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98274 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 98274 zip code it's important to know that our rates are very competitive for homeowners living in Mount Vernon, WA. Many homeowners based out of your 98274 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Washington licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 98274 should appear in the zip code field ready to go. For Mount Vernon, WA Homeowners Insurance Quotes nearby, we offer the best rates and service.

98274: Average Home Insurance Rates

For homeowners living in the great city of Mount Vernon, the average homeowners policy is considered very low in comparison to other states. Washington premiums are estimated to be around $744 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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98274 Home Insurance Average Premiums

Local 98274 homeowners insurance quotes comparison

$494 /yr.

Shows Zip Code: 98274 lowest rates with discounts applied on average.

For the 98274, 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)		$494 /yr.
Average Coverage:$744 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1044 /yr.

What is the average home insurance cost for a home in 98274?

  • • The average homeowners insurance premium paid annually for a home in 98274 is around $744 per year.

What does it cost on average per month for home insurance in 98274?

  • • Homeowners in 98274 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 98274?

  • • Autoowners in 98274 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 Mount Vernon area, check out other zip codes nearby 98274.
Review average rates in another zip code:
98274 homeowners insurance rates
98273 homeowners insurance rates

Home Replacement Cost Coverage in 98274

Average Building Cost Per Square Foot in 98274: $242

Location: Mount Vernon, Washington (Skagit County)

Average Square Footage in 98274: 1,653 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98274 before you start any project. Mount Vernon 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 98274 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 98274 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,653 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 Mount Vernon 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$2421,653$400,000
Additional Upgrades & Added Features$3031,653$500,000
Major Home Updates or Advancements$3631,653$600,000

It's important to understand that when you estimate your replacement cost of your home in the 98274 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 98274

Best Home & Auto Insurance Agencies in 98274

Housing Demographics for 98274

Population Review for 98274 Zip Code

For the city of Mount Vernon, the population within 98274 has increased to over 19,398 residents in population size. The current population total is 18,949. We have broken down the population based on race below. In 98274, there are over 9165 in male population and 9784 females.

PopulationValues
Total Population18,949
White Population14069
Black Population134
Hispanic Population3785
Asian Population488
Hawaiian Population23
Indian Population247
Other Population1783
Male Population9165
Female Population9784
Population Estimate19398

Household Data for 98274

The average number of homes in 98274 is around 7,222, there are an average of 2.60 per household. The average house value according to local real estate values is around $400,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,222
Persons Per Household2.60
Average House Value$400,000
Income Per Household$83463
Median Age43.5
Median Age Male41.6
Median Age Female45.2
98274 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityMount Vernon
City Alias NameMOUNT VERNON
CountySkagit
County FIPS057
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA500
CBSA34580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMount Vernon-Anacortes, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses307
Number Of Employees4560
Business First Quarter Payroll67414
Business Annual Payroll305958
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population116901
CBSA Division Population0
Congressional District01|02
Congressional LandArea6186.47|1015.02
Delivery Residential7461
Delivery Business172
Delivery Total11291
Preferred Last Line KeyZ17160
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_Name
City State KeyZ17160
Land Area143.073000
Water Area2.642000
City Alias Code
City Mixed CaseMount Vernon
City Alias Mixed CaseMount Vernon
Box Count0
SFDU4301
MFDU339
State ANSI53
County ANSI057
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number545698
Unique ZIP Name
SSA State County Code50280
Medicare CBSA Code34580
Medicare CBSA NameMount Vernon-Anacortes, WA
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseSkagit

Washington Homeowners Insurance News & Information

  • 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, […]

  • 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 […]

  • 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 […]