners insurance shopping service by selecting the best Depoe Bay, OR Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 97341?

Residents of Depoe Bay have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Oregon? While Oregon is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Oregon comes in at 51 in the country for homeowners insurance premiums.

If you are living in 97341 zipcode, expect to pay around $549 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Depoe Bay does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

97341 Home Insurance Average Premiums

Local 97341 homeowners insurance quotes comparison

$299 /yr.

Shows Zip Code: 97341 lowest rates with discounts applied on average.

For the 97341, 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)
$299 /yr.
Average Coverage:$549 /yr.
2600 sq. ft. or higher
(all discounts applied)
$849 /yr.

What is the average home insurance cost for a home in 97341?

  • • The average homeowners insurance premium paid annually for a home in 97341 is around $549 per year.

What does it cost on average per month for home insurance in 97341?

  • • Homeowners in 97341 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 97341?

  • • Autoowners in 97341 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 Depoe Bay area, check out other zip codes nearby 97341.
Review average rates in another zip code:
97341 homeowners insurance rates

Home Replacement Cost Coverage in 97341

Average Building Cost Per Square Foot in 97341: $221

Location: Depoe Bay, Oregon (Lincoln County)

Average Square Footage in 97341: 1,220 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97341 before you start any project. Depoe Bay 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 97341 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 97341 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,220 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 Depoe Bay 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$2211,220$269,700
Additional Upgrades & Added Features$2761,220$337,125
Major Home Updates or Advancements$3321,220$404,550

It's important to understand that when you estimate your replacement cost of your home in the 97341 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 97341

Best Home & Auto Insurance Agencies in 97341

Housing Demographics for 97341

Population Review for 97341 Zip Code

For the city of Depoe Bay, the population within 97341 has increased to over 2,373 residents in population size. The current population total is 2,659. We have broken down the population based on race below. In 97341, there are over 1204 in male population and 1455 females.

PopulationValues
Total Population2,659
White Population2304
Black Population17
Hispanic Population158
Asian Population37
Hawaiian Population8
Indian Population41
Other Population58
Male Population1204
Female Population1455
Population Estimate2373

Household Data for 97341

The average number of homes in 97341 is around 1,345, there are an average of 1.97 per household. The average house value according to local real estate values is around $269,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,345
Persons Per Household1.97
Average House Value$269,700
Income Per Household$50817
Median Age60.1
Median Age Male59.9
Median Age Female60.3
97341 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityDepoe Bay
City Alias NameDEPOE BAY
CountyLincoln
County FIPS041
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA35440
CBSA_DIV
CBSA_TypeMicro
CBSA_NameNewport, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses84
Number Of Employees499
Business First Quarter Payroll3279
Business Annual Payroll17243
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential1205
Delivery Business30
Delivery Total1962
Preferred Last Line KeyZ14929
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14929
Land Area9.911000
Water Area0.548000
City Alias Code
City Mixed CaseDepoe Bay
City Alias Mixed CaseDepoe Bay
Box Count648
SFDU179
MFDU93
State ANSI41
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number402352
Unique ZIP Name
SSA State County Code38200
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseLincoln

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 […]