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98535 Homeowners Insurance Quotes & Rates

Copalis Beach residents living within the 246 homes available in the zip code of 98535 are shopping online to compare cheaper and more affordable Copalis Beach, WA home insurance rates. In the great city of Copalis Beach, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Washington is around $716 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 98535 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 98535 home insurance rates today! Please give us a call now at 1-855-976-2656. For Copalis Beach, WA Homeowners Insurance Quotes, Click to easily get started!

98535 Home Insurance Average Premiums

Local 98535 homeowners insurance quotes comparison

$466 /yr.

Shows Zip Code: 98535 lowest rates with discounts applied on average.

For the 98535, 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 98535?

  • • The average homeowners insurance premium paid annually for a home in 98535 is around $716 per year.

What does it cost on average per month for home insurance in 98535?

  • • Homeowners in 98535 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 98535?

  • • Autoowners in 98535 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 Copalis Beach area, check out other zip codes nearby 98535.
Review average rates in another zip code:
98535 homeowners insurance rates

Home Replacement Cost Coverage in 98535

Average Building Cost Per Square Foot in 98535: $242

Location: Copalis Beach, Washington (Grays Harbor County)

Average Square Footage in 98535: 682 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98535 before you start any project. Copalis Beach 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 98535 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 98535 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 Copalis Beach 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$242682$165,000
Additional Upgrades & Added Features$303682$206,250
Major Home Updates or Advancements$363682$247,500

It's important to understand that when you estimate your replacement cost of your home in the 98535 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 98535

Best Home & Auto Insurance Agencies in 98535

Housing Demographics for 98535

Population Review for 98535 Zip Code

For the city of Copalis Beach, the population within 98535 has increased to over 88 residents in population size. The current population total is 529. We have broken down the population based on race below. In 98535, there are over 272 in male population and 257 females.

PopulationValues
Total Population529
White Population467
Black Population1
Hispanic Population17
Asian Population5
Hawaiian Population0
Indian Population20
Other Population9
Male Population272
Female Population257
Population Estimate88

Household Data for 98535

The average number of homes in 98535 is around 246, there are an average of 2.15 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 DataValues
Households Per Zipcode246
Persons Per Household2.15
Average House Value$165,000
Income Per Household$0
Median Age57.2
Median Age Male58.3
Median Age Female55.5
98535 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityCopalis Beach
City Alias NameCOPALIS BEACH
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 Businesses13
Number Of Employees58
Business First Quarter Payroll290
Business Annual Payroll1811
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 Residential41
Delivery Business2
Delivery Total368
Preferred Last Line KeyZ16641
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16641
Land Area20.019000
Water Area1.449000
City Alias Code
City Mixed CaseCopalis Beach
City Alias Mixed CaseCopalis Beach
Box Count311
SFDU41
MFDU0
State ANSI53
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number541722
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 […]