Get multiple home insurance quotes in 97386. Our licensed 97386, OR agents are ready to serve you.

Quickly Revew Homeowners Insurance in 97386

If you own a home in Sweet Home, OR you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 97386 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Oregon licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 97386 and start comparing rates now.

97386 Homeowners Insurance Rates Are Considered: very low!

The average rate for a standard homeowners policy in 97386 is $528 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 97386 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Sweet Home, OR home insurance quotes in your local city and review the most competitive coverages and premiums.

97386 Home Insurance Average Premiums

Local 97386 homeowners insurance quotes comparison

$278 /yr.

Shows Zip Code: 97386 lowest rates with discounts applied on average.

For the 97386, 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)
$278 /yr.
Average Coverage:$528 /yr.
2600 sq. ft. or higher
(all discounts applied)
$828 /yr.

What is the average home insurance cost for a home in 97386?

  • • The average homeowners insurance premium paid annually for a home in 97386 is around $528 per year.

What does it cost on average per month for home insurance in 97386?

  • • Homeowners in 97386 pay a monthly average cost per month around $44.00.

What kind of discount could I get if I combine my home and auto insurance together in 97386?

  • • Autoowners in 97386 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 Sweet Home area, check out other zip codes nearby 97386.
Review average rates in another zip code:
97386 homeowners insurance rates

Home Replacement Cost Coverage in 97386

Average Building Cost Per Square Foot in 97386: $221

Location: Sweet Home, Oregon (Linn County)

Average Square Footage in 97386: 1,006 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97386 before you start any project. Sweet Home 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 97386 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 97386 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,006 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 Sweet Home 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$2211,006$222,300
Additional Upgrades & Added Features$2761,006$277,875
Major Home Updates or Advancements$3321,006$333,450

It's important to understand that when you estimate your replacement cost of your home in the 97386 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 97386

Farmers Insurance Group - Office

Address: 1256 Main Street Sweet Home, OR 97386
Phone: (541)367-0468
Website: www.farmers.com

Best Home & Auto Insurance Agencies in 97386

Farmers Insurance

Address: 1256 Main St Sweet Home, OR 97386
Phone:
Website: http://www.farmers.com
Info: Auto Insurance Quotes | Home, Life & Car Insurance | Farmers Insurance
Home, life and auto insurance quotes from Farmers Insurance Group. With discounts on car insurance and fast claim service its no wonder over 4000 customers a day switch to Farmers. Farmers Insurance group, auto insurance quotes, car insurance, auto insurance, automobile insurance, rate quote, business insurance, financial insurance, home insurance, mutual funds, life insurance, motorcycle insurance, farmers agent, renters insurance,

Lambert- Elizabeth N - State Farm Insurance Agent

Address: 1344 Main St Sweet Home, OR 97386
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 97386

Population Review for 97386 Zip Code

For the city of Sweet Home, the population within 97386 has increased to over 15,108 residents in population size. The current population total is 14,611. We have broken down the population based on race below. In 97386, there are over 7283 in male population and 7328 females.

PopulationValues
Total Population14,611
White Population12798
Black Population46
Hispanic Population732
Asian Population87
Hawaiian Population18
Indian Population206
Other Population224
Male Population7283
Female Population7328
Population Estimate15108

Household Data for 97386

The average number of homes in 97386 is around 5,580, there are an average of 2.60 per household. The average house value according to local real estate values is around $222,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,580
Persons Per Household2.60
Average House Value$222,300
Income Per Household$56100
Median Age44.3
Median Age Male43.0
Median Age Female45.6
97386 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CitySweet Home
City Alias NameSWEET HOME
CountyLinn
County FIPS043
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA440
CBSA10540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAlbany, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses243
Number Of Employees1944
Business First Quarter Payroll17175
Business Annual Payroll76495
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population116672
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential5811
Delivery Business207
Delivery Total7104
Preferred Last Line KeyZ15626
Classification Code
Multi-County
CSA NamePortland-Vancouver-Salem, OR-WA
CBSA_DIV_Name
City State KeyZ15626
Land Area125.949000
Water Area0.649000
City Alias Code
City Mixed CaseSweet Home
City Alias Mixed CaseSweet Home
Box Count462
SFDU4128
MFDU49
State ANSI41
County ANSI043
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number408144
Unique ZIP Name
SSA State County Code38210
Medicare CBSA Code10540
Medicare CBSA NameAlbany-Lebanon, OR
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseLinn

Oregon Homeowners Insurance News & Information

  • 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 […]

  • 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 […]