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Home Insurance in 97843

Our rates are very competitive for homeowners living in the 97843 zip code. Many homeowners based out of Ione, 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 97843 should appear in the zip code field ready to go.

97843 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Ione area? The average homeowners premium in 97843 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 97843, you can expect to pay around $568 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 97843

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 97843 home insurance shopping today!

  1. Ione, OR Home Insurance Quotes

97843 Home Insurance Average Premiums

Local 97843 homeowners insurance quotes comparison

$318 /yr.

Shows Zip Code: 97843 lowest rates with discounts applied on average.

For the 97843, 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)
$318 /yr.
Average Coverage:$568 /yr.
2600 sq. ft. or higher
(all discounts applied)
$868 /yr.

What is the average home insurance cost for a home in 97843?

  • • The average homeowners insurance premium paid annually for a home in 97843 is around $568 per year.

What does it cost on average per month for home insurance in 97843?

  • • Homeowners in 97843 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 97843?

  • • Autoowners in 97843 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 Ione area, check out other zip codes nearby 97843.
Review average rates in another zip code:
97843 homeowners insurance rates

Home Replacement Cost Coverage in 97843

Average Building Cost Per Square Foot in 97843: $221

Location: Ione, Oregon (Morrow County)

Average Square Footage in 97843: 841 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97843 before you start any project. Ione 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 97843 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 97843 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 841 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 Ione 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$221841$185,900
Additional Upgrades & Added Features$276841$232,375
Major Home Updates or Advancements$332841$278,850

It's important to understand that when you estimate your replacement cost of your home in the 97843 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 97843

Wheatland Insurance

Address: 265 N Main P.O. Box G Ione, OR 97843
Phone: (541)422-7410
Website:

Best Home & Auto Insurance Agencies in 97843

Housing Demographics for 97843

Population Review for 97843 Zip Code

For the city of Ione, the population within 97843 has increased to over 341 residents in population size. The current population total is 705. We have broken down the population based on race below. In 97843, there are over 386 in male population and 319 females.

PopulationValues
Total Population705
White Population568
Black Population3
Hispanic Population107
Asian Population1
Hawaiian Population0
Indian Population4
Other Population60
Male Population386
Female Population319
Population Estimate341

Household Data for 97843

The average number of homes in 97843 is around 266, there are an average of 2.65 per household. The average house value according to local real estate values is around $185,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode266
Persons Per Household2.65
Average House Value$185,900
Income Per Household$78750
Median Age45.8
Median Age Male45.8
Median Age Female45.8
97843 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541/458
CityIone
City Alias NameIONE
CountyMorrow
County FIPS049
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 Businesses13
Number Of Employees43
Business First Quarter Payroll504
Business Annual Payroll2027
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 Residential129
Delivery Business4
Delivery Total346
Preferred Last Line KeyZ15124
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ15124
Land Area372.339000
Water Area0.000000
City Alias Code
City Mixed CaseIone
City Alias Mixed CaseIone
Box Count189
SFDU124
MFDU5
State ANSI41
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number404160
Unique ZIP Name
SSA State County Code38240
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseMorrow

Oregon Homeowners Insurance News & Information

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