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98115, WA Homeowners Insurance Rates

With a population size of 54,322 and with 23,605 occupied homes in the 98115 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Seattle, WA are around $828 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Seattle, Washington. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Washington home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Seattle, WA.

For Washington home insurance information, including average Seattle home insurance rates, coverage options or the different homeowners insurance types, please select Seattle, WA Home Insurance Quotes Now!

98115 Home Insurance Average Premiums

Local 98115 homeowners insurance quotes comparison

$578 /yr.

Shows Zip Code: 98115 lowest rates with discounts applied on average.

For the 98115, 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)		$578 /yr.
Average Coverage:$828 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1128 /yr.

What is the average home insurance cost for a home in 98115?

  • • The average homeowners insurance premium paid annually for a home in 98115 is around $828 per year.

What does it cost on average per month for home insurance in 98115?

  • • Homeowners in 98115 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 98115?

  • • Autoowners in 98115 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 98115.
Review average rates in another zip code:
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98112 homeowners insurance rates

Home Replacement Cost Coverage in 98115

Average Building Cost Per Square Foot in 98115: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98115: 3,680 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98115 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 98115 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 98115 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,680 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2423,680$890,500
Additional Upgrades & Added Features$3033,680$1,113,125
Major Home Updates or Advancements$3633,680$1,335,750

It's important to understand that when you estimate your replacement cost of your home in the 98115 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 98115

Allstate Insurance - Roger Belvill

Address: 8212 35Th Ave Ne Seattle, WA 98115
Phone: (206)522-7752
Website:

Allstate Insurance - Greg Wadsworth

Address: 8212 35th Ave Ne Seattle, WA 98115
Phone: (206)522-7752
Website: agent.allstate.com/10707

Allstate Insurance-Roger Belvill--Seattle NW Insurance Services- Inc.

Address: 8212 35th Ave Ne Seattle, WA 98115
Phone: (206)522-7752
Website: agent.allstate.com/22354

Best Home & Auto Insurance Agencies in 98115

Allstate Insurance Company - Paul Vogel

Address: 6818 Roosevelt Way NE Seattle, WA 98115
Phone:
Website: http://www.seattle.citysearch.com/profile/external/604022842/seattle_wa/allstate_insurance_company_paul_vogel.html
Info:

Allstate Insurance - Greg Wadsworth

Address: 8212 35th Ave NE Seattle, WA 98115
Phone:
Website: http://www.agent.allstate.com/10707
Info:

ROBERT SCHEUFFELE-FARMERS INSURANCE

Address: 9750 3rd Ave NE, Ste 105 Seattle, WA 98115
Phone:
Website: http://www.seattle.citysearch.com/profile/external/10791337/seattle_wa/robert_scheuffele_farmers_insurance.html
Info:

American Family Insurance - Sean Swift

Address: 903 NE 65th St Seattle, WA 98115
Phone:
Website:
Info:

Samuel Lowe- Farmers Insurance

Address: 434 NE Ravenna Blvd Seattle, WA 98115
Phone:
Website: http://www.seattle.citysearch.com/profile/663676160/seattle_wa/samuel_lowe_farmers_insurance.html
Info:

Housing Demographics for 98115

Population Review for 98115 Zip Code

For the city of Seattle, the population within 98115 has increased to over 57,776 residents in population size. The current population total is 54,322. We have broken down the population based on race below. In 98115, there are over 26323 in male population and 27999 females.

PopulationValues
Total Population54,322
White Population38086
Black Population1369
Hispanic Population3346
Asian Population7249
Hawaiian Population113
Indian Population244
Other Population1086
Male Population26323
Female Population27999
Population Estimate57776

Household Data for 98115

The average number of homes in 98115 is around 23,605, there are an average of 2.29 per household. The average house value according to local real estate values is around $890,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode23,605
Persons Per Household2.29
Average House Value$890,500
Income Per Household$128443
Median Age36.0
Median Age Male35.7
Median Age Female36.3
98115 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code206
CitySeattle
City Alias NameSEATTLE
CountyKing
County FIPS033
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA7600
CSA500
CBSA42660
CBSA_DIV42644
CBSA_TypeMetro
CBSA_NameSeattle-Tacoma-Bellevue, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameSeattle-Bellevue-Everett, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1327
Number Of Employees9761
Business First Quarter Payroll174008
Business Annual Payroll659338
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3439809
CBSA Division Population1931249
Congressional District07
Congressional LandArea144.13
Delivery Residential25230
Delivery Business882
Delivery Total26761
Preferred Last Line KeyZ17429
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameSeattle-Bellevue-Kent, WA
City State KeyZ17429
Land Area6.556000
Water Area1.998000
City Alias Code
City Mixed CaseSeattle
City Alias Mixed CaseSeattle
Box Count405
SFDU15082
MFDU8316
State ANSI53
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number547616
Unique ZIP Name
SSA State County Code50160
Medicare CBSA Code42644
Medicare CBSA NameSeattle-Bellevue-Kent, WA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseKing

Washington Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]