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Home Insurance Rates in 97845
For homeowners shopping online in 97845, our insurance rates are very competitive for homeowners living in John Day, OR. Many homeowners based out of the great city of John Day have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home 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 rates and coverage options are best suited for you and your family. To get free home insurance quotes in 97845, simply click the "Get Multiple Quotes Now" button. Your 97845 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. John Day, OR Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
97845 Home Insurance Rating is: Very Low!
If you live in 97845, you can easily save up to 40% off the average home insurance premium of $575 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in John Day can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 97845 today!
97845 Home Insurance Average Premiums
$325 /yr.
Shows Zip Code: 97845 lowest rates with discounts applied on average.
For the 97845, 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) | $325 /yr. |
| Average Coverage: | $575 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $875 /yr. |
What is the average home insurance cost for a home in 97845?
- • The average homeowners insurance premium paid annually for a home in 97845 is around $575 per year.
What does it cost on average per month for home insurance in 97845?
- • Homeowners in 97845 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 97845?
- • Autoowners in 97845 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 John Day area, check out other zip codes nearby 97845.
Review average rates in another zip code:
97845 homeowners insurance rates
Home Replacement Cost Coverage in 97845
Average Building Cost Per Square Foot in 97845: $221
Location: John Day, Oregon (Grant County)Average Square Footage in 97845: 696 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97845 before you start any project. John Day 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 97845 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 97845 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 696 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 John Day 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 | 696 | $153,900 |
| Additional Upgrades & Added Features | $276 | 696 | $192,375 |
| Major Home Updates or Advancements | $332 | 696 | $230,850 |
It's important to understand that when you estimate your replacement cost of your home in the 97845 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 97845
Best Home & Auto Insurance Agencies in 97845
Hueckman- Jeanette M - State Farm Insurance Agent
Address: 101 W Main St John Day, OR 97845Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 97845
Population Review for 97845 Zip Code
For the city of John Day, the population within 97845 has increased to over 2,553 residents in population size. The current population total is 2,653. We have broken down the population based on race below. In 97845, there are over 1303 in male population and 1350 females.
| Population | Values |
|---|---|
| Total Population | 2,653 |
| White Population | 2358 |
| Black Population | 7 |
| Hispanic Population | 96 |
| Asian Population | 20 |
| Hawaiian Population | 6 |
| Indian Population | 31 |
| Other Population | 33 |
| Male Population | 1303 |
| Female Population | 1350 |
| Population Estimate | 2553 |
Household Data for 97845
The average number of homes in 97845 is around 1,194, there are an average of 2.19 per household. The average house value according to local real estate values is around $153,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,194 |
| Persons Per Household | 2.19 |
| Average House Value | $153,900 |
| Income Per Household | $61583 |
| Median Age | 46.0 |
| Median Age Male | 46.2 |
| Median Age Female | 45.0 |
| 97845 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541 |
| City | John Day |
| City Alias Name | JOHN DAY |
| County | Grant |
| County FIPS | 023 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 125 |
| Number Of Employees | 1192 |
| Business First Quarter Payroll | 11332 |
| Business Annual Payroll | 49700 |
| 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 | 1166 |
| Delivery Business | 177 |
| Delivery Total | 2284 |
| Preferred Last Line Key | Z15139 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15139 |
| Land Area | 113.559000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | John Day |
| City Alias Mixed Case | John Day |
| Box Count | 285 |
| SFDU | 961 |
| MFDU | 62 |
| State ANSI | 41 |
| County ANSI | 023 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 404336 |
| Unique ZIP Name | |
| SSA State County Code | 38110 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Grant |
Oregon Homeowners Insurance News & Information
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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, […]
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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 […]