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97601 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 97601? There are over 9,723 occupied homes in the 97601 area. With a population size of 23,264, it's not uncommon for residence of Klamath Falls, 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 $523 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 97601 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: Klamath Falls, OR Home Insurance Rate Quotes

97601 Home Insurance Average Premiums

Local 97601 homeowners insurance quotes comparison

$273 /yr.

Shows Zip Code: 97601 lowest rates with discounts applied on average.

For the 97601, 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)		$273 /yr.
Average Coverage:$523 /yr.
2600 sq. ft. or higher
(all discounts applied)		$823 /yr.

What is the average home insurance cost for a home in 97601?

  • • The average homeowners insurance premium paid annually for a home in 97601 is around $523 per year.

What does it cost on average per month for home insurance in 97601?

  • • Homeowners in 97601 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 97601?

  • • Autoowners in 97601 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 Klamath Falls area, check out other zip codes nearby 97601.
Review average rates in another zip code:
97603 homeowners insurance rates
97601 homeowners insurance rates

Home Replacement Cost Coverage in 97601

Average Building Cost Per Square Foot in 97601: $221

Location: Klamath Falls, Oregon (Klamath County)

Average Square Footage in 97601: 996 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97601 before you start any project. Klamath Falls 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 97601 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 97601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 996 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 Klamath Falls 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$221996$220,100
Additional Upgrades & Added Features$276996$275,125
Major Home Updates or Advancements$332996$330,150

It's important to understand that when you estimate your replacement cost of your home in the 97601 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 97601

Hoppe Jim

Address: 826 Main Street Klamath Falls, OR 97601
Phone: (541)882-5507
Website:

Webb Wilson Insurance Agency

Address: Po Box 1300 Klamath Falls, OR 97601
Phone: (541)884-4147
Website: www.webbwilson.com

Best Home & Auto Insurance Agencies in 97601

Housing Demographics for 97601

Population Review for 97601 Zip Code

For the city of Klamath Falls, the population within 97601 has increased to over 23,900 residents in population size. The current population total is 23,264. We have broken down the population based on race below. In 97601, there are over 11713 in male population and 11551 females.

PopulationValues
Total Population23,264
White Population18353
Black Population234
Hispanic Population2761
Asian Population354
Hawaiian Population42
Indian Population927
Other Population1020
Male Population11713
Female Population11551
Population Estimate23900

Household Data for 97601

The average number of homes in 97601 is around 9,723, there are an average of 2.32 per household. The average house value according to local real estate values is around $220,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,723
Persons Per Household2.32
Average House Value$220,100
Income Per Household$45407
Median Age39.8
Median Age Male38.9
Median Age Female40.4
97601 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityKlamath Falls
City Alias NameKLAMATH FALLS
CountyKlamath
County FIPS035
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA28900
CBSA_DIV
CBSA_TypeMicro
CBSA_NameKlamath Falls, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses620
Number Of Employees8413
Business First Quarter Payroll104332
Business Annual Payroll457706
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population66380
CBSA Division Population0
Congressional District02
Congressional LandArea69442.78
Delivery Residential10302
Delivery Business851
Delivery Total12234
Preferred Last Line KeyZ15170
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15170
Land Area577.770000
Water Area96.870000
City Alias Code
City Mixed CaseKlamath Falls
City Alias Mixed CaseKlamath Falls
Box Count801
SFDU7550
MFDU582
State ANSI41
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number404576
Unique ZIP Name
SSA State County Code38170
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseKlamath

Oregon Homeowners Insurance News & Information

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