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97454 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 97454? There are over 532 occupied homes in the 97454 area. With a population size of 1,382, it's not uncommon for residence of Marcola, 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 $511 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 97454 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: Marcola, OR Home Insurance Rate Quotes

97454 Home Insurance Average Premiums

Local 97454 homeowners insurance quotes comparison

$261 /yr.

Shows Zip Code: 97454 lowest rates with discounts applied on average.

For the 97454, 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)		$261 /yr.
Average Coverage:$511 /yr.
2600 sq. ft. or higher
(all discounts applied)		$811 /yr.

What is the average home insurance cost for a home in 97454?

  • • The average homeowners insurance premium paid annually for a home in 97454 is around $511 per year.

What does it cost on average per month for home insurance in 97454?

  • • Homeowners in 97454 pay a monthly average cost per month around $43.00.

What kind of discount could I get if I combine my home and auto insurance together in 97454?

  • • Autoowners in 97454 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 Marcola area, check out other zip codes nearby 97454.
Review average rates in another zip code:
97454 homeowners insurance rates

Home Replacement Cost Coverage in 97454

Average Building Cost Per Square Foot in 97454: $221

Location: Marcola, Oregon (Lane County)

Average Square Footage in 97454: 1,362 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97454 before you start any project. Marcola 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 97454 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 97454 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,362 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 Marcola 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$2211,362$301,000
Additional Upgrades & Added Features$2761,362$376,250
Major Home Updates or Advancements$3321,362$451,500

It's important to understand that when you estimate your replacement cost of your home in the 97454 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 97454

Best Home & Auto Insurance Agencies in 97454

Housing Demographics for 97454

Population Review for 97454 Zip Code

For the city of Marcola, the population within 97454 has increased to over 903 residents in population size. The current population total is 1,382. We have broken down the population based on race below. In 97454, there are over 683 in male population and 699 females.

PopulationValues
Total Population1,382
White Population1189
Black Population2
Hispanic Population70
Asian Population15
Hawaiian Population5
Indian Population19
Other Population37
Male Population683
Female Population699
Population Estimate903

Household Data for 97454

The average number of homes in 97454 is around 532, there are an average of 2.59 per household. The average house value according to local real estate values is around $301,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode532
Persons Per Household2.59
Average House Value$301,000
Income Per Household$93185
Median Age51.0
Median Age Male53.9
Median Age Female50.2
97454 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code458/541
CityMarcola
City Alias NameMARCOLA
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 Businesses19
Number Of Employees111
Business First Quarter Payroll921
Business Annual Payroll4680
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 Residential349
Delivery Business1
Delivery Total849
Preferred Last Line KeyZ15225
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15225
Land Area60.298000
Water Area0.000000
City Alias Code
City Mixed CaseMarcola
City Alias Mixed CaseMarcola
Box Count463
SFDU343
MFDU0
State ANSI41
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number405248
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

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • 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 […]