Home Insurance Rates in 98277

For homeowners shopping online in 98277, our insurance rates are very competitive for homeowners living in Oak Harbor, WA. Many homeowners based out of the great city of Oak Harbor have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 98277, simply click the "Get Multiple Quotes Now" button. Your 98277 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Oak Harbor, WA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

98277 Home Insurance Rating is: Very Low!

If you live in 98277, you can easily save up to 40% off the average home insurance premium of $745 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Oak Harbor can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 98277 today!

Get Multiple Home Insurance Rates in 98277!

98277 Home Insurance Average Premiums

Local 98277 homeowners insurance quotes comparison

$495 /yr.

Shows Zip Code: 98277 lowest rates with discounts applied on average.

For the 98277, 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)	$495 /yr.
Average Coverage:	$745 /yr.
2600 sq. ft. or higher (all discounts applied)	$1045 /yr.

What is the average home insurance cost for a home in 98277?

• The average homeowners insurance premium paid annually for a home in 98277 is around $745 per year.

What does it cost on average per month for home insurance in 98277?

• Homeowners in 98277 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 98277?

• Autoowners in 98277 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 Oak Harbor area, check out other zip codes nearby 98277.
Review average rates in another zip code:
98277 homeowners insurance rates
98278 homeowners insurance rates

Home Replacement Cost Coverage in 98277

Average Building Cost Per Square Foot in 98277: $242

Location: Oak Harbor, Washington (Island County)

Average Square Footage in 98277: 1,419 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98277 before you start any project. Oak Harbor 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 98277 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 98277 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,419 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 Oak Harbor 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	1,419	$343,300
Additional Upgrades & Added Features	$303	1,419	$429,125
Major Home Updates or Advancements	$363	1,419	$514,950

Calculate Your Dwelling Coverage in 98277

It's important to understand that when you estimate your replacement cost of your home in the 98277 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 Home & Auto Insurance Agencies in 98277

GEICO Local Office

Address: 3161 Goldie Road Oak Harbor, WA 98277
Phone:
Website: http://www.national.citysearch.com/profile/external/664844040/oak_harbor_wa/geico_local_office.html
Info:

Tradewinds Insurance, Incorporated

Address: 31975 WA-20, Ste 5 Oak Harbor, WA 98277
Phone:
Website: http://www.tradewindsins.com/
Info:

ACE Cash Express

Address: 32650 State Route 20 Oak Harbor, WA 98277
Phone:
Website: http://www.national.citysearch.com/profile/666527130/oak_harbor_wa/ace_cash_express.html
Info:

Allstate Insurance Company - Matt Iverson

Address: 466 Northeast Midway Boulevard Oak Harbor, WA 98277
Phone:
Website: http://www.national.citysearch.com/profile/667491210/oak_harbor_wa/allstate_insurance_company_matt_iverson.html
Info:

Olive, Duane - State Farm Insurance Agent

Address: 788 Northeast Midway Boulevard Oak Harbor, WA 98277
Phone:
Website: http://www.national.citysearch.com/profile/external/604453042/oak_harbor_wa/olive_duane_state_farm_insurance_agent.html
Info:

Housing Demographics for 98277

Population Review for 98277 Zip Code

For the city of Oak Harbor, the population within 98277 has increased to over 42,832 residents in population size. The current population total is 41,517. We have broken down the population based on race below. In 98277, there are over 20783 in male population and 20734 females.

Population	Values
Total Population	41,517
White Population	28964
Black Population	1852
Hispanic Population	4866
Asian Population	3116
Hawaiian Population	311
Indian Population	408
Other Population	1513
Male Population	20783
Female Population	20734
Population Estimate	42832

Household Data for 98277

The average number of homes in 98277 is around 16,193, there are an average of 2.55 per household. The average house value according to local real estate values is around $343,300. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	16,193
Persons Per Household	2.55
Average House Value	$343,300
Income Per Household	$66552
Median Age	35.0
Median Age Male	34.0
Median Age Female	36.2

98277 Details	Values
State	WA
State Full Name	Washington
City Type	P
City Alias Abbreviation
Area Code	360/564
City	Oak Harbor
City Alias Name	OAK HARBOR
County	Island
County FIPS	029
State FIPS	53
Time Zone	8
Day Light Saving	Y
MSA	7602
PMSA	7600
CSA	500
CBSA	36020
CBSA_DIV
CBSA_Type	Micro
CBSA_Name	Oak Harbor, WA
MSA_Name	Seattle-Tacoma-Bremerton, WA CMSA
PMSA_Name	Seattle-Bellevue-Everett, WA PMSA
Region	West
Division	Pacific
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	669
Number Of Employees	5612
Business First Quarter Payroll	50675
Business Annual Payroll	221238
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	78506
CBSA Division Population	0
Congressional District	02
Congressional LandArea	1015.02
Delivery Residential	16797
Delivery Business	706
Delivery Total	18730
Preferred Last Line Key	Z17213
Classification Code
Multi-County
CSA Name	Seattle-Tacoma, WA
CBSA_DIV_Name
City State Key	Z17213
Land Area	57.251000
Water Area	13.884000
City Alias Code
City Mixed Case	Oak Harbor
City Alias Mixed Case	Oak Harbor
Box Count	837
SFDU	9286
MFDU	1206
State ANSI	53
County ANSI	029
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	546020
Unique ZIP Name
SSA State County Code	50140
Medicare CBSA Code	99950
Medicare CBSA Name	Rural Areas in WA
Medicare CBSA Type	Micro
Market Rating Area ID	8
County Mixed Case	Island

Washington Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Home Insurance Quotes in 98277!