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Compare 97495 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Winchester just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 784 neighbors looking to save on their home insurance policy in the local 97495 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 97495. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Oregon rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Winchester, OR home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Winchester, OR

97495 Home Insurance Average Premiums

Local 97495 homeowners insurance quotes comparison

$312 /yr.

Shows Zip Code: 97495 lowest rates with discounts applied on average.

For the 97495, 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)
$312 /yr.
Average Coverage:$562 /yr.
2600 sq. ft. or higher
(all discounts applied)
$862 /yr.

What is the average home insurance cost for a home in 97495?

  • • The average homeowners insurance premium paid annually for a home in 97495 is around $562 per year.

What does it cost on average per month for home insurance in 97495?

  • • Homeowners in 97495 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 97495?

  • • Autoowners in 97495 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 Winchester area, check out other zip codes nearby 97495.
Review average rates in another zip code:
97495 homeowners insurance rates

Home Replacement Cost Coverage in 97495

Average Building Cost Per Square Foot in 97495: $221

Location: Winchester, Oregon (Douglas County)

Average Square Footage in 97495: 1,498 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97495 before you start any project. Winchester 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 97495 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 97495 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,498 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 Winchester 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$2211,498$331,000
Additional Upgrades & Added Features$2761,498$413,750
Major Home Updates or Advancements$3321,498$496,500

It's important to understand that when you estimate your replacement cost of your home in the 97495 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 97495

Best Home & Auto Insurance Agencies in 97495

Housing Demographics for 97495

Population Review for 97495 Zip Code

For the city of Winchester, the population within 97495 has increased to over 1,018 residents in population size. The current population total is 1,706. We have broken down the population based on race below. In 97495, there are over 837 in male population and 869 females.

PopulationValues
Total Population1,706
White Population1470
Black Population5
Hispanic Population95
Asian Population58
Hawaiian Population0
Indian Population35
Other Population9
Male Population837
Female Population869
Population Estimate1018

Household Data for 97495

The average number of homes in 97495 is around 784, there are an average of 2.18 per household. The average house value according to local real estate values is around $331,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode784
Persons Per Household2.18
Average House Value$331,000
Income Per Household$68684
Median Age51.7
Median Age Male51.0
Median Age Female52.5
97495 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityWinchester
City Alias NameWINCHESTER
CountyDouglas
County FIPS019
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA40700
CBSA_DIV
CBSA_TypeMicro
CBSA_NameRoseburg, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses19
Number Of Employees67
Business First Quarter Payroll480
Business Annual Payroll2265
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population107667
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential467
Delivery Business6
Delivery Total1105
Preferred Last Line KeyZ15755
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15755
Land Area7.332000
Water Area0.334000
City Alias Code
City Mixed CaseWinchester
City Alias Mixed CaseWinchester
Box Count564
SFDU199
MFDU0
State ANSI41
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number409344
Unique ZIP Name
SSA State County Code38090
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseDouglas

Oregon Homeowners Insurance News & Information

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