98370 Home Insurance Rates

Getting multiple homeowners insurance rates in 98370 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Poulsbo, WA. Many homeowners based out of the 98370 zip code 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. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Washington licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 98370 should appear in the zip code field ready to go. For Poulsbo, WA Home Insurance Quotes, Click to easily get started!

98370 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 98370 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Poulsbo. For a basic HO-3, standard homeowners policy, the average premium per year in Washington is around $811. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 98370 zip code today and let us help you save time and money on your homeowners insurance premium.

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98370 Home Insurance Average Premiums

Local 98370 homeowners insurance quotes comparison

$561 /yr.

Shows Zip Code: 98370 lowest rates with discounts applied on average.

For the 98370, 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)	$561 /yr.
Average Coverage:	$811 /yr.
2600 sq. ft. or higher (all discounts applied)	$1111 /yr.

What is the average home insurance cost for a home in 98370?

• The average homeowners insurance premium paid annually for a home in 98370 is around $811 per year.

What does it cost on average per month for home insurance in 98370?

• Homeowners in 98370 pay a monthly average cost per month around $68.00.

What kind of discount could I get if I combine my home and auto insurance together in 98370?

• Autoowners in 98370 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.

You can easily shop and compare home insurance rates within Poulsbo, check out other zip codes nearby 98370.
To review average rates in another zip code, click on a zip code below:
98370 |

Home Replacement Cost Coverage in 98370

Average Building Cost Per Square Foot in 98370: $242

Location: Poulsbo, Washington (Kitsap County)

Average Square Footage in 98370: 1,803 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98370 before you start any project. Poulsbo 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 98370 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 98370 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,803 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 Poulsbo 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	1,803	$436,300
Additional Upgrades & Added Features	$303	1,803	$545,375
Major Home Updates or Advancements	$363	1,803	$654,450

Calculate Your Dwelling Coverage in 98370

It's important to understand that when you estimate your replacement cost of your home in the 98370 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 98370

Allstate Insurance Company - William Hubbard

Address: 19470 Viking Ave NW Poulsbo, WA 98370
Phone:
Website: http://www.allstateagencies.com/051565?cid=OTC-YP.com-IYP&att=TL
Info:

Debra Linn Allbee-Farmers Insurance

Address: 19168 Jensen Way NE Poulsbo, WA 98370
Phone:
Website: http://www.farmersagent.com/dallbee/
Info:

SUNDERASAN GOVENDER-FARMERS INSURANCE DISTRICT MGR

Address: 19302 Powder Hill Pl NE-103 Poulsbo, WA 98370
Phone:
Website: http://www.national.citysearch.com/profile/external/607291940/poulsbo_wa/sunderasan_govender_farmers_insurance_district_mgr.html
Info:

Allstate Insurance Company - Holt Jack

Address: 411 NE Park St Poulsbo, WA 98370
Phone:
Website: http://www.national.citysearch.com/profile/664931320/poulsbo_wa/allstate_insurance_company_holt_jack.html
Info:

Jorg, Fritz - State Farm Insurance Agent

Address: 19045 WA-305-100 Poulsbo, WA 98370
Phone:
Website: http://www.citysearch.com/profile/external/603126372/poulsbo_wa/jorg_fritz_state_farm_insurance_agent.html
Info:

Housing Demographics for 98370

Population Review for 98370 Zip Code

For the city of Poulsbo, the population within 98370 has increased to over 33,140 residents in population size. The current population total is 32,857. We have broken down the population based on race below. In 98370, there are over 16104 in male population and 16753 females.

Population	Values
Total Population	32,857
White Population	26450
Black Population	320
Hispanic Population	2627
Asian Population	1235
Hawaiian Population	132
Indian Population	542
Other Population	949
Male Population	16104
Female Population	16753
Population Estimate	33140

Household Data for 98370

The average number of homes in 98370 is around 12,985, there are an average of 2.50 per household. The average house value according to local real estate values is around $436,300. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	12,985
Persons Per Household	2.50
Average House Value	$436,300
Income Per Household	$92607
Median Age	45.0
Median Age Male	43.4
Median Age Female	46.5

98370 Details	Values
State	WA
State Full Name	Washington
City Type	P
City Alias Abbreviation
Area Code	360/564
City	Poulsbo
City Alias Name	POULSBO
County	Kitsap
County FIPS	035
State FIPS	53
Time Zone	8
Day Light Saving	Y
MSA	7602
PMSA	1150
CSA	500
CBSA	14740
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Bremerton-Silverdale-Port Orchard, WA
MSA_Name	Seattle-Tacoma-Bremerton, WA CMSA
PMSA_Name	Bremerton, WA PMSA
Region	West
Division	Pacific
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	982
Number Of Employees	8104
Business First Quarter Payroll	86236
Business Annual Payroll	388651
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	251133
CBSA Division Population	0
Congressional District	06
Congressional LandArea	6902.73
Delivery Residential	13256
Delivery Business	673
Delivery Total	16306
Preferred Last Line Key	Z17308
Classification Code
Multi-County
CSA Name	Seattle-Tacoma, WA
CBSA_DIV_Name
City State Key	Z17308
Land Area	56.322000
Water Area	9.665000
City Alias Code
City Mixed Case	Poulsbo
City Alias Mixed Case	Poulsbo
Box Count	1165
SFDU	8933
MFDU	679
State ANSI	53
County ANSI	035
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	N
Carrier Route Rate Sortation	D
Finance Number	546818
Unique ZIP Name
SSA State County Code	50170
Medicare CBSA Code	14740
Medicare CBSA Name	Bremerton-Silverdale-Port Orchard, WA
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Kitsap

Washington Homeowners Insurance News & Information

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Finding affordable California homeowners insurance has become more challenging than ever. Rising rebuild costs, wildfire exposure, changing underwriting guidelines, and carrier availability have caused many homeowners across California to shop their home insurance coverage more frequently to protect both their property and their budget. If you are comparing California home insurance quotes, now is one […]
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North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]
California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026
California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]

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