Compare quotes for your home in 97846! Compare the best 12 carriers in minutes.
Homeowners Insurance in 97846
In Joseph, OR, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 97846 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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 the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 97846 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 97846 should appear in the zip code field ready to go.
97846 Homeowners Insurance Rates Are Considered: Very Low!
If your looking for a standard homeowners policy in Oregon, you are going to see rates around the average home insurance premium per year of $537. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Joseph home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.
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Best 3 Options to Compare in 97846
If you want homeowners insurance quotes within the city of Joseph or in the 97846 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Joseph, OR.
97846 Home Insurance Average Premiums
$287 /yr.
Shows Zip Code: 97846 lowest rates with discounts applied on average.
For the 97846, 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) | $287 /yr. |
| Average Coverage: | $537 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $837 /yr. |
What is the average home insurance cost for a home in 97846?
- • The average homeowners insurance premium paid annually for a home in 97846 is around $537 per year.
What does it cost on average per month for home insurance in 97846?
- • Homeowners in 97846 pay a monthly average cost per month around $45.00.
What kind of discount could I get if I combine my home and auto insurance together in 97846?
- • Autoowners in 97846 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 Joseph area, check out other zip codes nearby 97846.
Review average rates in another zip code:
97846 homeowners insurance rates
Home Replacement Cost Coverage in 97846
Average Building Cost Per Square Foot in 97846: $221
Location: Joseph, Oregon (Wallowa County)Average Square Footage in 97846: 1,431 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97846 before you start any project. Joseph 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 97846 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 97846 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,431 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 Joseph 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 | 1,431 | $316,300 |
| Additional Upgrades & Added Features | $276 | 1,431 | $395,375 |
| Major Home Updates or Advancements | $332 | 1,431 | $474,450 |
It's important to understand that when you estimate your replacement cost of your home in the 97846 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 97846
Best Home & Auto Insurance Agencies in 97846
Housing Demographics for 97846
Population Review for 97846 Zip Code
For the city of Joseph, the population within 97846 has increased to over 1,077 residents in population size. The current population total is 2,018. We have broken down the population based on race below. In 97846, there are over 963 in male population and 1055 females.
| Population | Values |
|---|---|
| Total Population | 2,018 |
| White Population | 1837 |
| Black Population | 2 |
| Hispanic Population | 68 |
| Asian Population | 10 |
| Hawaiian Population | 0 |
| Indian Population | 17 |
| Other Population | 36 |
| Male Population | 963 |
| Female Population | 1055 |
| Population Estimate | 1077 |
Household Data for 97846
The average number of homes in 97846 is around 958, there are an average of 2.08 per household. The average house value according to local real estate values is around $316,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 958 |
| Persons Per Household | 2.08 |
| Average House Value | $316,300 |
| Income Per Household | $65036 |
| Median Age | 57.4 |
| Median Age Male | 58.5 |
| Median Age Female | 56.3 |
| 97846 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | Joseph |
| City Alias Name | JOSEPH |
| County | Wallowa |
| County FIPS | 063 |
| 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 | 119 |
| Number Of Employees | 373 |
| Business First Quarter Payroll | 2380 |
| Business Annual Payroll | 13070 |
| 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 | 518 |
| Delivery Business | 17 |
| Delivery Total | 1484 |
| Preferred Last Line Key | Z15144 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15144 |
| Land Area | 449.849000 |
| Water Area | 2.495000 |
| City Alias Code | |
| City Mixed Case | Joseph |
| City Alias Mixed Case | Joseph |
| Box Count | 695 |
| SFDU | 490 |
| MFDU | 1 |
| State ANSI | 41 |
| County ANSI | 063 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 404368 |
| Unique ZIP Name | |
| SSA State County Code | 38310 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Wallowa |
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 […]