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Compare 98541 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Elma just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 4,044 neighbors looking to save on their home insurance policy in the local 98541 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 98541. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Washington rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Elma, WA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Elma, WA

98541 Home Insurance Average Premiums

Local 98541 homeowners insurance quotes comparison

$458 /yr.

Shows Zip Code: 98541 lowest rates with discounts applied on average.

For the 98541, 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)
$458 /yr.
Average Coverage:$708 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1008 /yr.

What is the average home insurance cost for a home in 98541?

  • • The average homeowners insurance premium paid annually for a home in 98541 is around $708 per year.

What does it cost on average per month for home insurance in 98541?

  • • Homeowners in 98541 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 98541?

  • • Autoowners in 98541 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 Elma area, check out other zip codes nearby 98541.
Review average rates in another zip code:
98541 homeowners insurance rates

Home Replacement Cost Coverage in 98541

Average Building Cost Per Square Foot in 98541: $242

Location: Elma, Washington (Grays Harbor County)

Average Square Footage in 98541: 944 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98541 before you start any project. Elma 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 98541 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 98541 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 944 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 Elma 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$242944$228,500
Additional Upgrades & Added Features$303944$285,625
Major Home Updates or Advancements$363944$342,750

It's important to understand that when you estimate your replacement cost of your home in the 98541 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 98541

Best Home & Auto Insurance Agencies in 98541

Housing Demographics for 98541

Population Review for 98541 Zip Code

For the city of Elma, the population within 98541 has increased to over 9,429 residents in population size. The current population total is 10,509. We have broken down the population based on race below. In 98541, there are over 5238 in male population and 5271 females.

PopulationValues
Total Population10,509
White Population8631
Black Population70
Hispanic Population1056
Asian Population110
Hawaiian Population14
Indian Population232
Other Population640
Male Population5238
Female Population5271
Population Estimate9429

Household Data for 98541

The average number of homes in 98541 is around 4,044, there are an average of 2.57 per household. The average house value according to local real estate values is around $228,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,044
Persons Per Household2.57
Average House Value$228,500
Income Per Household$57378
Median Age41.8
Median Age Male42.3
Median Age Female41.3
98541 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityElma
City Alias NameELMA
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 Businesses168
Number Of Employees1799
Business First Quarter Payroll23064
Business Annual Payroll97252
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 Residential3669
Delivery Business99
Delivery Total5117
Preferred Last Line KeyZ16749
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ16749
Land Area195.621000
Water Area1.621000
City Alias Code
City Mixed CaseElma
City Alias Mixed CaseElma
Box Count1213
SFDU3348
MFDU115
State ANSI53
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number542618
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

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