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Home Insurance Quotes in 97702

Are you shopping for a cheaper homeowners insurance rate in 97702? Our rates are very competitive for homeowners living in Bend, OR. Many homeowners located in the 97702 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Oregon licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 97702. To get free 97702 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 97702 zip code should appear in the zip code field ready to go. Shopping Bend, OR Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 97702 to review the best rate coverages.

Your 97702 Home Insurance Costs Is Rated: Very Low!

For the great city of Bend, the average home insurance premium paid annually is around $623 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Oregon specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Bend and need insurance on your home in the 97702 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 97702 Homeowners Insurance Rates Now!

97702 Home Insurance Average Premiums

Local 97702 homeowners insurance quotes comparison

$373 /yr.

Shows Zip Code: 97702 lowest rates with discounts applied on average.

For the 97702, 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)
$373 /yr.
Average Coverage:$623 /yr.
2600 sq. ft. or higher
(all discounts applied)
$923 /yr.

What is the average home insurance cost for a home in 97702?

  • • The average homeowners insurance premium paid annually for a home in 97702 is around $623 per year.

What does it cost on average per month for home insurance in 97702?

  • • Homeowners in 97702 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 97702?

  • • Autoowners in 97702 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.

You can easily shop and compare home insurance rates within Bend, check out other zip codes nearby 97702.
To review average rates in another zip code, click on a zip code below:
97701  |  97707  |  97702  | 

Home Replacement Cost Coverage in 97702

Average Building Cost Per Square Foot in 97702: $221

Location: Bend, Oregon (Deschutes County)

Average Square Footage in 97702: 2,077 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97702 before you start any project. Bend 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 97702 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 97702 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,077 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 Bend 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$2212,077$459,100
Additional Upgrades & Added Features$2762,077$573,875
Major Home Updates or Advancements$3322,077$688,650

It's important to understand that when you estimate your replacement cost of your home in the 97702 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 97702

Allstate Insurance

Address: 243 Sw Scale House Loop # 4 Bend, OR 97702
Phone: (541)318-8835
Website: www.allstate.com

Best Home & Auto Insurance Agencies in 97702

Marken- John R - State Farm Insurance Agent

Address: 824 SE 3rd St Bend, OR 97702
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Chrisman- James E

Address: 1288 SW Simpson Ave Bend, OR 97702
Phone:
Website:
Info:

Hornback- Fredrick J - State Farm Insurance Agent

Address: 1180 SE Division St, #2 Bend, OR 97702
Phone:
Website: http://www.hornbackinsurance.com
Info:

Century Insurance Group, LLC

Address: SW Mill View Way Bend, OR 97702
Phone:
Website: http://www.centuryins.com/
Info:

Allstate Insurance

Address: 243 SW Scale House Loop Bend, OR 97702
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 97702

Population Review for 97702 Zip Code

For the city of Bend, the population within 97702 has increased to over 57,377 residents in population size. The current population total is 51,161. We have broken down the population based on race below. In 97702, there are over 25452 in male population and 25709 females.

PopulationValues
Total Population51,161
White Population43021
Black Population236
Hispanic Population4985
Asian Population751
Hawaiian Population67
Indian Population374
Other Population2194
Male Population25452
Female Population25709
Population Estimate57377

Household Data for 97702

The average number of homes in 97702 is around 20,303, there are an average of 2.49 per household. The average house value according to local real estate values is around $459,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode20,303
Persons Per Household2.49
Average House Value$459,100
Income Per Household$74190
Median Age41.7
Median Age Male40.8
Median Age Female42.6
97702 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityBend
City Alias NameBEND
CountyDeschutes
County FIPS017
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA13460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBend, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses2160
Number Of Employees17460
Business First Quarter Payroll190814
Business Annual Payroll862455
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population157733
CBSA Division Population0
Congressional District02
Congressional LandArea69442.78
Delivery Residential23043
Delivery Business1729
Delivery Total35630
Preferred Last Line KeyZ14765
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14765
Land Area103.495000
Water Area0.199000
City Alias Code
City Mixed CaseBend
City Alias Mixed CaseBend
Box Count0
SFDU7369
MFDU1574
State ANSI41
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number400736
Unique ZIP Name
SSA State County Code38080
Medicare CBSA Code13460
Medicare CBSA NameBend, OR
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseDeschutes

Oregon Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 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 […]