Ione, OR Home Insurance Quotes!
Homeowners living in Ione, OR can find more affordable home insurance premiums when they shop multiple insurance companies with GetHomeInsuranceQuotes.com. We can compare cost amongst different providers, but can also review better coverage options. Savings for Ione residents also comes in when you apply the available discounts and credits toward your home insurance policy.
Ione's Average Homeowners Premiums & Discounts
Residents of Ione are lower than average when it comes to the cost of insuring their home. Ione ranks number 51 in a recent study with the average premium coming in at $527 per year or around $44 per month. With a slightly increased deductible and applying discounts, customers are seeing rates much lower around $277 per year.
While Ione homeowners already enjoy pretty reasonable homeowners rates, there are always ways to find more affordable home insurance coverage. Opting to receive your bills and policies via email instead of through snail mail will garner a small discount, somewhere in the range of 5 percent.
Paying your annual premium up front can also result in a small discount. Experts recommend paying in full if you can afford it. While neither of these discounts is huge on their own, added up they can make a real difference. Please visit our homeowners insurance discounts page to learn how to easy it is to cost on your premium.
Factors to Consider in Ione, OR
Ione’s crime rate is slightly above other areas in Oregon. Despite the fact that Ione is a pretty safe place to live, crime can definitely affect your homeowner rates. When shopping for a new home, check crime rates online and request free quotes from us to get an idea of insurance costs in that area.
Most insurance experts advise consumers to shop their insurance at least once a year. If you are currently shopping your policy for your home in Ione, we can help. The online quoting process is free, quick and easy. Our insurance partners are top rated carriers who have been in business for several decades and will provide you with the best rates available. Start your Ione, OR home insurance quote today by entering your zip code. Or give us a call now for free home insurance quotes 1-855-976-2656!
Ione, OR Home Facts
The city of Ione in Oregon is roughly around 329 residents in population size with 132 occupied homes within the city of Ione. The average family household in Ione is 90.
| Demographic | Values |
|---|---|
| Population | 329 |
| Total Occupied Households | 132 |
| Family Households (families) | 90 |
| Average Owner Occupied Household Size | 2.48 |
| Average Family Size | 3.03 |
| Total Housing Units | 154 |
Compare Homeowners Insurance Rates in Ione, OR!
Get up to 12 competitive Ione, OR homeowners insurance rates all in one place! |
Average Rates Nearby Ione
Are you looking for homeowners insurance in a city near Ione? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
- Boardman, OR Home Insurance Quotes
- Heppner, OR Home Insurance Quotes
- Irrigon, OR Home Insurance Quotes
- Lexington, OR Home Insurance Quotes
Home Insurance Rates by Zipcode in Ione, OR
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Ione.
Ione, OR Home Insurance Average Premiums
$277 /yr.
For the city of Ione, 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) | $277 /yr. |
| Average Coverage: | $527 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $827 /yr. |
What is the average home insurance cost for a home in Ione, OR?
- • The average homeowners insurance premium paid annually for a home in Ione is around $527 per year.
What does it cost on average per month for home insurance in Ione, OR?
- • Homeowners in Ione pay an average cost per month around $44.00 for insurance coverage.
Ione, OR - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $0 | $0 |
| February | $0 | $0 |
| March | $0 | $0 |
| April | $0 | $0 |
Homeowners insurance will help cover the cost to repair or replace your Ione 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 Ione
- 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 Ione, OR homeowners insurance rates all in one place! |
Saving Money Tips on Ione Home Insurance
A great way to save money on Ione 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 Ione 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 |
|---|---|---|
| 1560 ft. | This is the average home elevation in Ione, 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 Ione, 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 Morrow County.
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 […]
-
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 […]
-
What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024
As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic. Following is a brief overview of what to do […]
Ione, OR Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Ione 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 Ione, OR?
- The average square footage in Ione is around 703 Sq. Ft. which would cost you around $155,400 to replace the home if you base the home on the price to build per square foot of $221.
Minimum Replacement Cost Total: $155,400
Location: Ione, Oregon (Morrow County)
Average Building Cost Per Square Foot in Ione: $221 (low end)
Average Square Footage in Ione: 703 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $221 | $155,400 |
| Some Additional Upgrades | $276 | $194,250 |
| Major Home Updates or Advancements | $332 | $233,100 |
The dwelling coverage is calculated by the average cost per square foot ($221) in Ione, 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.