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Home Insurance in 98520

Our rates are very competitive for homeowners living in the 98520 zip code. Many homeowners based out of Aberdeen, WA have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our WA licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 98520 should appear in the zip code field ready to go.

98520 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Aberdeen area? The average homeowners premium in 98520 is very low in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 98520, you can expect to pay around $695 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 98520 Today!

Get Home Insurance Quotes in 98520

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Washington. Start your 98520 home insurance shopping today!

  1. Aberdeen, WA Home Insurance Quotes

98520 Home Insurance Average Premiums

Local 98520 homeowners insurance quotes comparison

$445 /yr.

Shows Zip Code: 98520 lowest rates with discounts applied on average.

For the 98520, 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)
$445 /yr.
Average Coverage:$695 /yr.
2600 sq. ft. or higher
(all discounts applied)
$995 /yr.

What is the average home insurance cost for a home in 98520?

  • • The average homeowners insurance premium paid annually for a home in 98520 is around $695 per year.

What does it cost on average per month for home insurance in 98520?

  • • Homeowners in 98520 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 98520?

  • • Autoowners in 98520 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 Aberdeen area, check out other zip codes nearby 98520.
Review average rates in another zip code:
98520 homeowners insurance rates

Home Replacement Cost Coverage in 98520

Average Building Cost Per Square Foot in 98520: $242

Location: Aberdeen, Washington (Grays Harbor County)

Average Square Footage in 98520: 772 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98520 before you start any project. Aberdeen 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 98520 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 98520 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 772 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 Aberdeen 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$242772$186,800
Additional Upgrades & Added Features$303772$233,500
Major Home Updates or Advancements$363772$280,200

It's important to understand that when you estimate your replacement cost of your home in the 98520 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 98520

Dave Johnson Insurance- Inc

Address: 324 Heron Aberdeen, WA 98520
Phone: (360)533-1742
Website: www.davejohnsoninsurance.com

Best Home & Auto Insurance Agencies in 98520

Housing Demographics for 98520

Population Review for 98520 Zip Code

For the city of Aberdeen, the population within 98520 has increased to over 21,835 residents in population size. The current population total is 24,086. We have broken down the population based on race below. In 98520, there are over 13139 in male population and 10947 females.

PopulationValues
Total Population24,086
White Population17780
Black Population673
Hispanic Population3700
Asian Population406
Hawaiian Population55
Indian Population837
Other Population1778
Male Population13139
Female Population10947
Population Estimate21835

Household Data for 98520

The average number of homes in 98520 is around 8,525, there are an average of 2.55 per household. The average house value according to local real estate values is around $186,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,525
Persons Per Household2.55
Average House Value$186,800
Income Per Household$50510
Median Age40.9
Median Age Male40.8
Median Age Female40.9
98520 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityAberdeen
City Alias NameABERDEEN
CountyGrays Harbor
County FIPS027
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA10140
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAberdeen, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses554
Number Of Employees6464
Business First Quarter Payroll70108
Business Annual Payroll302293
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population72797
CBSA Division Population0
Congressional District06
Congressional LandArea6902.73
Delivery Residential8563
Delivery Business624
Delivery Total17133
Preferred Last Line KeyZ16405
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16405
Land Area217.458000
Water Area25.778000
City Alias Code
City Mixed CaseAberdeen
City Alias Mixed CaseAberdeen
Box Count567
SFDU7650
MFDU670
State ANSI53
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number540028
Unique ZIP Name
SSA State County Code50130
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseGrays Harbor

Washington Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]