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97458, OR Homeowners Insurance Rates
With a population size of 4,729 and with 1,952 occupied homes in the 97458 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Myrtle Point, OR are around $581 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Myrtle Point, Oregon. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!
It's important to know that if your Oregon home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Myrtle Point, OR.
For Oregon home insurance information, including average Myrtle Point home insurance rates, coverage options or the different homeowners insurance types, please select Myrtle Point, OR Home Insurance Quotes Now!
97458 Home Insurance Average Premiums
$331 /yr.
Shows Zip Code: 97458 lowest rates with discounts applied on average.
For the 97458, 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) | $331 /yr. |
| Average Coverage: | $581 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $881 /yr. |
What is the average home insurance cost for a home in 97458?
- • The average homeowners insurance premium paid annually for a home in 97458 is around $581 per year.
What does it cost on average per month for home insurance in 97458?
- • Homeowners in 97458 pay a monthly average cost per month around $48.00.
What kind of discount could I get if I combine my home and auto insurance together in 97458?
- • Autoowners in 97458 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 Myrtle Point area, check out other zip codes nearby 97458.
Review average rates in another zip code:
97458 homeowners insurance rates
Home Replacement Cost Coverage in 97458
Average Building Cost Per Square Foot in 97458: $221
Location: Myrtle Point, Oregon (Coos County)Average Square Footage in 97458: 968 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97458 before you start any project. Myrtle Point 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 97458 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 97458 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 968 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 Myrtle Point 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $221 | 968 | $214,000 |
| Additional Upgrades & Added Features | $276 | 968 | $267,500 |
| Major Home Updates or Advancements | $332 | 968 | $321,000 |
It's important to understand that when you estimate your replacement cost of your home in the 97458 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 97458
Best Home & Auto Insurance Agencies in 97458
Farmers Insurance
Address: 817 Roseburg Rd Myrtle Point, OR 97458Phone:
Website: http://www.national.citysearch.com/profile/external/8531574/myrtle_point_or/farmers_insurance.html
Info:
Housing Demographics for 97458
Population Review for 97458 Zip Code
For the city of Myrtle Point, the population within 97458 has increased to over 4,462 residents in population size. The current population total is 4,729. We have broken down the population based on race below. In 97458, there are over 2352 in male population and 2377 females.
| Population | Values |
|---|---|
| Total Population | 4,729 |
| White Population | 4060 |
| Black Population | 8 |
| Hispanic Population | 251 |
| Asian Population | 25 |
| Hawaiian Population | 3 |
| Indian Population | 139 |
| Other Population | 82 |
| Male Population | 2352 |
| Female Population | 2377 |
| Population Estimate | 4462 |
Household Data for 97458
The average number of homes in 97458 is around 1,952, there are an average of 2.38 per household. The average house value according to local real estate values is around $214,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,952 |
| Persons Per Household | 2.38 |
| Average House Value | $214,000 |
| Income Per Household | $41165 |
| Median Age | 49.8 |
| Median Age Male | 48.7 |
| Median Age Female | 51.1 |
| 97458 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541 |
| City | Myrtle Point |
| City Alias Name | MYRTLE POINT |
| County | Coos |
| County FIPS | 011 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 18300 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Coos Bay-North Bend, OR |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 101 |
| Number Of Employees | 769 |
| Business First Quarter Payroll | 9018 |
| Business Annual Payroll | 35261 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 63043 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 17274.04 |
| Delivery Residential | 1875 |
| Delivery Business | 81 |
| Delivery Total | 3162 |
| Preferred Last Line Key | Z15305 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15305 |
| Land Area | 360.930000 |
| Water Area | 1.572000 |
| City Alias Code | |
| City Mixed Case | Myrtle Point |
| City Alias Mixed Case | Myrtle Point |
| Box Count | 298 |
| SFDU | 1744 |
| MFDU | 4 |
| State ANSI | 41 |
| County ANSI | 011 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 405936 |
| Unique ZIP Name | |
| SSA State County Code | 38050 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Coos |
Oregon Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]