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If you live in the 98305 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Beaver have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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98305 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 98305 the average premium for homeowners coverage is $716 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 98305. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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98305 Home Insurance Average Premiums
$466 /yr.
Shows Zip Code: 98305 lowest rates with discounts applied on average.
For the 98305, 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) | $466 /yr. |
| Average Coverage: | $716 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1016 /yr. |
What is the average home insurance cost for a home in 98305?
- • The average homeowners insurance premium paid annually for a home in 98305 is around $716 per year.
What does it cost on average per month for home insurance in 98305?
- • Homeowners in 98305 pay a monthly average cost per month around $60.00.
What kind of discount could I get if I combine my home and auto insurance together in 98305?
- • Autoowners in 98305 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 Beaver area, check out other zip codes nearby 98305.
Review average rates in another zip code:
98305 homeowners insurance rates
Home Replacement Cost Coverage in 98305
Average Building Cost Per Square Foot in 98305: $242
Location: Beaver, Washington (Clallam County)Average Square Footage in 98305: 682 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98305 before you start any project. Beaver 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 98305 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 98305 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 682 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 Beaver 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 | 682 | $165,000 |
| Additional Upgrades & Added Features | $303 | 682 | $206,250 |
| Major Home Updates or Advancements | $363 | 682 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 98305 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 98305
Best Home & Auto Insurance Agencies in 98305
Housing Demographics for 98305
Population Review for 98305 Zip Code
For the city of Beaver, the population within 98305 has increased to over 151 residents in population size. The current population total is 481. We have broken down the population based on race below. In 98305, there are over 235 in male population and 246 females.
| Population | Values |
|---|---|
| Total Population | 481 |
| White Population | 404 |
| Black Population | 0 |
| Hispanic Population | 17 |
| Asian Population | 8 |
| Hawaiian Population | 4 |
| Indian Population | 11 |
| Other Population | 11 |
| Male Population | 235 |
| Female Population | 246 |
| Population Estimate | 151 |
Household Data for 98305
The average number of homes in 98305 is around 191, there are an average of 2.52 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 191 |
| Persons Per Household | 2.52 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 56.5 |
| Median Age Male | 53.8 |
| Median Age Female | 58.0 |
| 98305 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Beaver |
| City Alias Name | BEAVER |
| County | Clallam |
| County FIPS | 009 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 38820 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Port Angeles, WA |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 9 |
| Number Of Employees | 24 |
| Business First Quarter Payroll | 206 |
| Business Annual Payroll | 1069 |
| 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 | 71404 |
| CBSA Division Population | 0 |
| Congressional District | 06 |
| Congressional LandArea | 6902.73 |
| Delivery Residential | 60 |
| Delivery Business | 1 |
| Delivery Total | 301 |
| Preferred Last Line Key | Z16488 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z16488 |
| Land Area | 244.424000 |
| Water Area | 1.165000 |
| City Alias Code | |
| City Mixed Case | Beaver |
| City Alias Mixed Case | Beaver |
| Box Count | 222 |
| SFDU | 60 |
| MFDU | 0 |
| State ANSI | 53 |
| County ANSI | 009 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 540574 |
| Unique ZIP Name | |
| SSA State County Code | 50040 |
| Medicare CBSA Code | 99950 |
| Medicare CBSA Name | Rural Areas in WA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 2 |
| County Mixed Case | Clallam |
Washington Homeowners Insurance News & Information
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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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 […]
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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 […]