Get multiple home insurance quotes in 97603. Our licensed 97603, OR agents are ready to serve you.

Compare 97603 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Klamath Falls just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 12,558 neighbors looking to save on their home insurance policy in the local 97603 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 97603. 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 Klamath Falls, 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 Klamath Falls, OR

97603 Home Insurance Average Premiums

Local 97603 homeowners insurance quotes comparison

$279 /yr.

Shows Zip Code: 97603 lowest rates with discounts applied on average.

For the 97603, 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)
$279 /yr.
Average Coverage:$529 /yr.
2600 sq. ft. or higher
(all discounts applied)
$829 /yr.

What is the average home insurance cost for a home in 97603?

  • • The average homeowners insurance premium paid annually for a home in 97603 is around $529 per year.

What does it cost on average per month for home insurance in 97603?

  • • Homeowners in 97603 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 97603?

  • • Autoowners in 97603 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 97603.
Review average rates in another zip code:
97601 homeowners insurance rates
97603 homeowners insurance rates

Home Replacement Cost Coverage in 97603

Average Building Cost Per Square Foot in 97603: $221

Location: Klamath Falls, Oregon (Klamath County)

Average Square Footage in 97603: 881 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97603 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 97603 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 97603 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 881 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$221881$194,800
Additional Upgrades & Added Features$276881$243,500
Major Home Updates or Advancements$332881$292,200

It's important to understand that when you estimate your replacement cost of your home in the 97603 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 97603

Farmers Insurance-Brad Zimmer

Address: 2972 South 6th Street Klamath Falls, OR 97603
Phone: (541)883-3645
Website: www.farmers.com

Lockrem Mike

Address: 1889 Austin Street Klamath Falls, OR 97603
Phone: (541)884-4147
Website:

Pacific Ridge Insurance

Address: 2710 Washburn Way Unit 4 Klamath Falls, OR 97603
Phone: (541)273-8311
Website:

Best Home & Auto Insurance Agencies in 97603

Kensler- Phill E

Address: 2650 Washburn Way Klamath Falls, OR 97603
Phone:
Website: http://www.phillkensler.com
Info:

Farmers Insurance-Brad Zimmer

Address: 2972 S 6th St Klamath Falls, OR 97603
Phone:
Website: http://www.farmers.com
Info: Auto Insurance Quotes | Home, Life & Car Insurance | Farmers Insurance
Home, life and auto insurance quotes from Farmers Insurance Group. With discounts on car insurance and fast claim service its no wonder over 4000 customers a day switch to Farmers. Farmers Insurance group, auto insurance quotes, car insurance, auto insurance, automobile insurance, rate quote, business insurance, financial insurance, home insurance, mutual funds, life insurance, motorcycle insurance, farmers agent, renters insurance,

Nau Jr- Robert G

Address: 4036 S 6th St Klamath Falls, OR 97603
Phone:
Website:
Info:

Housing Demographics for 97603

Population Review for 97603 Zip Code

For the city of Klamath Falls, the population within 97603 has increased to over 32,532 residents in population size. The current population total is 31,302. We have broken down the population based on race below. In 97603, there are over 15426 in male population and 15876 females.

PopulationValues
Total Population31,302
White Population24609
Black Population267
Hispanic Population4321
Asian Population352
Hawaiian Population50
Indian Population1128
Other Population1668
Male Population15426
Female Population15876
Population Estimate32532

Household Data for 97603

The average number of homes in 97603 is around 12,558, there are an average of 2.47 per household. The average house value according to local real estate values is around $194,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,558
Persons Per Household2.47
Average House Value$194,800
Income Per Household$56549
Median Age40.5
Median Age Male39.0
Median Age Female41.9
97603 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 Businesses703
Number Of Employees7209
Business First Quarter Payroll56781
Business Annual Payroll262827
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 Residential13171
Delivery Business814
Delivery Total13682
Preferred Last Line KeyZ15170
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15170
Land Area340.624000
Water Area5.035000
City Alias Code
City Mixed CaseKlamath Falls
City Alias Mixed CaseKlamath Falls
Box Count0
SFDU7779
MFDU581
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

  • 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 […]