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97489 Home Insurance Quotes & Rates
Currently, the 369 homes within the 97489 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Oregon is around $498 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Walterville, OR, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 97489.
Oregon is now ranking #51 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Walterville home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Oregon has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 97489 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Walterville, Oregon home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Walterville, OR Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
97489 Home Insurance Average Premiums
$248 /yr.
Shows Zip Code: 97489 lowest rates with discounts applied on average.
For the 97489, 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) | $248 /yr. |
| Average Coverage: | $498 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $798 /yr. |
What is the average home insurance cost for a home in 97489?
- • The average homeowners insurance premium paid annually for a home in 97489 is around $498 per year.
What does it cost on average per month for home insurance in 97489?
- • Homeowners in 97489 pay a monthly average cost per month around $42.00.
What kind of discount could I get if I combine my home and auto insurance together in 97489?
- • Autoowners in 97489 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 Walterville area, check out other zip codes nearby 97489.
Review average rates in another zip code:
97489 homeowners insurance rates
Home Replacement Cost Coverage in 97489
Average Building Cost Per Square Foot in 97489: $221
Location: Walterville, Oregon (Lane County)Average Square Footage in 97489: 1,661 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97489 before you start any project. Walterville 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 97489 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 97489 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,661 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 Walterville 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 | 1,661 | $367,000 |
| Additional Upgrades & Added Features | $276 | 1,661 | $458,750 |
| Major Home Updates or Advancements | $332 | 1,661 | $550,500 |
It's important to understand that when you estimate your replacement cost of your home in the 97489 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 97489
Best Home & Auto Insurance Agencies in 97489
Housing Demographics for 97489
Population Review for 97489 Zip Code
For the city of Walterville, the population within 97489 has increased to over 818 residents in population size. The current population total is 848. We have broken down the population based on race below. In 97489, there are over 445 in male population and 403 females.
| Population | Values |
|---|---|
| Total Population | 848 |
| White Population | 748 |
| Black Population | 1 |
| Hispanic Population | 47 |
| Asian Population | 7 |
| Hawaiian Population | 0 |
| Indian Population | 13 |
| Other Population | 17 |
| Male Population | 445 |
| Female Population | 403 |
| Population Estimate | 818 |
Household Data for 97489
The average number of homes in 97489 is around 369, there are an average of 2.30 per household. The average house value according to local real estate values is around $367,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 369 |
| Persons Per Household | 2.30 |
| Average House Value | $367,000 |
| Income Per Household | $62169 |
| Median Age | 57.6 |
| Median Age Male | 57.6 |
| Median Age Female | 57.6 |
| 97489 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | Walterville |
| City Alias Name | WALTERVILLE |
| County | Lane |
| County FIPS | 039 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 2400 |
| PMSA | |
| CSA | |
| CBSA | 21660 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Eugene-Springfield, OR |
| MSA_Name | Eugene-Springfield, OR MSA |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 17 |
| Number Of Employees | 64 |
| Business First Quarter Payroll | 410 |
| Business Annual Payroll | 1953 |
| 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 | 351715 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 17274.04 |
| Delivery Residential | 356 |
| Delivery Business | 11 |
| Delivery Total | 781 |
| Preferred Last Line Key | Z15698 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15698 |
| Land Area | 29.726000 |
| Water Area | 0.213000 |
| City Alias Code | |
| City Mixed Case | Walterville |
| City Alias Mixed Case | Walterville |
| Box Count | 383 |
| SFDU | 312 |
| MFDU | 5 |
| State ANSI | 41 |
| County ANSI | 039 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 408864 |
| Unique ZIP Name | |
| SSA State County Code | 38190 |
| Medicare CBSA Code | 21660 |
| Medicare CBSA Name | Eugene-Springfield, OR |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Lane |
Oregon Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]