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97448 Home Insurance Rates

Getting multiple homeowners insurance rates in 97448 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Junction City, OR. Many homeowners based out of the 97448 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Oregon licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 97448 should appear in the zip code field ready to go. For Junction City, OR Home Insurance Quotes, Click to easily get started!

97448 Homeowners Insurance Rates, Average Rating: Very Low!

Your homeowners insurance policy in 97448 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Junction City. For a basic HO-3, standard homeowners policy, the average premium per year in Oregon is around $532. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 97448 zip code today and let us help you save time and money on your homeowners insurance premium.

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97448 Home Insurance Average Premiums

Local 97448 homeowners insurance quotes comparison

$282 /yr.

Shows Zip Code: 97448 lowest rates with discounts applied on average.

For the 97448, 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)
$282 /yr.
Average Coverage:$532 /yr.
2600 sq. ft. or higher
(all discounts applied)
$832 /yr.

What is the average home insurance cost for a home in 97448?

  • • The average homeowners insurance premium paid annually for a home in 97448 is around $532 per year.

What does it cost on average per month for home insurance in 97448?

  • • Homeowners in 97448 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 97448?

  • • Autoowners in 97448 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 Junction City area, check out other zip codes nearby 97448.
Review average rates in another zip code:
97448 homeowners insurance rates

Home Replacement Cost Coverage in 97448

Average Building Cost Per Square Foot in 97448: $221

Location: Junction City, Oregon (Lane County)

Average Square Footage in 97448: 1,418 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97448 before you start any project. Junction City 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 97448 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 97448 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,418 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 Junction City 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$2211,418$313,400
Additional Upgrades & Added Features$2761,418$391,750
Major Home Updates or Advancements$3321,418$470,100

It's important to understand that when you estimate your replacement cost of your home in the 97448 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 97448

Best Home & Auto Insurance Agencies in 97448

American Family Insurance- Jason Gard

Address: 190 W 6th Ave Junction City, OR 97448
Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/american_family_insurance__jason_gard-b2111756&mkt=63801
Info:

Housing Demographics for 97448

Population Review for 97448 Zip Code

For the city of Junction City, the population within 97448 has increased to over 14,358 residents in population size. The current population total is 13,709. We have broken down the population based on race below. In 97448, there are over 6879 in male population and 6830 females.

PopulationValues
Total Population13,709
White Population11731
Black Population87
Hispanic Population1108
Asian Population128
Hawaiian Population16
Indian Population156
Other Population442
Male Population6879
Female Population6830
Population Estimate14358

Household Data for 97448

The average number of homes in 97448 is around 5,327, there are an average of 2.54 per household. The average house value according to local real estate values is around $313,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,327
Persons Per Household2.54
Average House Value$313,400
Income Per Household$62324
Median Age43.3
Median Age Male42.6
Median Age Female44.1
97448 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityJunction City
City Alias NameJUNCTION CITY
CountyLane
County FIPS039
State FIPS41
Time Zone8
Day Light SavingY
MSA2400
PMSA
CSA
CBSA21660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameEugene-Springfield, OR
MSA_NameEugene-Springfield, OR MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses310
Number Of Employees2799
Business First Quarter Payroll26135
Business Annual Payroll116455
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population351715
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential5653
Delivery Business229
Delivery Total6319
Preferred Last Line KeyZ15145
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ15145
Land Area138.065000
Water Area0.825000
City Alias Code
City Mixed CaseJunction City
City Alias Mixed CaseJunction City
Box Count221
SFDU3677
MFDU274
State ANSI41
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number404384
Unique ZIP Name
SSA State County Code38190
Medicare CBSA Code21660
Medicare CBSA NameEugene-Springfield, OR
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseLane

Oregon Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]