Get multiple home insurance quotes in 99141. Our licensed 99141, WA agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 99141

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 99141, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Kettle Falls, WA from a list of top tier nationwide insurers.

Our Washington licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 99141 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 99141

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

99141 Ratings: very low!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Kettle Falls we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 99141, homeowners are seeing rates around 715 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 99141!

99141 Home Insurance Average Premiums

Local 99141 homeowners insurance quotes comparison

$465 /yr.

Shows Zip Code: 99141 lowest rates with discounts applied on average.

For the 99141, 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)
$465 /yr.
Average Coverage:$715 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1015 /yr.

What is the average home insurance cost for a home in 99141?

  • • The average homeowners insurance premium paid annually for a home in 99141 is around $715 per year.

What does it cost on average per month for home insurance in 99141?

  • • Homeowners in 99141 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 99141?

  • • Autoowners in 99141 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 Kettle Falls area, check out other zip codes nearby 99141.
Review average rates in another zip code:
99141 homeowners insurance rates

Home Replacement Cost Coverage in 99141

Average Building Cost Per Square Foot in 99141: $242

Location: Kettle Falls, Washington (Stevens County)

Average Square Footage in 99141: 795 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99141 before you start any project. Kettle Falls 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 99141 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 99141 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 795 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 Kettle Falls 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$242795$192,300
Additional Upgrades & Added Features$303795$240,375
Major Home Updates or Advancements$363795$288,450

It's important to understand that when you estimate your replacement cost of your home in the 99141 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 99141

Best Home & Auto Insurance Agencies in 99141

Housing Demographics for 99141

Population Review for 99141 Zip Code

For the city of Kettle Falls, the population within 99141 has increased to over 5,046 residents in population size. The current population total is 5,737. We have broken down the population based on race below. In 99141, there are over 2860 in male population and 2877 females.

PopulationValues
Total Population5,737
White Population5052
Black Population31
Hispanic Population199
Asian Population41
Hawaiian Population7
Indian Population111
Other Population108
Male Population2860
Female Population2877
Population Estimate5046

Household Data for 99141

The average number of homes in 99141 is around 2,461, there are an average of 2.33 per household. The average house value according to local real estate values is around $192,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,461
Persons Per Household2.33
Average House Value$192,300
Income Per Household$53716
Median Age49.8
Median Age Male49.2
Median Age Female50.2
99141 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code509
CityKettle Falls
City Alias NameKETTLE FALLS
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 Businesses100
Number Of Employees923
Business First Quarter Payroll12020
Business Annual Payroll51501
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 Residential2166
Delivery Business64
Delivery Total3064
Preferred Last Line KeyZ16974
Classification Code
Multi-CountyY
CSA NameSpokane-Spokane Valley-Coeur d'Alene, WA-ID
CBSA_DIV_Name
City State KeyZ16974
Land Area628.124000
Water Area27.215000
City Alias Code
City Mixed CaseKettle Falls
City Alias Mixed CaseKettle Falls
Box Count735
SFDU1943
MFDU72
State ANSI53
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number544074
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

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    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 […]