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Home Insurance in 98672
If your primary reason for shopping for homeowners insurance in the 98672 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in White Salmon, WA. Many homeowners that live in the 98672 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Washington licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 98672 zip code should already appear in the zip code field ready to go. For White Salmon, WA Homeowners Insurance Quotes, Click to easily get started!
Average Homeowners Premiums in 98672
Homeowners living in the city of White Salmon are paying on average around $647 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 98672 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Washington home insurance premiums have been recently ranked 43 in the country in terms of the annual cost of premiums. Because premiums in 98672 are lower compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.
Easily Compare 98672 Home Insurance Quotes Now!
We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in White Salmon. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!
98672 Home Insurance Average Premiums
$397 /yr.
Shows Zip Code: 98672 lowest rates with discounts applied on average.
For the 98672, 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) | $397 /yr. |
| Average Coverage: | $647 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $947 /yr. |
What is the average home insurance cost for a home in 98672?
- • The average homeowners insurance premium paid annually for a home in 98672 is around $647 per year.
What does it cost on average per month for home insurance in 98672?
- • Homeowners in 98672 pay a monthly average cost per month around $54.00.
What kind of discount could I get if I combine my home and auto insurance together in 98672?
- • Autoowners in 98672 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 White Salmon area, check out other zip codes nearby 98672.
Review average rates in another zip code:
98672 homeowners insurance rates
Home Replacement Cost Coverage in 98672
Average Building Cost Per Square Foot in 98672: $242
Location: White Salmon, Washington (Klickitat County)Average Square Footage in 98672: 1,724 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98672 before you start any project. White Salmon 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 98672 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 98672 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,724 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 White Salmon 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $242 | 1,724 | $417,200 |
| Additional Upgrades & Added Features | $303 | 1,724 | $521,500 |
| Major Home Updates or Advancements | $363 | 1,724 | $625,800 |
It's important to understand that when you estimate your replacement cost of your home in the 98672 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 98672
Best Home & Auto Insurance Agencies in 98672
Housing Demographics for 98672
Population Review for 98672 Zip Code
For the city of White Salmon, the population within 98672 has increased to over 3,544 residents in population size. The current population total is 7,370. We have broken down the population based on race below. In 98672, there are over 3785 in male population and 3585 females.
| Population | Values |
|---|---|
| Total Population | 7,370 |
| White Population | 5624 |
| Black Population | 22 |
| Hispanic Population | 1414 |
| Asian Population | 46 |
| Hawaiian Population | 8 |
| Indian Population | 77 |
| Other Population | 815 |
| Male Population | 3785 |
| Female Population | 3585 |
| Population Estimate | 3544 |
Household Data for 98672
The average number of homes in 98672 is around 2,801, there are an average of 2.47 per household. The average house value according to local real estate values is around $417,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,801 |
| Persons Per Household | 2.47 |
| Average House Value | $417,200 |
| Income Per Household | $76513 |
| Median Age | 43.2 |
| Median Age Male | 42.7 |
| Median Age Female | 43.8 |
| 98672 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 509 |
| City | White Salmon |
| City Alias Name | WHITE SALMON |
| County | Klickitat |
| County FIPS | 039 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 182 |
| Number Of Employees | 944 |
| Business First Quarter Payroll | 10454 |
| Business Annual Payroll | 50781 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 03|04 |
| Congressional LandArea | 9114.01|19250.22 |
| Delivery Residential | 1435 |
| Delivery Business | 27 |
| Delivery Total | 8066 |
| Preferred Last Line Key | Z17732 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z17732 |
| Land Area | 138.811000 |
| Water Area | 0.826000 |
| City Alias Code | |
| City Mixed Case | White Salmon |
| City Alias Mixed Case | White Salmon |
| Box Count | 1660 |
| SFDU | 1389 |
| MFDU | 20 |
| State ANSI | 53 |
| County ANSI | 039 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 549198 |
| Unique ZIP Name | |
| SSA State County Code | 50190 |
| Medicare CBSA Code | 99950 |
| Medicare CBSA Name | Rural Areas in WA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Klickitat |
Washington Homeowners Insurance News & Information
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
Man thinking about prices on real estate, car, phone, good. Man can’t afford to buy things. High cost of living. Finance troubles. Vector illustration in cartoon style. According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]