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99139 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 99139 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 Ione, WA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 99139.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 99139 and start shopping.

Quickly and Easily Compare Average Rates for 99139

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ione, WA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 99139

Homeowners in Ione are paying roughly $720 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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99139 Home Insurance Average Premiums

Local 99139 homeowners insurance quotes comparison

$470 /yr.

Shows Zip Code: 99139 lowest rates with discounts applied on average.

For the 99139, 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)
$470 /yr.
Average Coverage:$720 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1020 /yr.

What is the average home insurance cost for a home in 99139?

  • • The average homeowners insurance premium paid annually for a home in 99139 is around $720 per year.

What does it cost on average per month for home insurance in 99139?

  • • Homeowners in 99139 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 99139?

  • • Autoowners in 99139 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 Ione area, check out other zip codes nearby 99139.
Review average rates in another zip code:
99139 homeowners insurance rates

Home Replacement Cost Coverage in 99139

Average Building Cost Per Square Foot in 99139: $242

Location: Ione, Washington (Pend Oreille County)

Average Square Footage in 99139: 686 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99139 before you start any project. Ione 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 99139 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 99139 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 686 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 Ione 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$242686$166,000
Additional Upgrades & Added Features$303686$207,500
Major Home Updates or Advancements$363686$249,000

It's important to understand that when you estimate your replacement cost of your home in the 99139 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 99139

Best Home & Auto Insurance Agencies in 99139

Housing Demographics for 99139

Population Review for 99139 Zip Code

For the city of Ione, the population within 99139 has increased to over 393 residents in population size. The current population total is 1,178. We have broken down the population based on race below. In 99139, there are over 585 in male population and 593 females.

PopulationValues
Total Population1,178
White Population1070
Black Population7
Hispanic Population57
Asian Population4
Hawaiian Population1
Indian Population22
Other Population15
Male Population585
Female Population593
Population Estimate393

Household Data for 99139

The average number of homes in 99139 is around 512, there are an average of 2.30 per household. The average house value according to local real estate values is around $166,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode512
Persons Per Household2.30
Average House Value$166,000
Income Per Household$51477
Median Age51.0
Median Age Male50.9
Median Age Female51.1
99139 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code509
CityIone
City Alias NameIONE
CountyPend Oreille
County FIPS051
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 Businesses20
Number Of Employees107
Business First Quarter Payroll938
Business Annual Payroll4359
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 District05
Congressional LandArea15473.13
Delivery Residential171
Delivery Business2
Delivery Total666
Preferred Last Line KeyZ16939
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16939
Land Area314.925000
Water Area4.445000
City Alias Code
City Mixed CaseIone
City Alias Mixed CaseIone
Box Count450
SFDU171
MFDU0
State ANSI53
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number543850
Unique ZIP Name
SSA State County Code50250
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CasePend Oreille

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 […]