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Homeowners Insurance in 99114

Getting the most affordable home insurance rates in 99114 just got easier for Colville, WA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Colville. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Colville, WA Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 99114

When discussing Washington homeowners insurance rates, Colville residents are finding new ways to save time and money by discovering lower rates when they shop online. Washington may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 43. Residents that live within the 99114 zipcode are currently paying $691 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Colville does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

99114 Home Insurance Average Premiums

Local 99114 homeowners insurance quotes comparison

$441 /yr.

Shows Zip Code: 99114 lowest rates with discounts applied on average.

For the 99114, 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)
$441 /yr.
Average Coverage:$691 /yr.
2600 sq. ft. or higher
(all discounts applied)
$991 /yr.

What is the average home insurance cost for a home in 99114?

  • • The average homeowners insurance premium paid annually for a home in 99114 is around $691 per year.

What does it cost on average per month for home insurance in 99114?

  • • Homeowners in 99114 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 99114?

  • • Autoowners in 99114 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 Colville area, check out other zip codes nearby 99114.
Review average rates in another zip code:
99114 homeowners insurance rates

Home Replacement Cost Coverage in 99114

Average Building Cost Per Square Foot in 99114: $242

Location: Colville, Washington (Stevens County)

Average Square Footage in 99114: 922 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99114 before you start any project. Colville 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 99114 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 99114 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 922 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 Colville 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$242922$223,100
Additional Upgrades & Added Features$303922$278,875
Major Home Updates or Advancements$363922$334,650

It's important to understand that when you estimate your replacement cost of your home in the 99114 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 99114

Best Home & Auto Insurance Agencies in 99114

Housing Demographics for 99114

Population Review for 99114 Zip Code

For the city of Colville, the population within 99114 has increased to over 12,968 residents in population size. The current population total is 12,649. We have broken down the population based on race below. In 99114, there are over 6233 in male population and 6416 females.

PopulationValues
Total Population12,649
White Population11252
Black Population35
Hispanic Population495
Asian Population89
Hawaiian Population26
Indian Population178
Other Population152
Male Population6233
Female Population6416
Population Estimate12968

Household Data for 99114

The average number of homes in 99114 is around 5,315, there are an average of 2.34 per household. The average house value according to local real estate values is around $223,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,315
Persons Per Household2.34
Average House Value$223,100
Income Per Household$51713
Median Age49.0
Median Age Male48.4
Median Age Female49.5
99114 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code509
CityColville
City Alias NameCOLVILLE
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 Businesses375
Number Of Employees4817
Business First Quarter Payroll46894
Business Annual Payroll209690
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 Residential5542
Delivery Business408
Delivery Total6378
Preferred Last Line KeyZ16634
Classification Code
Multi-County
CSA NameSpokane-Spokane Valley-Coeur d'Alene, WA-ID
CBSA_DIV_Name
City State KeyZ16634
Land Area718.544000
Water Area2.351000
City Alias Code
City Mixed CaseColville
City Alias Mixed CaseColville
Box Count294
SFDU4625
MFDU298
State ANSI53
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number541638
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 […]