Get multiple home insurance quotes in 98409. Our licensed 98409, WA agents are ready to serve you.

Homeowners Insurance in 98409

In Tacoma, WA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 98409 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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 the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 98409 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 98409 should appear in the zip code field ready to go.

98409 Homeowners Insurance Rates Are Considered: Very Low!

If your looking for a standard homeowners policy in Washington, you are going to see rates around the average home insurance premium per year of $671. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Tacoma home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 98409 Home Insurance Rates Now!

Best 3 Options to Compare in 98409

If you want homeowners insurance quotes within the city of Tacoma or in the 98409 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Tacoma, WA.

98409 Home Insurance Average Premiums

Local 98409 homeowners insurance quotes comparison

$421 /yr.

Shows Zip Code: 98409 lowest rates with discounts applied on average.

For the 98409, 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)
$421 /yr.
Average Coverage:$671 /yr.
2600 sq. ft. or higher
(all discounts applied)
$971 /yr.

What is the average home insurance cost for a home in 98409?

  • • The average homeowners insurance premium paid annually for a home in 98409 is around $671 per year.

What does it cost on average per month for home insurance in 98409?

  • • Homeowners in 98409 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 98409?

  • • Autoowners in 98409 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 Tacoma area, check out other zip codes nearby 98409.
Review average rates in another zip code:
98446 homeowners insurance rates
98422 homeowners insurance rates
98445 homeowners insurance rates
98405 homeowners insurance rates
98406 homeowners insurance rates
98404 homeowners insurance rates
98433 homeowners insurance rates
98444 homeowners insurance rates
98409 homeowners insurance rates
98407 homeowners insurance rates

Home Replacement Cost Coverage in 98409

Average Building Cost Per Square Foot in 98409: $242

Location: Tacoma, Washington (Pierce County)

Average Square Footage in 98409: 1,119 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98409 before you start any project. Tacoma 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 98409 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 98409 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,119 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 Tacoma 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$2421,119$270,700
Additional Upgrades & Added Features$3031,119$338,375
Major Home Updates or Advancements$3631,119$406,050

It's important to understand that when you estimate your replacement cost of your home in the 98409 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 98409

Guardian Insurance Group

Address: 4040 S Tyler St Tacoma, WA 98409
Phone: (253)474-3477
Website:

Allstate Insurance - Erik A. Larson

Address: 15 Oregon Ave. Suite 207 Tacoma, WA 98409
Phone: (253)474-1521
Website:

Best Home & Auto Insurance Agencies in 98409

David Beckwith-Farmers Insurance

Address: 6240 Tacoma Mall Blvd, #209 Tacoma, WA 98409
Phone:
Website: http://www.farmersagent.com/hstaggers/
Info:

Don Foster - Allstate Agent

Address: 6450 Tacoma Mall Blvd, Ste 2B Tacoma, WA 98409
Phone:
Website: http://www.allstateagencies.com/DonFoster/Welcome/
Info:

Metlife Auto & Home Agent: Deborah Bishop

Address: 4040 S Tyler St, Ste 18 Tacoma, WA 98409
Phone:
Website: http://www.metlife.com/
Info:

Allstate Insurance

Address: 6450 Tacoma Mall Blvd Tacoma, WA 98409
Phone:
Website: http://www.allstateagencies.com/066027?cid=OTC-YP.com-IYP&att=TL
Info:

Todd R Dean Agency

Address: 6240 Tacoma Mall Blvd, Ste 209 Tacoma, WA 98409
Phone:
Website: http://www.national.citysearch.com/profile/external/10865262/tacoma_wa/todd_r_dean_agency.html
Info:

Housing Demographics for 98409

Population Review for 98409 Zip Code

For the city of Tacoma, the population within 98409 has increased to over 26,836 residents in population size. The current population total is 27,840. We have broken down the population based on race below. In 98409, there are over 13781 in male population and 14059 females.

PopulationValues
Total Population27,840
White Population13624
Black Population4255
Hispanic Population4388
Asian Population2474
Hawaiian Population812
Indian Population498
Other Population2077
Male Population13781
Female Population14059
Population Estimate26836

Household Data for 98409

The average number of homes in 98409 is around 11,166, there are an average of 2.47 per household. The average house value according to local real estate values is around $270,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,166
Persons Per Household2.47
Average House Value$270,700
Income Per Household$58619
Median Age32.8
Median Age Male32.2
Median Age Female33.4
98409 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code253
CityTacoma
City Alias NameTACOMA
CountyPierce
County FIPS053
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA8200
CSA500
CBSA42660
CBSA_DIV45104
CBSA_TypeMetro
CBSA_NameSeattle-Tacoma-Bellevue, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameTacoma, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1141
Number Of Employees19953
Business First Quarter Payroll232325
Business Annual Payroll1018446
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3439809
CBSA Division Population795225
Congressional District06|10
Congressional LandArea6902.73|826.67
Delivery Residential10865
Delivery Business1573
Delivery Total12318
Preferred Last Line KeyZ17597
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameTacoma-Lakewood, WA
City State KeyZ17597
Land Area7.141000
Water Area0.007000
City Alias Code
City Mixed CaseTacoma
City Alias Mixed CaseTacoma
Box Count0
SFDU5602
MFDU3327
State ANSI53
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number548330
Unique ZIP Name
SSA State County Code50260
Medicare CBSA Code45104
Medicare CBSA NameTacoma-Lakewood, WA
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CasePierce

Washington Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]