Get multiple home insurance quotes in 97496. Our licensed 97496, OR agents are ready to serve you.

97496 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 97496 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Winston, OR. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 97496 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Oregon, like average Winston homeowners insurance rates, coverage options or home insurance types, please select Winston, OR Home Insurance Rates Online!

97496 Home Insurance Average Premiums

Local 97496 homeowners insurance quotes comparison

$282 /yr.

Shows Zip Code: 97496 lowest rates with discounts applied on average.

For the 97496, 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 97496?

  • • The average homeowners insurance premium paid annually for a home in 97496 is around $532 per year.

What does it cost on average per month for home insurance in 97496?

  • • Homeowners in 97496 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 97496?

  • • Autoowners in 97496 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 Winston area, check out other zip codes nearby 97496.
Review average rates in another zip code:
97496 homeowners insurance rates

Home Replacement Cost Coverage in 97496

Average Building Cost Per Square Foot in 97496: $221

Location: Winston, Oregon (Douglas County)

Average Square Footage in 97496: 886 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97496 before you start any project. Winston 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 97496 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 97496 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 886 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 Winston 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$221886$195,900
Additional Upgrades & Added Features$276886$244,875
Major Home Updates or Advancements$332886$293,850

It's important to understand that when you estimate your replacement cost of your home in the 97496 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 97496

Best Home & Auto Insurance Agencies in 97496

Economy Auto Body

Address: 9293 Old Highway 99 S Winston, OR 97496
Phone:
Website:
Info:

Penny Mills - Farmers Insurance

Address: 127 NW Douglas Blvd Winston, OR 97496
Phone:
Website: http://www.farmersagent.com/pmills
Info:

Housing Demographics for 97496

Population Review for 97496 Zip Code

For the city of Winston, the population within 97496 has increased to over 6,219 residents in population size. The current population total is 7,875. We have broken down the population based on race below. In 97496, there are over 3907 in male population and 3968 females.

PopulationValues
Total Population7,875
White Population6834
Black Population40
Hispanic Population397
Asian Population88
Hawaiian Population4
Indian Population155
Other Population152
Male Population3907
Female Population3968
Population Estimate6219

Household Data for 97496

The average number of homes in 97496 is around 3,177, there are an average of 2.47 per household. The average house value according to local real estate values is around $195,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,177
Persons Per Household2.47
Average House Value$195,900
Income Per Household$57031
Median Age44.5
Median Age Male43.4
Median Age Female45.7
97496 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityWinston
City Alias NameWINSTON
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 Businesses97
Number Of Employees790
Business First Quarter Payroll5735
Business Annual Payroll24509
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 Residential2518
Delivery Business45
Delivery Total3920
Preferred Last Line KeyZ15759
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15759
Land Area88.047000
Water Area0.018000
City Alias Code
City Mixed CaseWinston
City Alias Mixed CaseWinston
Box Count1042
SFDU1647
MFDU9
State ANSI41
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number409376
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

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]