Get multiple home insurance quotes in 97801. Our licensed 97801, OR agents are ready to serve you.

Homeowners Insurance in 97801

For homeowners living in 97801, you want more affordable home insurance rates in Pendleton, right? Our rates are very competitive for homeowners living in the great city of Pendleton, OR. Many homeowners living in the 97801 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Oregon licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 97801 should appear in the zip code field ready to go. Comparing Pendleton, OR Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

97801 Home Insurance Costs Are Considered: Very Low!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Pendleton pay around $576 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Oregon home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 97801 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Pendleton homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Oregon home insurance premium today!

Get 97801 Homeowners Insurance Rates Now!

97801 Home Insurance Average Premiums

Local 97801 homeowners insurance quotes comparison

$326 /yr.

Shows Zip Code: 97801 lowest rates with discounts applied on average.

For the 97801, 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)
$326 /yr.
Average Coverage:$576 /yr.
2600 sq. ft. or higher
(all discounts applied)
$876 /yr.

What is the average home insurance cost for a home in 97801?

  • • The average homeowners insurance premium paid annually for a home in 97801 is around $576 per year.

What does it cost on average per month for home insurance in 97801?

  • • Homeowners in 97801 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 97801?

  • • Autoowners in 97801 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 Pendleton area, check out other zip codes nearby 97801.
Review average rates in another zip code:
97801 homeowners insurance rates

Home Replacement Cost Coverage in 97801

Average Building Cost Per Square Foot in 97801: $221

Location: Pendleton, Oregon (Umatilla County)

Average Square Footage in 97801: 960 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97801 before you start any project. Pendleton 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 97801 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 97801 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 960 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 Pendleton 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$221960$212,200
Additional Upgrades & Added Features$276960$265,250
Major Home Updates or Advancements$332960$318,300

It's important to understand that when you estimate your replacement cost of your home in the 97801 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 97801

Best Home & Auto Insurance Agencies in 97801

Allstate Insurance Company - Daryl Myers

Address: 253 SW 3rd St Pendleton, OR 97801
Phone:
Website: http://www.allstate.com/
Info:

Henderer Jr- Stanley E - State Farm Insurance Agent

Address: 33 SE Dorion Ave Pendleton, OR 97801
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

AAA Oregon

Address: 1729 SW Court Pl Pendleton, OR 97801
Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/aaa_oregon_idaho-b2177959&mkt=63801
Info:

Ceniga- Daniel - State Farm Insurance Agent

Address: 1704 SW Frazer Ave Pendleton, OR 97801
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

Country Financial

Address: 916 SW Court Ave Pendleton, OR 97801
Phone:
Website: http://www.countryfinancial.com/ern.lundeen
Info:

Housing Demographics for 97801

Population Review for 97801 Zip Code

For the city of Pendleton, the population within 97801 has increased to over 20,092 residents in population size. The current population total is 21,882. We have broken down the population based on race below. In 97801, there are over 11571 in male population and 10311 females.

PopulationValues
Total Population21,882
White Population16572
Black Population267
Hispanic Population2154
Asian Population205
Hawaiian Population45
Indian Population1970
Other Population1085
Male Population11571
Female Population10311
Population Estimate20092

Household Data for 97801

The average number of homes in 97801 is around 8,268, there are an average of 2.39 per household. The average house value according to local real estate values is around $212,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,268
Persons Per Household2.39
Average House Value$212,200
Income Per Household$64176
Median Age39.4
Median Age Male37.9
Median Age Female41.4
97801 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityPendleton
City Alias NamePENDLETON
CountyUmatilla
County FIPS059
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA25840
CBSA_DIV
CBSA_TypeMicro
CBSA_NameHermiston-Pendleton, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses550
Number Of Employees7942
Business First Quarter Payroll83432
Business Annual Payroll390494
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 Residential8407
Delivery Business666
Delivery Total9809
Preferred Last Line KeyZ15391
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ15391
Land Area496.186000
Water Area1.745000
City Alias Code
City Mixed CasePendleton
City Alias Mixed CasePendleton
Box Count561
SFDU5725
MFDU476
State ANSI41
County ANSI059
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number406624
Unique ZIP Name
SSA State County Code38290
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseUmatilla

Oregon Homeowners Insurance News & Information

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]