Get multiple home insurance quotes in 99034. Our licensed 99034, WA agents are ready to serve you.

99034, WA Home Insurance

In the zip code of 99034, the population size is around 327, which consists of 134 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Tumtum, WA. A few years ago, a study was done and found that the average home insurance rates for Washington are around $701 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 99034 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Tumtum. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Tumtum, WA Homeowners Insurance Online Rates Today!

99034 Home Insurance Average Premiums

Local 99034 homeowners insurance quotes comparison

$451 /yr.

Shows Zip Code: 99034 lowest rates with discounts applied on average.

For the 99034, 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)
$451 /yr.
Average Coverage:$701 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1001 /yr.

What is the average home insurance cost for a home in 99034?

  • • The average homeowners insurance premium paid annually for a home in 99034 is around $701 per year.

What does it cost on average per month for home insurance in 99034?

  • • Homeowners in 99034 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 99034?

  • • Autoowners in 99034 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 Tumtum area, check out other zip codes nearby 99034.
Review average rates in another zip code:
99034 homeowners insurance rates

Home Replacement Cost Coverage in 99034

Average Building Cost Per Square Foot in 99034: $242

Location: Tumtum, Washington (Stevens County)

Average Square Footage in 99034: 667 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99034 before you start any project. Tumtum 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 99034 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 99034 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 667 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 Tumtum 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$242667$161,500
Additional Upgrades & Added Features$303667$201,875
Major Home Updates or Advancements$363667$242,250

It's important to understand that when you estimate your replacement cost of your home in the 99034 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 99034

Best Home & Auto Insurance Agencies in 99034

Housing Demographics for 99034

Population Review for 99034 Zip Code

For the city of Tumtum, the population within 99034 has increased to over 339 residents in population size. The current population total is 327. We have broken down the population based on race below. In 99034, there are over 173 in male population and 154 females.

PopulationValues
Total Population327
White Population300
Black Population1
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population4
Other Population4
Male Population173
Female Population154
Population Estimate339

Household Data for 99034

The average number of homes in 99034 is around 134, there are an average of 2.44 per household. The average house value according to local real estate values is around $161,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode134
Persons Per Household2.44
Average House Value$161,500
Income Per Household$0
Median Age45.7
Median Age Male47.5
Median Age Female45.3
99034 DetailsValues
StateWA
State Full NameWashington
City TypeN
City Alias Abbreviation
Area Code509
CityTumtum
City Alias NameTUMTUM
CountyStevens
County FIPS065
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA518
CBSA44060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSpokane-Spokane Valley, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees7
Business First Quarter Payroll14
Business Annual Payroll236
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population471221
CBSA Division Population0
Congressional District05
Congressional LandArea15473.13
Delivery Residential139
Delivery Business2
Delivery Total141
Preferred Last Line KeyZ18184
Classification Code
Multi-County
CSA NameSpokane-Spokane Valley-Coeur d'Alene, WA-ID
CBSA_DIV_Name
City State KeyZ18184
Land Area22.193000
Water Area0.000000
City Alias Code
City Mixed CaseTumtum
City Alias Mixed CaseTumtum
Box Count0
SFDU139
MFDU0
State ANSI53
County ANSI065
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number545894
Unique ZIP Name
SSA State County Code50320
Medicare CBSA Code44060
Medicare CBSA NameSpokane-Spokane Valley, WA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseStevens

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 […]