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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.
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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
$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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $221 | 1,220 | $269,700 |
| Additional Upgrades & Added Features | $276 | 1,220 | $337,125 |
| Major Home Updates or Advancements | $332 | 1,220 | $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.
| Population | Values |
|---|---|
| Total Population | 2,659 |
| White Population | 2304 |
| Black Population | 17 |
| Hispanic Population | 158 |
| Asian Population | 37 |
| Hawaiian Population | 8 |
| Indian Population | 41 |
| Other Population | 58 |
| Male Population | 1204 |
| Female Population | 1455 |
| Population Estimate | 2373 |
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 Data | Values |
|---|---|
| Households Per Zipcode | 1,345 |
| Persons Per Household | 1.97 |
| Average House Value | $269,700 |
| Income Per Household | $50817 |
| Median Age | 60.1 |
| Median Age Male | 59.9 |
| Median Age Female | 60.3 |
| 97341 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | Depoe Bay |
| City Alias Name | DEPOE BAY |
| County | Lincoln |
| County FIPS | 041 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 35440 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Newport, OR |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 84 |
| Number Of Employees | 499 |
| Business First Quarter Payroll | 3279 |
| Business Annual Payroll | 17243 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 17274.04 |
| Delivery Residential | 1205 |
| Delivery Business | 30 |
| Delivery Total | 1962 |
| Preferred Last Line Key | Z14929 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z14929 |
| Land Area | 9.911000 |
| Water Area | 0.548000 |
| City Alias Code | |
| City Mixed Case | Depoe Bay |
| City Alias Mixed Case | Depoe Bay |
| Box Count | 648 |
| SFDU | 179 |
| MFDU | 93 |
| State ANSI | 41 |
| County ANSI | 041 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 402352 |
| Unique ZIP Name | |
| SSA State County Code | 38200 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Lincoln |
Oregon Homeowners Insurance News & Information
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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, […]
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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 […]
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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 […]