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Home Insurance in 98275

Our rates are very competitive for homeowners living in the 98275 zip code. Many homeowners based out of Mukilteo, WA 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 WA 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 98275 should appear in the zip code field ready to go.

98275 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Mukilteo area? The average homeowners premium in 98275 is very low in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 98275, you can expect to pay around $619 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 98275 Today!

Get Home Insurance Quotes in 98275

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Washington. Start your 98275 home insurance shopping today!

  1. Mukilteo, WA Home Insurance Quotes

98275 Home Insurance Average Premiums

Local 98275 homeowners insurance quotes comparison

$369 /yr.

Shows Zip Code: 98275 lowest rates with discounts applied on average.

For the 98275, 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)
$369 /yr.
Average Coverage:$619 /yr.
2600 sq. ft. or higher
(all discounts applied)
$919 /yr.

What is the average home insurance cost for a home in 98275?

  • • The average homeowners insurance premium paid annually for a home in 98275 is around $619 per year.

What does it cost on average per month for home insurance in 98275?

  • • Homeowners in 98275 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 98275?

  • • Autoowners in 98275 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 Mukilteo area, check out other zip codes nearby 98275.
Review average rates in another zip code:
98275 homeowners insurance rates

Home Replacement Cost Coverage in 98275

Average Building Cost Per Square Foot in 98275: $242

Location: Mukilteo, Washington (Snohomish County)

Average Square Footage in 98275: 2,753 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98275 before you start any project. Mukilteo 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 98275 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 98275 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,753 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 Mukilteo 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$2422,753$666,300
Additional Upgrades & Added Features$3032,753$832,875
Major Home Updates or Advancements$3632,753$999,450

It's important to understand that when you estimate your replacement cost of your home in the 98275 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 98275

Best Home & Auto Insurance Agencies in 98275

Housing Demographics for 98275

Population Review for 98275 Zip Code

For the city of Mukilteo, the population within 98275 has increased to over 21,964 residents in population size. The current population total is 21,642. We have broken down the population based on race below. In 98275, there are over 10711 in male population and 10931 females.

PopulationValues
Total Population21,642
White Population13876
Black Population546
Hispanic Population1582
Asian Population4238
Hawaiian Population55
Indian Population118
Other Population641
Male Population10711
Female Population10931
Population Estimate21964

Household Data for 98275

The average number of homes in 98275 is around 8,397, there are an average of 2.56 per household. The average house value according to local real estate values is around $666,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,397
Persons Per Household2.56
Average House Value$666,300
Income Per Household$109738
Median Age43.9
Median Age Male42.5
Median Age Female45.0
98275 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code425
CityMukilteo
City Alias NameMUKILTEO
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 Businesses683
Number Of Employees8066
Business First Quarter Payroll124442
Business Annual Payroll538427
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 District02
Congressional LandArea1015.02
Delivery Residential8580
Delivery Business592
Delivery Total12471
Preferred Last Line KeyZ17165
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameEverett, WA
City State KeyZ17165
Land Area7.311000
Water Area1.181000
City Alias Code
City Mixed CaseMukilteo
City Alias Mixed CaseMukilteo
Box Count722
SFDU1559
MFDU2038
State ANSI53
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number545726
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

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]