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98380 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 98380 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Seabeck, WA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 98380 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Washington, like average Seabeck homeowners insurance rates, coverage options or home insurance types, please select Seabeck, WA Home Insurance Rates Online!

98380 Home Insurance Average Premiums

Local 98380 homeowners insurance quotes comparison

$443 /yr.

Shows Zip Code: 98380 lowest rates with discounts applied on average.

For the 98380, 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)
$443 /yr.
Average Coverage:$693 /yr.
2600 sq. ft. or higher
(all discounts applied)
$993 /yr.

What is the average home insurance cost for a home in 98380?

  • • The average homeowners insurance premium paid annually for a home in 98380 is around $693 per year.

What does it cost on average per month for home insurance in 98380?

  • • Homeowners in 98380 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 98380?

  • • Autoowners in 98380 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 Seabeck area, check out other zip codes nearby 98380.
Review average rates in another zip code:
98380 homeowners insurance rates

Home Replacement Cost Coverage in 98380

Average Building Cost Per Square Foot in 98380: $242

Location: Seabeck, Washington (Kitsap County)

Average Square Footage in 98380: 1,847 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98380 before you start any project. Seabeck 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 98380 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 98380 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,847 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 Seabeck 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$2421,847$446,900
Additional Upgrades & Added Features$3031,847$558,625
Major Home Updates or Advancements$3631,847$670,350

It's important to understand that when you estimate your replacement cost of your home in the 98380 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 98380

Best Home & Auto Insurance Agencies in 98380

Housing Demographics for 98380

Population Review for 98380 Zip Code

For the city of Seabeck, the population within 98380 has increased to over 4,995 residents in population size. The current population total is 5,297. We have broken down the population based on race below. In 98380, there are over 2699 in male population and 2598 females.

PopulationValues
Total Population5,297
White Population4508
Black Population48
Hispanic Population276
Asian Population92
Hawaiian Population20
Indian Population44
Other Population89
Male Population2699
Female Population2598
Population Estimate4995

Household Data for 98380

The average number of homes in 98380 is around 2,002, there are an average of 2.65 per household. The average house value according to local real estate values is around $446,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,002
Persons Per Household2.65
Average House Value$446,900
Income Per Household$101550
Median Age45.4
Median Age Male45.9
Median Age Female44.9
98380 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CitySeabeck
City Alias NameSEABECK
CountyKitsap
County FIPS035
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA1150
CSA500
CBSA14740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBremerton-Silverdale-Port Orchard, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameBremerton, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses80
Number Of Employees332
Business First Quarter Payroll3419
Business Annual Payroll14944
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population251133
CBSA Division Population0
Congressional District06
Congressional LandArea6902.73
Delivery Residential1885
Delivery Business12
Delivery Total2630
Preferred Last Line KeyZ17421
Classification Code
Multi-CountyY
CSA NameSeattle-Tacoma, WA
CBSA_DIV_Name
City State KeyZ17421
Land Area48.319000
Water Area5.775000
City Alias Code
City Mixed CaseSeabeck
City Alias Mixed CaseSeabeck
Box Count644
SFDU1466
MFDU0
State ANSI53
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number547574
Unique ZIP Name
SSA State County Code50170
Medicare CBSA Code14740
Medicare CBSA NameBremerton-Silverdale-Port Orchard, WA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseKitsap

Washington Homeowners Insurance News & Information

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    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 […]