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Quickly Revew Homeowners Insurance in 97836
If you own a home in Heppner, OR you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.
GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 97836 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Oregon licensed agents will also review your needs and make sure you have the appropriate coverage for your home.
If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 97836 and start comparing rates now.
97836 Homeowners Insurance Rates Are Considered: very low!
The average rate for a standard homeowners policy in 97836 is $559 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.
We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.
Get 97836 Home Insurance Rate Quotes Right Now!
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97836 Home Insurance Average Premiums
$309 /yr.
Shows Zip Code: 97836 lowest rates with discounts applied on average.
For the 97836, 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) | $309 /yr. |
| Average Coverage: | $559 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $859 /yr. |
What is the average home insurance cost for a home in 97836?
- • The average homeowners insurance premium paid annually for a home in 97836 is around $559 per year.
What does it cost on average per month for home insurance in 97836?
- • Homeowners in 97836 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 97836?
- • Autoowners in 97836 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 Heppner area, check out other zip codes nearby 97836.
Review average rates in another zip code:
97836 homeowners insurance rates
Home Replacement Cost Coverage in 97836
Average Building Cost Per Square Foot in 97836: $221
Location: Heppner, Oregon (Morrow County)Average Square Footage in 97836: 932 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97836 before you start any project. Heppner 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 97836 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 97836 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 932 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 Heppner 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $221 | 932 | $205,900 |
| Additional Upgrades & Added Features | $276 | 932 | $257,375 |
| Major Home Updates or Advancements | $332 | 932 | $308,850 |
It's important to understand that when you estimate your replacement cost of your home in the 97836 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 97836
Best Home & Auto Insurance Agencies in 97836
Housing Demographics for 97836
Population Review for 97836 Zip Code
For the city of Heppner, the population within 97836 has increased to over 788 residents in population size. The current population total is 1,985. We have broken down the population based on race below. In 97836, there are over 984 in male population and 1001 females.
| Population | Values |
|---|---|
| Total Population | 1,985 |
| White Population | 1775 |
| Black Population | 7 |
| Hispanic Population | 134 |
| Asian Population | 9 |
| Hawaiian Population | 0 |
| Indian Population | 12 |
| Other Population | 54 |
| Male Population | 984 |
| Female Population | 1001 |
| Population Estimate | 788 |
Household Data for 97836
The average number of homes in 97836 is around 870, there are an average of 2.26 per household. The average house value according to local real estate values is around $205,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 870 |
| Persons Per Household | 2.26 |
| Average House Value | $205,900 |
| Income Per Household | $42407 |
| Median Age | 47.8 |
| Median Age Male | 47.2 |
| Median Age Female | 49.9 |
| 97836 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | Heppner |
| City Alias Name | HEPPNER |
| County | Morrow |
| County FIPS | 049 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 25840 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Hermiston-Pendleton, OR |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 59 |
| Number Of Employees | 576 |
| Business First Quarter Payroll | 6392 |
| Business Annual Payroll | 25346 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 69442.78 |
| Delivery Residential | 349 |
| Delivery Business | 2 |
| Delivery Total | 1050 |
| Preferred Last Line Key | Z15097 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15097 |
| Land Area | 945.443000 |
| Water Area | 0.473000 |
| City Alias Code | |
| City Mixed Case | Heppner |
| City Alias Mixed Case | Heppner |
| Box Count | 589 |
| SFDU | 261 |
| MFDU | 25 |
| State ANSI | 41 |
| County ANSI | 049 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 403840 |
| Unique ZIP Name | |
| SSA State County Code | 38240 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Morrow |
Oregon Homeowners Insurance News & Information
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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 […]
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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 […]
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Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]