Arlington, OR Homeowners Insurance Rate Quotes!
In the great city of Arlington there are 586 people living in a variety of different property types. Some of you in Arlington are building your first single-family home. While others are looking for affordable home insurance quotes on your existing home or condo. While there are about 367 homes in the Arlington area, many of the ones that are currently occupied are in need of lower rates and better home insurance coverage. In the majority of these Arlington neighborhoods, the average family size is around 3 residents per house.
In Arlington, the average income per household is around $59,000. While this is a fairly high number, it is slightly below the national median. Luckily, the cost of owning a home in Arlington is fairly cheap, the average home price on the real estate market today is $118,100. Many residents living in Arlington like to use our online home insurance shopping service to get upfront rates before buying there first home. If you are shopping for a house, simply use our online quoting application to compare multiple rates for each "dream" house on your list. Our free consultation process helps you quickly review the best carrier and premium so you know the exact cost of home insurance. Some carriers are competitive in different areas, so if you are thinking about certain zip codes in Arlington, we help you decide which home will have the most affordable rates.
Arlington, OR Demographics and Household Facts
The city of Arlington is roughly around 586 residents in population growth with 256 occupied homes within the city of Arlington. The average family household in Arlington is 149.
| Demographic | Values |
|---|---|
| Population | 586 |
| Total Occupied Homes | 256 |
| Family Households (families) | 149 |
| Average Owner Occupied Household Size | 2.32 |
| Average Family Size | 2.92 |
| Total Housing Units | 315 |
Home Insurance In Arlington Is Lower Than Expected - Review Averages!
With the local real estate market booming, what better way to shop rates and coverages than with us at GetHomeInsuranceQuotes.com of Arlington. Average rates are around $561 per year. You can get rates as low as $311 per year. Larger homes in this area pay around $861 per year due to higher replacement cost coverage also known as dwelling coverage. This helps cover your expenses if you ever need to rely on your insurance company to replace or rebuild your home. This compares very favorably with the national average, which is $1,311 according to the latest data.
Oregon is now ranked number 51 in the United States for annual home insurance rates.
When it comes to Oregon home insurance, there are a variety of different policy types and each one is written for a certain type of home, condo or apartment. Having the right policy type is key to protecting your most valuable investment, your home.
Here is some information about the most common home insurance types in Arlington:
| Type | Description |
|---|---|
| HO-3 | The HO-3 is the most common type of home insurance coverage. The majority of homeowners carry this type of policy and it covers damage that is caused by all perils unless they are excluded within the policy. Damages that are caused by floods or earthquakes is always excluded on an HO-3 policy but there can be other exclusions as well. Make sure you ask the right questions and take the time to review your policy so you know what is covered. |
| HO-6 | Condos are a very popular housing option in Arlington. In addition to condos, it also protects co-ops. This insurance offers coverage for your personal belongings as well as the components of the building that you actually own. |
| HO-8 | Arlington is lucky to have a fair number of historical homes and if you own one, you may need a HO-8 policy. These policy types are specific to older homes where the replacement cost of the house may actually exceed the cash value of the home. These policies are affordable because the payout levels are less than the actual replacement cost of the house. In most cases, the need for an HO-8 policy arises when the house is more than 40 years old and doesn’t qualify for a HO-3 policy. These policies only cover 11 perils. |
| HO-4 | This policy type was designed for people that rent an apartment. It is often referred to as renters insurance. An HO-4 policy will pay out for damage to your personal property in your apartment and it also offers liability protection in the event that someone is injured in your apartment. |
Compare Homeowners Insurance Rates in Arlington, OR!
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Average Rates Nearby Arlington
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Home Insurance Rates by Zipcode in Arlington, OR
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Arlington, OR Home Insurance Average Premiums
$311 /yr.
For the city of Arlington, 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) | $311 /yr. |
| Average Coverage: | $561 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $861 /yr. |
What is the average home insurance cost for a home in Arlington, OR?
- • The average homeowners insurance premium paid annually for a home in Arlington is around $561 per year.
What does it cost on average per month for home insurance in Arlington, OR?
- • Homeowners in Arlington pay an average cost per month around $47.00 for insurance coverage.
Arlington, OR - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $289,876 | $270,370 |
| February | $289,033 | $274,259 |
| March | $289,940 | $277,495 |
| April | $293,721 | $280,883 |
Homeowners insurance will help cover the cost to repair or replace your Arlington home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Arlington
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Arlington, OR homeowners insurance rates all in one place! |
Saving Money Tips on Arlington Home Insurance
A great way to save money on Arlington homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Arlington area? Check out what homeowners are paying on average for Oregon homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 1135 ft. | This is the average home elevation in Arlington, OR | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Oregon flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Arlington, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Gilliam County.
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 […]
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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 […]
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Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024
Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]
Arlington, OR Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Arlington so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Arlington, OR?
- The average square footage in Arlington is around 534 Sq. Ft. which would cost you around $118,100 to replace the home if you base the home on the price to build per square foot of $221.
Minimum Replacement Cost Total: $118,100
Location: Arlington, Oregon (Gilliam County)
Average Building Cost Per Square Foot in Arlington: $221 (low end)
Average Square Footage in Arlington: 534 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $221 | $118,100 |
| Some Additional Upgrades | $276 | $147,625 |
| Major Home Updates or Advancements | $332 | $177,150 |
The dwelling coverage is calculated by the average cost per square foot ($221) in Arlington, Oregon times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $690,625 (Media price to build of $276 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.