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98823 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 98823 zip code find a great new policy that offers the coverage they need at a price they can afford.
GetHomeInsuranceQuotes.com makes shopping for a new policy in Ephrata, WA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 98823.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 98823 and start shopping.
Quickly and Easily Compare Average Rates for 98823
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ephrata, WA home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 98823
Homeowners in Ephrata are paying roughly $729 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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98823 Home Insurance Average Premiums
$479 /yr.
Shows Zip Code: 98823 lowest rates with discounts applied on average.
For the 98823, 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) | $479 /yr. |
| Average Coverage: | $729 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1029 /yr. |
What is the average home insurance cost for a home in 98823?
- • The average homeowners insurance premium paid annually for a home in 98823 is around $729 per year.
What does it cost on average per month for home insurance in 98823?
- • Homeowners in 98823 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 98823?
- • Autoowners in 98823 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 Ephrata area, check out other zip codes nearby 98823.
Review average rates in another zip code:
98823 homeowners insurance rates
Home Replacement Cost Coverage in 98823
Average Building Cost Per Square Foot in 98823: $242
Location: Ephrata, Washington (Grant County)Average Square Footage in 98823: 748 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98823 before you start any project. Ephrata 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 98823 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 98823 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 748 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 Ephrata 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 | 748 | $180,900 |
| Additional Upgrades & Added Features | $303 | 748 | $226,125 |
| Major Home Updates or Advancements | $363 | 748 | $271,350 |
It's important to understand that when you estimate your replacement cost of your home in the 98823 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 98823
Best Home & Auto Insurance Agencies in 98823
Cheryl Kono- Farmers Insurance
Address: 1250 Basin St SW, Ste F Ephrata, WA 98823Phone:
Website: http://www.national.citysearch.com/profile/666773280/ephrata_wa/cheryl_kono_farmers_insurance.html
Info:
Plummer, Craig - State Farm Insurance Agent
Address: 1077 Basin St SW Ephrata, WA 98823Phone:
Website: http://www.national.citysearch.com/profile/external/10912678/ephrata_wa/plummer_craig_state_farm_insurance_agent.html
Info:
Housing Demographics for 98823
Population Review for 98823 Zip Code
For the city of Ephrata, the population within 98823 has increased to over 12,888 residents in population size. The current population total is 12,393. We have broken down the population based on race below. In 98823, there are over 6246 in male population and 6147 females.
| Population | Values |
|---|---|
| Total Population | 12,393 |
| White Population | 8791 |
| Black Population | 77 |
| Hispanic Population | 3426 |
| Asian Population | 90 |
| Hawaiian Population | 0 |
| Indian Population | 210 |
| Other Population | 1988 |
| Male Population | 6246 |
| Female Population | 6147 |
| Population Estimate | 12888 |
Household Data for 98823
The average number of homes in 98823 is around 4,427, there are an average of 2.74 per household. The average house value according to local real estate values is around $180,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,427 |
| Persons Per Household | 2.74 |
| Average House Value | $180,900 |
| Income Per Household | $71987 |
| Median Age | 35.5 |
| Median Age Male | 34.3 |
| Median Age Female | 36.7 |
| 98823 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 509 |
| City | Ephrata |
| City Alias Name | EPHRATA |
| County | Grant |
| County FIPS | 025 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 393 |
| CBSA | 34180 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Moses Lake, WA |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 254 |
| Number Of Employees | 1994 |
| Business First Quarter Payroll | 19272 |
| Business Annual Payroll | 80150 |
| 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 | 89120 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 19250.22 |
| Delivery Residential | 4704 |
| Delivery Business | 296 |
| Delivery Total | 5984 |
| Preferred Last Line Key | Z16756 |
| Classification Code | |
| Multi-County | |
| CSA Name | Moses Lake-Othello, WA |
| CBSA_DIV_Name | |
| City State Key | Z16756 |
| Land Area | 298.230000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Ephrata |
| City Alias Mixed Case | Ephrata |
| Box Count | 622 |
| SFDU | 3600 |
| MFDU | 122 |
| State ANSI | 53 |
| County ANSI | 025 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 542702 |
| Unique ZIP Name | |
| SSA State County Code | 50120 |
| Medicare CBSA Code | 99950 |
| Medicare CBSA Name | Rural Areas in WA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 7 |
| County Mixed Case | Grant |
Washington Homeowners Insurance News & Information
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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 […]
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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 […]
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$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 […]