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97721 Home Insurance Rates & Premiums

Did you know there are over 217 people living within the 97721 zip code area? There are over 99 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 97721.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Oregon are on the rise. The estimated average premium is around $560 a year for a standard homeowners insurance policy in Princeton. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Princeton, OR Homeowners Insurance Quotes Online

97721 Home Insurance Average Premiums

Local 97721 homeowners insurance quotes comparison

$310 /yr.

Shows Zip Code: 97721 lowest rates with discounts applied on average.

For the 97721, 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)		$310 /yr.
Average Coverage:$560 /yr.
2600 sq. ft. or higher
(all discounts applied)		$860 /yr.

What is the average home insurance cost for a home in 97721?

  • • The average homeowners insurance premium paid annually for a home in 97721 is around $560 per year.

What does it cost on average per month for home insurance in 97721?

  • • Homeowners in 97721 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 97721?

  • • Autoowners in 97721 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 Princeton area, check out other zip codes nearby 97721.
Review average rates in another zip code:
97721 homeowners insurance rates

Home Replacement Cost Coverage in 97721

Average Building Cost Per Square Foot in 97721: $221

Location: Princeton, Oregon (Harney County)

Average Square Footage in 97721: 1,244 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97721 before you start any project. Princeton 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 97721 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 97721 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,244 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 Princeton 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$2211,244$275,000
Additional Upgrades & Added Features$2761,244$343,750
Major Home Updates or Advancements$3321,244$412,500

It's important to understand that when you estimate your replacement cost of your home in the 97721 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 97721

Best Home & Auto Insurance Agencies in 97721

Housing Demographics for 97721

Population Review for 97721 Zip Code

For the city of Princeton, the population within 97721 has increased to over 153 residents in population size. The current population total is 217. We have broken down the population based on race below. In 97721, there are over 128 in male population and 89 females.

PopulationValues
Total Population217
White Population195
Black Population1
Hispanic Population10
Asian Population0
Hawaiian Population0
Indian Population1
Other Population2
Male Population128
Female Population89
Population Estimate153

Household Data for 97721

The average number of homes in 97721 is around 99, there are an average of 2.19 per household. The average house value according to local real estate values is around $275,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode99
Persons Per Household2.19
Average House Value$275,000
Income Per Household$50313
Median Age41.5
Median Age Male39.5
Median Age Female42.4
97721 DetailsValues
StateOR
State Full NameOregon
City TypeC
City Alias Abbreviation
Area Code541
CityPrinceton
City Alias NamePRINCETON
CountyHarney
County FIPS025
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees15
Business First Quarter Payroll84
Business Annual Payroll631
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea69442.78
Delivery Residential70
Delivery Business4
Delivery Total168
Preferred Last Line KeyZ15419
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ15419
Land Area1588.078000
Water Area22.186000
City Alias Code
City Mixed CasePrinceton
City Alias Mixed CasePrinceton
Box Count0
SFDU57
MFDU13
State ANSI41
County ANSI025
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number401216
Unique ZIP Name
SSA State County Code38120
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseHarney

Oregon Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]