98103 Home Insurance Rates

For homeowners living in 98103, the population estimates are increasing to well over 53,056 with 25,414 occupied homes within the zip code of 98103. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Seattle have increased and the average home insurance premium is around $789 per year in 98103. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 98103 zip code today so we can help you find affordable Seattle, WA home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 98103

Please select one of the three options below based on your 98103 zip code to learn more about Washington homeowners insurance, plus review average rates and information per state, county or city.

98103 Average Home Insurance Rating Cost is: Very Low!

Getting cheaper homeowners insurance in the 98103 zip code just got easier with GetHomeInsuranceQuotes.com of Seattle, WA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 98103 today and let us help you review the best home insurance quotes available for homeowners living in Seattle.

Get 98103 Homeowners Insurance Rates Now!

98103 Home Insurance Average Premiums

Local 98103 homeowners insurance quotes comparison

$539 /yr.

Shows Zip Code: 98103 lowest rates with discounts applied on average.

For the 98103, 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)	$539 /yr.
Average Coverage:	$789 /yr.
2600 sq. ft. or higher (all discounts applied)	$1089 /yr.

What is the average home insurance cost for a home in 98103?

• The average homeowners insurance premium paid annually for a home in 98103 is around $789 per year.

What does it cost on average per month for home insurance in 98103?

• Homeowners in 98103 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 98103?

• Autoowners in 98103 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 Seattle area, check out other zip codes nearby 98103.
Review average rates in another zip code:
98148 homeowners insurance rates
98134 homeowners insurance rates
98199 homeowners insurance rates
98146 homeowners insurance rates
98198 homeowners insurance rates
98104 homeowners insurance rates
98101 homeowners insurance rates
98188 homeowners insurance rates
98117 homeowners insurance rates
98108 homeowners insurance rates

Home Replacement Cost Coverage in 98103

Average Building Cost Per Square Foot in 98103: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98103: 3,506 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98103 before you start any project. Seattle homeowners pay on average around $242 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 98103 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 98103 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,506 sq. ft. and the average cost to rebuild the home in this area is around $242 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 Seattle 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	$242	3,506	$848,500
Additional Upgrades & Added Features	$303	3,506	$1,060,625
Major Home Updates or Advancements	$363	3,506	$1,272,750

Calculate Your Dwelling Coverage in 98103

It's important to understand that when you estimate your replacement cost of your home in the 98103 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 Home & Auto Insurance Agencies in 98103

Maureen Healy- Farmers Insurance

Address: 4000 Aurora Ave N, Ste 105 Seattle, WA 98103
Phone:
Website: http://www.seattle.citysearch.com/profile/663686290/seattle_wa/maureen_healy_farmers_insurance.html
Info:

Erica Hedin- Farmers Insurance

Address: 7903 Aurora Ave N Seattle, WA 98103
Phone:
Website: http://www.seattle.citysearch.com/profile/668177170/seattle_wa/erica_hedin_farmers_insurance.html
Info:

State Farm Insurance : Seattle

Address: 8520 Evanston Ave N Seattle, WA 98103
Phone:
Website: http://www.myseattleinsurance.com/
Info:

Vern Fonk Insurance

Address: 9622 Aurora Ave N Seattle, WA 98103
Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/vern_fonk_insurance-b940814&mkt=63801
Info:

Allstate Insurance Companies

Address: 4024 Aurora Ave N Seattle, WA 98103
Phone:
Website:
Info:

Housing Demographics for 98103

Population Review for 98103 Zip Code

For the city of Seattle, the population within 98103 has increased to over 54,480 residents in population size. The current population total is 53,056. We have broken down the population based on race below. In 98103, there are over 26000 in male population and 27056 females.

Population	Values
Total Population	53,056
White Population	38940
Black Population	1269
Hispanic Population	3657
Asian Population	5547
Hawaiian Population	88
Indian Population	296
Other Population	1297
Male Population	26000
Female Population	27056
Population Estimate	54480

Household Data for 98103

The average number of homes in 98103 is around 25,414, there are an average of 2.06 per household. The average house value according to local real estate values is around $848,500. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	25,414
Persons Per Household	2.06
Average House Value	$848,500
Income Per Household	$113443
Median Age	34.2
Median Age Male	34.4
Median Age Female	34.1

98103 Details	Values
State	WA
State Full Name	Washington
City Type	P
City Alias Abbreviation
Area Code	206
City	Seattle
City Alias Name	SEATTLE
County	King
County FIPS	033
State FIPS	53
Time Zone	8
Day Light Saving	Y
MSA	7602
PMSA	7600
CSA	500
CBSA	42660
CBSA_DIV	42644
CBSA_Type	Metro
CBSA_Name	Seattle-Tacoma-Bellevue, WA
MSA_Name	Seattle-Tacoma-Bremerton, WA CMSA
PMSA_Name	Seattle-Bellevue-Everett, WA PMSA
Region	West
Division	Pacific
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1984
Number Of Employees	23308
Business First Quarter Payroll	935629
Business Annual Payroll	3916261
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	3439809
CBSA Division Population	1931249
Congressional District	07
Congressional LandArea	144.13
Delivery Residential	26447
Delivery Business	1968
Delivery Total	29809
Preferred Last Line Key	Z17429
Classification Code
Multi-County
CSA Name	Seattle-Tacoma, WA
CBSA_DIV_Name	Seattle-Bellevue-Kent, WA
City State Key	Z17429
Land Area	4.585000
Water Area	0.643000
City Alias Code
City Mixed Case	Seattle
City Alias Mixed Case	Seattle
Box Count	407
SFDU	13177
MFDU	11591
State ANSI	53
County ANSI	033
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	547616
Unique ZIP Name
SSA State County Code	50160
Medicare CBSA Code	42644
Medicare CBSA Name	Seattle-Bellevue-Kent, WA
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	King

Washington Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

Home Insurance Quotes in 98103!