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98283 Home Insurance Quotes & Rates
Currently, the 227 homes within the 98283 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Washington is around $677 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Rockport, WA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 98283.
Washington is now ranking #43 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Rockport home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Washington has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 98283 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Rockport, Washington home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Rockport, WA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
98283 Home Insurance Average Premiums
$427 /yr.
Shows Zip Code: 98283 lowest rates with discounts applied on average.
For the 98283, 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) | $427 /yr. |
| Average Coverage: | $677 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $977 /yr. |
What is the average home insurance cost for a home in 98283?
- • The average homeowners insurance premium paid annually for a home in 98283 is around $677 per year.
What does it cost on average per month for home insurance in 98283?
- • Homeowners in 98283 pay a monthly average cost per month around $56.00.
What kind of discount could I get if I combine my home and auto insurance together in 98283?
- • Autoowners in 98283 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 Rockport area, check out other zip codes nearby 98283.
Review average rates in another zip code:
98283 homeowners insurance rates
Home Replacement Cost Coverage in 98283
Average Building Cost Per Square Foot in 98283: $242
Location: Rockport, Washington (Skagit County)Average Square Footage in 98283: 1,129 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98283 before you start any project. Rockport 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 98283 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 98283 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,129 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 Rockport 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 | 1,129 | $273,200 |
| Additional Upgrades & Added Features | $303 | 1,129 | $341,500 |
| Major Home Updates or Advancements | $363 | 1,129 | $409,800 |
It's important to understand that when you estimate your replacement cost of your home in the 98283 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 98283
Best Home & Auto Insurance Agencies in 98283
Housing Demographics for 98283
Population Review for 98283 Zip Code
For the city of Rockport, the population within 98283 has increased to over 300 residents in population size. The current population total is 473. We have broken down the population based on race below. In 98283, there are over 256 in male population and 217 females.
| Population | Values |
|---|---|
| Total Population | 473 |
| White Population | 419 |
| Black Population | 1 |
| Hispanic Population | 6 |
| Asian Population | 5 |
| Hawaiian Population | 0 |
| Indian Population | 8 |
| Other Population | 7 |
| Male Population | 256 |
| Female Population | 217 |
| Population Estimate | 300 |
Household Data for 98283
The average number of homes in 98283 is around 227, there are an average of 2.07 per household. The average house value according to local real estate values is around $273,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 227 |
| Persons Per Household | 2.07 |
| Average House Value | $273,200 |
| Income Per Household | $63917 |
| Median Age | 55.4 |
| Median Age Male | 57.3 |
| Median Age Female | 53.1 |
| 98283 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Rockport |
| City Alias Name | ROCKPORT |
| 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 | 9 |
| Number Of Employees | 38 |
| Business First Quarter Payroll | 291 |
| Business Annual Payroll | 1992 |
| 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 | 01|02 |
| Congressional LandArea | 6186.47|1015.02 |
| Delivery Residential | 145 |
| Delivery Business | 11 |
| Delivery Total | 442 |
| Preferred Last Line Key | Z17382 |
| Classification Code | |
| Multi-County | |
| CSA Name | Seattle-Tacoma, WA |
| CBSA_DIV_Name | |
| City State Key | Z17382 |
| Land Area | 467.981000 |
| Water Area | 7.851000 |
| City Alias Code | |
| City Mixed Case | Rockport |
| City Alias Mixed Case | Rockport |
| Box Count | 83 |
| SFDU | 124 |
| MFDU | 21 |
| State ANSI | 53 |
| County ANSI | 057 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 547322 |
| 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 […]