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99155 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 99155? Our rates are very competitive for homeowners living in Nespelem, WA. Many homeowners based out of your 99155 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Washington licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 99155 should appear in the zip code field ready to go. For Nespelem, WA Home Insurance Rate Quotes click to review the best rates and service online!

99155 Average Premium is Rated: Very Low!

Homeowners living in 99155 can easily save up to 40% off the average home insurance premium of $693 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Nespelem that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 99155 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 99155!

99155 Home Insurance Average Premiums

Local 99155 homeowners insurance quotes comparison

$443 /yr.

Shows Zip Code: 99155 lowest rates with discounts applied on average.

For the 99155, 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)
$443 /yr.
Average Coverage:$693 /yr.
2600 sq. ft. or higher
(all discounts applied)
$993 /yr.

What is the average home insurance cost for a home in 99155?

  • • The average homeowners insurance premium paid annually for a home in 99155 is around $693 per year.

What does it cost on average per month for home insurance in 99155?

  • • Homeowners in 99155 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 99155?

  • • Autoowners in 99155 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 Nespelem area, check out other zip codes nearby 99155.
Review average rates in another zip code:
99155 homeowners insurance rates

Home Replacement Cost Coverage in 99155

Average Building Cost Per Square Foot in 99155: $242

Location: Nespelem, Washington (Okanogan County)

Average Square Footage in 99155: 486 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99155 before you start any project. Nespelem 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 99155 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 99155 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 486 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 Nespelem 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$242486$117,600
Additional Upgrades & Added Features$303486$147,000
Major Home Updates or Advancements$363486$176,400

It's important to understand that when you estimate your replacement cost of your home in the 99155 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 99155

Best Home & Auto Insurance Agencies in 99155

Housing Demographics for 99155

Population Review for 99155 Zip Code

For the city of Nespelem, the population within 99155 has increased to over 0 residents in population size. The current population total is 1,257. We have broken down the population based on race below. In 99155, there are over 650 in male population and 607 females.

PopulationValues
Total Population1,257
White Population94
Black Population0
Hispanic Population30
Asian Population0
Hawaiian Population0
Indian Population1112
Other Population3
Male Population650
Female Population607
Population Estimate0

Household Data for 99155

The average number of homes in 99155 is around 401, there are an average of 2.97 per household. The average house value according to local real estate values is around $117,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode401
Persons Per Household2.97
Average House Value$117,600
Income Per Household$31875
Median Age35.9
Median Age Male35.2
Median Age Female37.2
99155 DetailsValues
StateWA
State Full NameWashington
City TypeZ
City Alias Abbreviation
Area Code509
CityNespelem
City Alias NameNESPELEM
CountyOkanogan
County FIPS047
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 Businesses9
Number Of Employees150
Business First Quarter Payroll1121
Business Annual Payroll4826
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 District04|05
Congressional LandArea19250.22|15473.13
Delivery Residential0
Delivery Business0
Delivery Total493
Preferred Last Line KeyZ17181
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ17181
Land Area305.225000
Water Area3.125000
City Alias Code
City Mixed CaseNespelem
City Alias Mixed CaseNespelem
Box Count453
SFDU0
MFDU0
State ANSI53
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number545838
Unique ZIP Name
SSA State County Code50230
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseOkanogan

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 […]