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98118 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 98118 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Seattle, WA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 98118.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 98118 and start shopping.

Quickly and Easily Compare Average Rates for 98118

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Seattle, WA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 98118

Homeowners in Seattle are paying roughly $785 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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98118 Home Insurance Average Premiums

Local 98118 homeowners insurance quotes comparison

$535 /yr.

Shows Zip Code: 98118 lowest rates with discounts applied on average.

For the 98118, 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)		$535 /yr.
Average Coverage:$785 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1085 /yr.

What is the average home insurance cost for a home in 98118?

  • • The average homeowners insurance premium paid annually for a home in 98118 is around $785 per year.

What does it cost on average per month for home insurance in 98118?

  • • Homeowners in 98118 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 98118?

  • • Autoowners in 98118 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 98118.
Review average rates in another zip code:
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98108 homeowners insurance rates

Home Replacement Cost Coverage in 98118

Average Building Cost Per Square Foot in 98118: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98118: 2,616 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98118 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 98118 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 98118 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,616 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$2422,616$633,000
Additional Upgrades & Added Features$3032,616$791,250
Major Home Updates or Advancements$3632,616$949,500

It's important to understand that when you estimate your replacement cost of your home in the 98118 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 98118

Allstate Insurance - Asari Mohamath

Address: 6951 Martin Luther King Jr. Wy S. #206 Seattle, WA 98118
Phone: (206)725-1887
Website:

Best Home & Auto Insurance Agencies in 98118

Allstate Insurance - Asari Mohamath

Address: 6951 Martin Luther King Jr Way S, #S-206 Seattle, WA 98118
Phone:
Website:
Info:

Taylor, Jeffrey - State Farm Insurance Agent

Address: 4850 Rainier Ave S Seattle, WA 98118
Phone:
Website: http://www.citysearch.com/profile/external/605148002/seattle_wa/taylor_jeffrey_state_farm_insurance_agent.html
Info:

Lee, Helen - Met Life Auto & Home INS

Address: 7126 Martin Luther King Jr Way S, #202 Seattle, WA 98118
Phone:
Website: http://www.metlife.com/
Info:

B & H Insurance Services

Address: 8334 Rainier Ave S, Ste 200 Seattle, WA 98118
Phone:
Website:
Info:

Jeffrey Taylor State Farm Insurance

Address: 4409 50th Ave S Seattle, WA 98118
Phone:
Website: http://www.jeffreytaylorinsurance.com/
Info:

Housing Demographics for 98118

Population Review for 98118 Zip Code

For the city of Seattle, the population within 98118 has increased to over 52,210 residents in population size. The current population total is 47,504. We have broken down the population based on race below. In 98118, there are over 23257 in male population and 24247 females.

PopulationValues
Total Population47,504
White Population16116
Black Population10383
Hispanic Population4415
Asian Population13588
Hawaiian Population248
Indian Population362
Other Population2287
Male Population23257
Female Population24247
Population Estimate52210

Household Data for 98118

The average number of homes in 98118 is around 17,734, there are an average of 2.65 per household. The average house value according to local real estate values is around $633,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,734
Persons Per Household2.65
Average House Value$633,000
Income Per Household$94790
Median Age37.6
Median Age Male36.7
Median Age Female38.5
98118 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 Businesses929
Number Of Employees8179
Business First Quarter Payroll99410
Business Annual Payroll413523
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 District09
Congressional LandArea183.43
Delivery Residential19702
Delivery Business875
Delivery Total22217
Preferred Last Line KeyZ17429
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameSeattle-Bellevue-Kent, WA
City State KeyZ17429
Land Area6.241000
Water Area2.725000
City Alias Code
City Mixed CaseSeattle
City Alias Mixed CaseSeattle
Box Count535
SFDU11756
MFDU6339
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 […]