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Find the Best Home Insurance Rates in 98593

Shopping for homeowners insurance in 98593 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Vader, WA and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Washington licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 98593 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 98593

Find Vader, WA Homeowners Insurance Quotes to review the best coverage options in your area.

98593 Home Insurance Rating is: very low!

In 98593 the average premium is $731. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 98593, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 98593!

98593 Home Insurance Average Premiums

Local 98593 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 98593 lowest rates with discounts applied on average.

For the 98593, 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)
$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1031 /yr.

What is the average home insurance cost for a home in 98593?

  • • The average homeowners insurance premium paid annually for a home in 98593 is around $731 per year.

What does it cost on average per month for home insurance in 98593?

  • • Homeowners in 98593 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 98593?

  • • Autoowners in 98593 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 Vader area, check out other zip codes nearby 98593.
Review average rates in another zip code:
98593 homeowners insurance rates

Home Replacement Cost Coverage in 98593

Average Building Cost Per Square Foot in 98593: $242

Location: Vader, Washington (Lewis County)

Average Square Footage in 98593: 975 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98593 before you start any project. Vader 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 98593 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 98593 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 975 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 Vader 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$242975$235,900
Additional Upgrades & Added Features$303975$294,875
Major Home Updates or Advancements$363975$353,850

It's important to understand that when you estimate your replacement cost of your home in the 98593 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 98593

Best Home & Auto Insurance Agencies in 98593

Housing Demographics for 98593

Population Review for 98593 Zip Code

For the city of Vader, the population within 98593 has increased to over 1,096 residents in population size. The current population total is 1,185. We have broken down the population based on race below. In 98593, there are over 645 in male population and 540 females.

PopulationValues
Total Population1,185
White Population988
Black Population8
Hispanic Population83
Asian Population15
Hawaiian Population7
Indian Population26
Other Population12
Male Population645
Female Population540
Population Estimate1096

Household Data for 98593

The average number of homes in 98593 is around 454, there are an average of 2.61 per household. The average house value according to local real estate values is around $235,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode454
Persons Per Household2.61
Average House Value$235,900
Income Per Household$52375
Median Age46.3
Median Age Male43.1
Median Age Female48.0
98593 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityVader
City Alias NameVADER
CountyLewis
County FIPS041
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA500
CBSA16500
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCentralia, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees50
Business First Quarter Payroll373
Business Annual Payroll1644
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population75455
CBSA Division Population0
Congressional District03
Congressional LandArea9114.01
Delivery Residential420
Delivery Business4
Delivery Total696
Preferred Last Line KeyZ17663
Classification Code
Multi-CountyY
CSA NameSeattle-Tacoma, WA
CBSA_DIV_Name
City State KeyZ17663
Land Area14.308000
Water Area0.043000
City Alias Code
City Mixed CaseVader
City Alias Mixed CaseVader
Box Count154
SFDU404
MFDU0
State ANSI53
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number548764
Unique ZIP Name
SSA State County Code50200
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseLewis

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 […]