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98950, WA Homeowners Insurance Rates

With a population size of 209 and with 56 occupied homes in the 98950 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Vantage, WA are around $716 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 Vantage, 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 Vantage, WA.

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

98950 Home Insurance Average Premiums

Local 98950 homeowners insurance quotes comparison

$466 /yr.

Shows Zip Code: 98950 lowest rates with discounts applied on average.

For the 98950, 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)
$466 /yr.
Average Coverage:$716 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1016 /yr.

What is the average home insurance cost for a home in 98950?

  • • The average homeowners insurance premium paid annually for a home in 98950 is around $716 per year.

What does it cost on average per month for home insurance in 98950?

  • • Homeowners in 98950 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 98950?

  • • Autoowners in 98950 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 Vantage area, check out other zip codes nearby 98950.
Review average rates in another zip code:
98950 homeowners insurance rates

Home Replacement Cost Coverage in 98950

Average Building Cost Per Square Foot in 98950: $242

Location: Vantage, Washington (Kittitas County)

Average Square Footage in 98950: 682 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98950 before you start any project. Vantage 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 98950 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 98950 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 682 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 Vantage 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$242682$165,000
Additional Upgrades & Added Features$303682$206,250
Major Home Updates or Advancements$363682$247,500

It's important to understand that when you estimate your replacement cost of your home in the 98950 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 98950

Best Home & Auto Insurance Agencies in 98950

Housing Demographics for 98950

Population Review for 98950 Zip Code

For the city of Vantage, the population within 98950 has increased to over 0 residents in population size. The current population total is 209. We have broken down the population based on race below. In 98950, there are over 116 in male population and 93 females.

PopulationValues
Total Population209
White Population50
Black Population4
Hispanic Population144
Asian Population1
Hawaiian Population0
Indian Population1
Other Population73
Male Population116
Female Population93
Population Estimate0

Household Data for 98950

The average number of homes in 98950 is around 56, there are an average of 2.57 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode56
Persons Per Household2.57
Average House Value$165,000
Income Per Household$0
Median Age35.4
Median Age Male32.8
Median Age Female42.1
98950 DetailsValues
StateWA
State Full NameWashington
City TypeZ
City Alias Abbreviation
Area Code509
CityVantage
City Alias NameVANTAGE
CountyKittitas
County FIPS037
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA21260
CBSA_DIV
CBSA_TypeMicro
CBSA_NameEllensburg, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees17
Business First Quarter Payroll95
Business Annual Payroll438
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population40915
CBSA Division Population0
Congressional District08
Congressional LandArea7359.7
Delivery Residential0
Delivery Business0
Delivery Total413
Preferred Last Line KeyZ17670
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ17670
Land Area39.902000
Water Area8.218000
City Alias Code
City Mixed CaseVantage
City Alias Mixed CaseVantage
Box Count0
SFDU0
MFDU0
State ANSI53
County ANSI037
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number542604
Unique ZIP Name
SSA State County Code50180
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseKittitas

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 […]