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98649 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 98649? Our rates are very competitive for homeowners living in Toutle, WA. Many homeowners based out of your 98649 area 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 homeowners 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. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 98649 should appear in the zip code field ready to go. For Toutle, WA Home Insurance Rate Quotes click to review the best rates and service online!

98649 Average Premium is Rated: Very Low!

Homeowners living in 98649 can easily save up to 40% off the average home insurance premium of $677 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Toutle that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 98649 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 98649!

98649 Home Insurance Average Premiums

Local 98649 homeowners insurance quotes comparison

$427 /yr.

Shows Zip Code: 98649 lowest rates with discounts applied on average.

For the 98649, 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)
$427 /yr.
Average Coverage:$677 /yr.
2600 sq. ft. or higher
(all discounts applied)
$977 /yr.

What is the average home insurance cost for a home in 98649?

  • • The average homeowners insurance premium paid annually for a home in 98649 is around $677 per year.

What does it cost on average per month for home insurance in 98649?

  • • Homeowners in 98649 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 98649?

  • • Autoowners in 98649 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 Toutle area, check out other zip codes nearby 98649.
Review average rates in another zip code:
98649 homeowners insurance rates

Home Replacement Cost Coverage in 98649

Average Building Cost Per Square Foot in 98649: $242

Location: Toutle, Washington (Cowlitz County)

Average Square Footage in 98649: 1,129 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98649 before you start any project. Toutle 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 98649 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 98649 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,129 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 Toutle 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$2421,129$273,100
Additional Upgrades & Added Features$3031,129$341,375
Major Home Updates or Advancements$3631,129$409,650

It's important to understand that when you estimate your replacement cost of your home in the 98649 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 98649

Best Home & Auto Insurance Agencies in 98649

Housing Demographics for 98649

Population Review for 98649 Zip Code

For the city of Toutle, the population within 98649 has increased to over 1,050 residents in population size. The current population total is 1,134. We have broken down the population based on race below. In 98649, there are over 556 in male population and 578 females.

PopulationValues
Total Population1,134
White Population938
Black Population1
Hispanic Population82
Asian Population15
Hawaiian Population5
Indian Population17
Other Population22
Male Population556
Female Population578
Population Estimate1050

Household Data for 98649

The average number of homes in 98649 is around 405, there are an average of 2.80 per household. The average house value according to local real estate values is around $273,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode405
Persons Per Household2.80
Average House Value$273,100
Income Per Household$55337
Median Age43.1
Median Age Male43.7
Median Age Female42.5
98649 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityToutle
City Alias NameTOUTLE
CountyCowlitz
County FIPS015
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA440
CBSA31020
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLongview-Kelso, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses22
Number Of Employees60
Business First Quarter Payroll402
Business Annual Payroll2736
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population102410
CBSA Division Population0
Congressional District03
Congressional LandArea9114.01
Delivery Residential375
Delivery Business4
Delivery Total716
Preferred Last Line KeyZ17631
Classification Code
Multi-County
CSA NamePortland-Vancouver-Salem, OR-WA
CBSA_DIV_Name
City State KeyZ17631
Land Area196.337000
Water Area0.041000
City Alias Code
City Mixed CaseToutle
City Alias Mixed CaseToutle
Box Count241
SFDU303
MFDU14
State ANSI53
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number548540
Unique ZIP Name
SSA State County Code50070
Medicare CBSA Code31020
Medicare CBSA NameLongview, WA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseCowlitz

Washington Homeowners Insurance News & Information

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