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Home Insurance in 97758

Our rates are very competitive for homeowners living in the 97758 zip code. Many homeowners based out of Riley, OR 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 home insurance quotes are free and our OR licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 97758 should appear in the zip code field ready to go.

97758 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Riley area? The average homeowners premium in 97758 is very low in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 97758, you can expect to pay around $570 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 97758

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Oregon. Start your 97758 home insurance shopping today!

  1. Riley, OR Home Insurance Quotes

97758 Home Insurance Average Premiums

Local 97758 homeowners insurance quotes comparison

$320 /yr.

Shows Zip Code: 97758 lowest rates with discounts applied on average.

For the 97758, 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)		$320 /yr.
Average Coverage:$570 /yr.
2600 sq. ft. or higher
(all discounts applied)		$870 /yr.

What is the average home insurance cost for a home in 97758?

  • • The average homeowners insurance premium paid annually for a home in 97758 is around $570 per year.

What does it cost on average per month for home insurance in 97758?

  • • Homeowners in 97758 pay a monthly average cost per month around $48.00.

What kind of discount could I get if I combine my home and auto insurance together in 97758?

  • • Autoowners in 97758 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 Riley area, check out other zip codes nearby 97758.
Review average rates in another zip code:
97758 homeowners insurance rates

Home Replacement Cost Coverage in 97758

Average Building Cost Per Square Foot in 97758: $221

Location: Riley, Oregon (Harney County)

Average Square Footage in 97758: 1,519 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97758 before you start any project. Riley 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 97758 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 97758 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,519 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 Riley 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$2211,519$335,700
Additional Upgrades & Added Features$2761,519$419,625
Major Home Updates or Advancements$3321,519$503,550

It's important to understand that when you estimate your replacement cost of your home in the 97758 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 97758

Best Home & Auto Insurance Agencies in 97758

Housing Demographics for 97758

Population Review for 97758 Zip Code

For the city of Riley, the population within 97758 has increased to over 107 residents in population size. The current population total is 123. We have broken down the population based on race below. In 97758, there are over 69 in male population and 54 females.

PopulationValues
Total Population123
White Population110
Black Population0
Hispanic Population4
Asian Population1
Hawaiian Population0
Indian Population1
Other Population4
Male Population69
Female Population54
Population Estimate107

Household Data for 97758

The average number of homes in 97758 is around 47, there are an average of 2.62 per household. The average house value according to local real estate values is around $335,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode47
Persons Per Household2.62
Average House Value$335,700
Income Per Household$28500
Median Age33.9
Median Age Male35.8
Median Age Female29.0
97758 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityRiley
City Alias NameRILEY
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential41
Delivery Business4
Delivery Total13588
Preferred Last Line KeyZ15443
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ15443
Land Area613.971000
Water Area0.905000
City Alias Code
City Mixed CaseRiley
City Alias Mixed CaseRiley
Box Count16
SFDU41
MFDU0
State ANSI41
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number407152
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 […]