Get multiple home insurance quotes in 98276. Our licensed 98276, WA agents are ready to serve you.

98276 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 98276? Our rates are very competitive for homeowners living in Nooksack, WA. Many homeowners based out of your 98276 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 homeowners 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 98276 should appear in the zip code field ready to go. For Nooksack, WA Home Insurance Rate Quotes click to review the best rates and service online!

98276 Average Premium is Rated: Very Low!

Homeowners living in 98276 can easily save up to 40% off the average home insurance premium of $706 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Nooksack that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 98276 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 98276!

98276 Home Insurance Average Premiums

Local 98276 homeowners insurance quotes comparison

$456 /yr.

Shows Zip Code: 98276 lowest rates with discounts applied on average.

For the 98276, 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)
$456 /yr.
Average Coverage:$706 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1006 /yr.

What is the average home insurance cost for a home in 98276?

  • • The average homeowners insurance premium paid annually for a home in 98276 is around $706 per year.

What does it cost on average per month for home insurance in 98276?

  • • Homeowners in 98276 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 98276?

  • • Autoowners in 98276 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 Nooksack area, check out other zip codes nearby 98276.
Review average rates in another zip code:
98276 homeowners insurance rates

Home Replacement Cost Coverage in 98276

Average Building Cost Per Square Foot in 98276: $242

Location: Nooksack, Washington (Whatcom County)

Average Square Footage in 98276: 1,345 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98276 before you start any project. Nooksack 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 98276 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 98276 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,345 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 Nooksack 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$2421,345$325,400
Additional Upgrades & Added Features$3031,345$406,750
Major Home Updates or Advancements$3631,345$488,100

It's important to understand that when you estimate your replacement cost of your home in the 98276 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 98276

Best Home & Auto Insurance Agencies in 98276

Housing Demographics for 98276

Population Review for 98276 Zip Code

For the city of Nooksack, the population within 98276 has increased to over 1,527 residents in population size. The current population total is 1,434. We have broken down the population based on race below. In 98276, there are over 712 in male population and 722 females.

PopulationValues
Total Population1,434
White Population1149
Black Population4
Hispanic Population213
Asian Population14
Hawaiian Population3
Indian Population17
Other Population99
Male Population712
Female Population722
Population Estimate1527

Household Data for 98276

The average number of homes in 98276 is around 484, there are an average of 2.96 per household. The average house value according to local real estate values is around $325,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode484
Persons Per Household2.96
Average House Value$325,400
Income Per Household$67109
Median Age33.9
Median Age Male33.2
Median Age Female35.2
98276 DetailsValues
StateWA
State Full NameWashington
City TypeN
City Alias Abbreviation
Area Code360/564
CityNooksack
City Alias NameNOOKSACK
CountyWhatcom
County FIPS073
State FIPS53
Time Zone8
Day Light SavingY
MSA0860
PMSA
CSA
CBSA13380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBellingham, WA
MSA_NameBellingham, WA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses27
Number Of Employees122
Business First Quarter Payroll1105
Business Annual Payroll5085
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population201140
CBSA Division Population0
Congressional District02
Congressional LandArea1015.02
Delivery Residential516
Delivery Business14
Delivery Total5596
Preferred Last Line Key014811
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key014811
Land Area0.707000
Water Area0.000000
City Alias Code
City Mixed CaseNooksack
City Alias Mixed CaseNooksack
Box Count71
SFDU206
MFDU0
State ANSI53
County ANSI073
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number542786
Unique ZIP Name
SSA State County Code50360
Medicare CBSA Code13380
Medicare CBSA NameBellingham, WA
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseWhatcom

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 […]