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97414 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 97414? There are over 104 occupied homes in the 97414 area. With a population size of 237, it's not uncommon for residence of Broadbent, OR to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Oregon is around $560 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 97414 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Broadbent, OR Home Insurance Rate Quotes

97414 Home Insurance Average Premiums

Local 97414 homeowners insurance quotes comparison

$310 /yr.

Shows Zip Code: 97414 lowest rates with discounts applied on average.

For the 97414, 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 97414?

  • • The average homeowners insurance premium paid annually for a home in 97414 is around $560 per year.

What does it cost on average per month for home insurance in 97414?

  • • Homeowners in 97414 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 97414?

  • • Autoowners in 97414 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 Broadbent area, check out other zip codes nearby 97414.
Review average rates in another zip code:
97414 homeowners insurance rates

Home Replacement Cost Coverage in 97414

Average Building Cost Per Square Foot in 97414: $221

Location: Broadbent, Oregon (Coos County)

Average Square Footage in 97414: 747 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97414 before you start any project. Broadbent 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 97414 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 97414 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 Broadbent 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 97414 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 97414

Best Home & Auto Insurance Agencies in 97414

Housing Demographics for 97414

Population Review for 97414 Zip Code

For the city of Broadbent, the population within 97414 has increased to over 77 residents in population size. The current population total is 237. We have broken down the population based on race below. In 97414, there are over 120 in male population and 117 females.

PopulationValues
Total Population237
White Population216
Black Population2
Hispanic Population9
Asian Population0
Hawaiian Population1
Indian Population2
Other Population4
Male Population120
Female Population117
Population Estimate77

Household Data for 97414

The average number of homes in 97414 is around 104, there are an average of 2.28 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 Zipcode104
Persons Per Household2.28
Average House Value$165,000
Income Per Household$0
Median Age44.9
Median Age Male44.5
Median Age Female46.5
97414 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityBroadbent
City Alias NameBROADBENT
CountyCoos
County FIPS011
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA18300
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCoos Bay-North Bend, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees122
Business First Quarter Payroll1053
Business Annual Payroll2206
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population63043
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential34
Delivery Business0
Delivery Total164
Preferred Last Line KeyZ14794
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14794
Land Area45.164000
Water Area0.072000
City Alias Code
City Mixed CaseBroadbent
City Alias Mixed CaseBroadbent
Box Count90
SFDU34
MFDU0
State ANSI41
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number401072
Unique ZIP Name
SSA State County Code38050
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseCoos

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 […]