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Home Insurance Rates in 97907

For homeowners shopping online in 97907, our insurance rates are very competitive for homeowners living in Huntington, OR. Many homeowners based out of the great city of Huntington 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 97907, simply click the "Get Multiple Quotes Now" button. Your 97907 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Huntington, OR Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

97907 Home Insurance Rating is: Very Low!

If you live in 97907, you can easily save up to 40% off the average home insurance premium of $548 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 Huntington 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 97907 today!

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97907 Home Insurance Average Premiums

Local 97907 homeowners insurance quotes comparison

$298 /yr.

Shows Zip Code: 97907 lowest rates with discounts applied on average.

For the 97907, 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)
$298 /yr.
Average Coverage:$548 /yr.
2600 sq. ft. or higher
(all discounts applied)
$848 /yr.

What is the average home insurance cost for a home in 97907?

  • • The average homeowners insurance premium paid annually for a home in 97907 is around $548 per year.

What does it cost on average per month for home insurance in 97907?

  • • Homeowners in 97907 pay a monthly average cost per month around $46.00.

What kind of discount could I get if I combine my home and auto insurance together in 97907?

  • • Autoowners in 97907 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 Huntington area, check out other zip codes nearby 97907.
Review average rates in another zip code:
97907 homeowners insurance rates

Home Replacement Cost Coverage in 97907

Average Building Cost Per Square Foot in 97907: $221

Location: Huntington, Oregon (Baker County)

Average Square Footage in 97907: 430 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97907 before you start any project. Huntington 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 97907 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 97907 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 430 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 Huntington 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$221430$95,000
Additional Upgrades & Added Features$276430$118,750
Major Home Updates or Advancements$332430$142,500

It's important to understand that when you estimate your replacement cost of your home in the 97907 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 97907

Best Home & Auto Insurance Agencies in 97907

Housing Demographics for 97907

Population Review for 97907 Zip Code

For the city of Huntington, the population within 97907 has increased to over 227 residents in population size. The current population total is 587. We have broken down the population based on race below. In 97907, there are over 304 in male population and 283 females.

PopulationValues
Total Population587
White Population517
Black Population0
Hispanic Population23
Asian Population0
Hawaiian Population0
Indian Population7
Other Population6
Male Population304
Female Population283
Population Estimate227

Household Data for 97907

The average number of homes in 97907 is around 281, there are an average of 2.09 per household. The average house value according to local real estate values is around $95,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode281
Persons Per Household2.09
Average House Value$95,000
Income Per Household$31944
Median Age51.1
Median Age Male50.3
Median Age Female52.4
97907 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityHuntington
City Alias NameHUNTINGTON
CountyBaker
County FIPS001
State FIPS41
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA12520
CBSA_DIV
CBSA_TypeMicro
CBSA_NameBaker City, OR
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees27
Business First Quarter Payroll139
Business Annual Payroll762
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 Residential109
Delivery Business10
Delivery Total310
Preferred Last Line KeyZ15114
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ15114
Land Area368.199000
Water Area7.887000
City Alias Code
City Mixed CaseHuntington
City Alias Mixed CaseHuntington
Box Count182
SFDU95
MFDU1
State ANSI41
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number404064
Unique ZIP Name
SSA State County Code38000
Medicare CBSA Code99938
Medicare CBSA NameRural Areas in OR
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseBaker

Oregon Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]