97376, OR Home Insurance

In the zip code of 97376, the population size is around 1,351, which consists of 602 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Seal Rock, OR. A few years ago, a study was done and found that the average home insurance rates for Oregon are around $586 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 97376 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Seal Rock. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Seal Rock, OR Homeowners Insurance Online Rates Today!

Average Building Cost Per Square Foot in 97376: $221

Average Square Footage in 97376: 1,563 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97376 before you start any project. Seal Rock 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 97376 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 97376 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,563 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 Seal Rock 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.

It's important to understand that when you estimate your replacement cost of your home in the 97376 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.

Household Data for 97376

The average number of homes in 97376 is around 602, there are an average of 2.24 per household. The average house value according to local real estate values is around $345,400. Please review the following demographics below for average income and media age.

• 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 […]