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98204 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 98204? There are over 17,586 occupied homes in the 98204 area. With a population size of 44,810, it's not uncommon for residence of Everett, WA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Washington is around $661 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 98204 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Everett, WA Home Insurance Rate Quotes

98204 Home Insurance Average Premiums

Local 98204 homeowners insurance quotes comparison

$411 /yr.

Shows Zip Code: 98204 lowest rates with discounts applied on average.

For the 98204, 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)		$411 /yr.
Average Coverage:$661 /yr.
2600 sq. ft. or higher
(all discounts applied)		$961 /yr.

What is the average home insurance cost for a home in 98204?

  • • The average homeowners insurance premium paid annually for a home in 98204 is around $661 per year.

What does it cost on average per month for home insurance in 98204?

  • • Homeowners in 98204 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 98204?

  • • Autoowners in 98204 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 Everett area, check out other zip codes nearby 98204.
Review average rates in another zip code:
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98203 homeowners insurance rates

Home Replacement Cost Coverage in 98204

Average Building Cost Per Square Foot in 98204: $242

Location: Everett, Washington (Snohomish County)

Average Square Footage in 98204: 1,259 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98204 before you start any project. Everett 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 98204 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 98204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,259 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 Everett 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$2421,259$304,600
Additional Upgrades & Added Features$3031,259$380,750
Major Home Updates or Advancements$3631,259$456,900

It's important to understand that when you estimate your replacement cost of your home in the 98204 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 98204

Allstate Insurance - Phil Tourtellot

Address: 12025 Hwy. 99 S. Everett, WA 98204
Phone: (425)772-0064
Website:

Bledsoe Insurance

Address: 1710 100th Pl SE Suite 107 Everett, WA 98204
Phone: (425)385-2000
Website: www.farmers.com

Best Home & Auto Insurance Agencies in 98204

Allstate Insurance - Phil Tourtellot

Address: 12025 Highway 99 Everett, WA 98204
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 10525 Evergreen Way Everett, WA 98204
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 98204

Population Review for 98204 Zip Code

For the city of Everett, the population within 98204 has increased to over 45,752 residents in population size. The current population total is 44,810. We have broken down the population based on race below. In 98204, there are over 22666 in male population and 22144 females.

PopulationValues
Total Population44,810
White Population20617
Black Population4197
Hispanic Population11450
Asian Population6314
Hawaiian Population725
Indian Population700
Other Population6489
Male Population22666
Female Population22144
Population Estimate45752

Household Data for 98204

The average number of homes in 98204 is around 17,586, there are an average of 2.53 per household. The average house value according to local real estate values is around $304,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,586
Persons Per Household2.53
Average House Value$304,600
Income Per Household$59506
Median Age33.4
Median Age Male32.8
Median Age Female34.1
98204 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code425
CityEverett
City Alias NameEVERETT
CountySnohomish
County FIPS061
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA7600
CSA500
CBSA42660
CBSA_DIV21794
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 Businesses951
Number Of Employees48388
Business First Quarter Payroll1161490
Business Annual Payroll4298417
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 Population713335
Congressional District01|02
Congressional LandArea6186.47|1015.02
Delivery Residential18084
Delivery Business898
Delivery Total22069
Preferred Last Line KeyZ16763
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameEverett, WA
City State KeyZ16763
Land Area7.183000
Water Area0.000000
City Alias Code
City Mixed CaseEverett
City Alias Mixed CaseEverett
Box Count342
SFDU2089
MFDU10178
State ANSI53
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number542772
Unique ZIP Name
SSA State County Code50300
Medicare CBSA Code42644
Medicare CBSA NameSeattle-Bellevue-Kent, WA
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseSnohomish

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 […]