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Are you paying too much for homeowners insurance in 98232? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Bow, WA that provides all of the protection you need at a price that is affordable.
Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Washington licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.
Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 98232?
- Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
- Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
- Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.
Our service is always free so get started today. Free 98232 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 98232 and get ready to save.
3 Easy Ways To Save Money In 98232
These three links will help you explore home insurance quotes in 98232 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.
Get Your 98232 Home Insurance Costs Rated: very low!
The average price for a homeowners insurance policy in Bow is roughly $695. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.
If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.
98232 Home Insurance Average Premiums
$445 /yr.
Shows Zip Code: 98232 lowest rates with discounts applied on average.
For the 98232, 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) | $445 /yr. |
| Average Coverage: | $695 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $995 /yr. |
What is the average home insurance cost for a home in 98232?
- • The average homeowners insurance premium paid annually for a home in 98232 is around $695 per year.
What does it cost on average per month for home insurance in 98232?
- • Homeowners in 98232 pay a monthly average cost per month around $58.00.
What kind of discount could I get if I combine my home and auto insurance together in 98232?
- • Autoowners in 98232 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 Bow area, check out other zip codes nearby 98232.
Review average rates in another zip code:
98232 homeowners insurance rates
Home Replacement Cost Coverage in 98232
Average Building Cost Per Square Foot in 98232: $242
Location: Bow, Washington (Skagit County)Average Square Footage in 98232: 2,317 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98232 before you start any project. Bow 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 98232 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 98232 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,317 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 Bow 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 | 2,317 | $560,600 |
| Additional Upgrades & Added Features | $303 | 2,317 | $700,750 |
| Major Home Updates or Advancements | $363 | 2,317 | $840,900 |
It's important to understand that when you estimate your replacement cost of your home in the 98232 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 98232
Best Home & Auto Insurance Agencies in 98232
Housing Demographics for 98232
Population Review for 98232 Zip Code
For the city of Bow, the population within 98232 has increased to over 4,135 residents in population size. The current population total is 4,053. We have broken down the population based on race below. In 98232, there are over 2097 in male population and 1956 females.
| Population | Values |
|---|---|
| Total Population | 4,053 |
| White Population | 3465 |
| Black Population | 11 |
| Hispanic Population | 312 |
| Asian Population | 84 |
| Hawaiian Population | 8 |
| Indian Population | 29 |
| Other Population | 140 |
| Male Population | 2097 |
| Female Population | 1956 |
| Population Estimate | 4135 |
Household Data for 98232
The average number of homes in 98232 is around 1,607, there are an average of 2.50 per household. The average house value according to local real estate values is around $560,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,607 |
| Persons Per Household | 2.50 |
| Average House Value | $560,600 |
| Income Per Household | $94737 |
| Median Age | 50.3 |
| Median Age Male | 50.1 |
| Median Age Female | 50.6 |
| 98232 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Bow |
| City Alias Name | BOW |
| County | Skagit |
| County FIPS | 057 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 500 |
| CBSA | 34580 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Mount Vernon-Anacortes, WA |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 115 |
| Number Of Employees | 706 |
| Business First Quarter Payroll | 7278 |
| Business Annual Payroll | 32988 |
| 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 | 116901 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 1015.02 |
| Delivery Residential | 1654 |
| Delivery Business | 56 |
| Delivery Total | 1949 |
| Preferred Last Line Key | Z16522 |
| Classification Code | |
| Multi-County | |
| CSA Name | Seattle-Tacoma, WA |
| CBSA_DIV_Name | |
| City State Key | Z16522 |
| Land Area | 53.977000 |
| Water Area | 3.777000 |
| City Alias Code | |
| City Mixed Case | Bow |
| City Alias Mixed Case | Bow |
| Box Count | 177 |
| SFDU | 1560 |
| MFDU | 1 |
| State ANSI | 53 |
| County ANSI | 057 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 540812 |
| Unique ZIP Name | |
| SSA State County Code | 50280 |
| Medicare CBSA Code | 34580 |
| Medicare CBSA Name | Mount Vernon-Anacortes, WA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Skagit |
Washington Homeowners Insurance News & Information
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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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 […]
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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 […]