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98819, WA Homeowners Insurance Rates

With a population size of 280 and with 160 occupied homes in the 98819 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Conconully, WA are around $687 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Conconully, Washington. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Washington home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Conconully, WA.

For Washington home insurance information, including average Conconully home insurance rates, coverage options or the different homeowners insurance types, please select Conconully, WA Home Insurance Quotes Now!

98819 Home Insurance Average Premiums

Local 98819 homeowners insurance quotes comparison

$437 /yr.

Shows Zip Code: 98819 lowest rates with discounts applied on average.

For the 98819, 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)
$437 /yr.
Average Coverage:$687 /yr.
2600 sq. ft. or higher
(all discounts applied)
$987 /yr.

What is the average home insurance cost for a home in 98819?

  • • The average homeowners insurance premium paid annually for a home in 98819 is around $687 per year.

What does it cost on average per month for home insurance in 98819?

  • • Homeowners in 98819 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 98819?

  • • Autoowners in 98819 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 Conconully area, check out other zip codes nearby 98819.
Review average rates in another zip code:
98819 homeowners insurance rates

Home Replacement Cost Coverage in 98819

Average Building Cost Per Square Foot in 98819: $242

Location: Conconully, Washington (Okanogan County)

Average Square Footage in 98819: 833 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98819 before you start any project. Conconully 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 98819 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 98819 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 833 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 Conconully 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$242833$201,500
Additional Upgrades & Added Features$303833$251,875
Major Home Updates or Advancements$363833$302,250

It's important to understand that when you estimate your replacement cost of your home in the 98819 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 98819

Best Home & Auto Insurance Agencies in 98819

Housing Demographics for 98819

Population Review for 98819 Zip Code

For the city of Conconully, the population within 98819 has increased to over 0 residents in population size. The current population total is 280. We have broken down the population based on race below. In 98819, there are over 147 in male population and 133 females.

PopulationValues
Total Population280
White Population223
Black Population1
Hispanic Population28
Asian Population1
Hawaiian Population0
Indian Population7
Other Population3
Male Population147
Female Population133
Population Estimate0

Household Data for 98819

The average number of homes in 98819 is around 160, there are an average of 1.75 per household. The average house value according to local real estate values is around $201,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode160
Persons Per Household1.75
Average House Value$201,500
Income Per Household$33333
Median Age58.5
Median Age Male55.9
Median Age Female61.9
98819 DetailsValues
StateWA
State Full NameWashington
City TypeZ
City Alias Abbreviation
Area Code509
CityConconully
City Alias NameCONCONULLY
CountyOkanogan
County FIPS047
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees5
Business First Quarter Payroll36
Business Annual Payroll202
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea19250.22
Delivery Residential0
Delivery Business0
Delivery Total170
Preferred Last Line KeyZ16635
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16635
Land Area149.336000
Water Area0.964000
City Alias Code
City Mixed CaseConconully
City Alias Mixed CaseConconully
Box Count157
SFDU0
MFDU0
State ANSI53
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number541652
Unique ZIP Name
SSA State County Code50230
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseOkanogan

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 […]