Find the lowest Homeowners Insurance Rates in 99201

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 99201, 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 Spokane, 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 99201 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 99201

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

99201 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 Spokane 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 99201, homeowners are seeing rates around 681 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 99201!

99201 Home Insurance Average Premiums

Local 99201 homeowners insurance quotes comparison

$431 /yr.

Shows Zip Code: 99201 lowest rates with discounts applied on average.

For the 99201, 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)	$431 /yr.
Average Coverage:	$681 /yr.
2600 sq. ft. or higher (all discounts applied)	$981 /yr.

What is the average home insurance cost for a home in 99201?

• The average homeowners insurance premium paid annually for a home in 99201 is around $681 per year.

What does it cost on average per month for home insurance in 99201?

• Homeowners in 99201 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 99201?

• Autoowners in 99201 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 Spokane area, check out other zip codes nearby 99201.
Review average rates in another zip code:
99223 homeowners insurance rates
99207 homeowners insurance rates
99204 homeowners insurance rates
99217 homeowners insurance rates
99208 homeowners insurance rates
99216 homeowners insurance rates
99218 homeowners insurance rates
99212 homeowners insurance rates
99224 homeowners insurance rates
99206 homeowners insurance rates

Home Replacement Cost Coverage in 99201

Average Building Cost Per Square Foot in 99201: $242

Location: Spokane, Washington (Spokane County)

Average Square Footage in 99201: 698 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99201 before you start any project. Spokane 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 99201 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 99201 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 698 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 Spokane 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$242	698	$169,000
Additional Upgrades & Added Features	$303	698	$211,250
Major Home Updates or Advancements	$363	698	$253,500

Calculate Your Dwelling Coverage in 99201

It's important to understand that when you estimate your replacement cost of your home in the 99201 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 Home & Auto Insurance Agencies in 99201

Capital Insurance

Address: 316 W Boone Ave, Ste 375 Spokane, WA 99201
Phone:
Website: http://www.progressiveagent.com/capital-insurance-spokane
Info:

Gina Lanza- Farmers Insurance

Address: 41 W Riverside Ave, Ste 220 Spokane, WA 99201
Phone:
Website: http://www.spokane.citysearch.com/profile/668138590/spokane_wa/gina_lanza_farmers_insurance.html
Info:

Blue Cross of Washington and Alaska

Address: 601 W Main Ave, #700 Spokane, WA 99201
Phone:
Website:
Info:

GEICO

Address: 327 W 3rd Ave Spokane, WA 99201
Phone:
Website: http://www.spokane.citysearch.com/profile/667334430/spokane_wa/geico.html
Info:

Allstate Insurance Company - Mike Redman

Address: 621 W Mallon Ave Spokane, WA 99201
Phone:
Website: http://www.spokane.citysearch.com/profile/664258370/spokane_wa/allstate_insurance_company_mike_redman.html
Info:

Housing Demographics for 99201

Population Review for 99201 Zip Code

For the city of Spokane, the population within 99201 has increased to over 13,699 residents in population size. The current population total is 15,716. We have broken down the population based on race below. In 99201, there are over 8437 in male population and 7279 females.

Population	Values
Total Population	15,716
White Population	12197
Black Population	591
Hispanic Population	1285
Asian Population	256
Hawaiian Population	114
Indian Population	666
Other Population	428
Male Population	8437
Female Population	7279
Population Estimate	13699

Household Data for 99201

The average number of homes in 99201 is around 7,929, there are an average of 1.73 per household. The average house value according to local real estate values is around $169,000. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	7,929
Persons Per Household	1.73
Average House Value	$169,000
Income Per Household	$31313
Median Age	38.8
Median Age Male	39.3
Median Age Female	38.0

99201 Details	Values
State	WA
State Full Name	Washington
City Type	P
City Alias Abbreviation
Area Code	509
City	Spokane
City Alias Name	SPOKANE
County	Spokane
County FIPS	063
State FIPS	53
Time Zone	8
Day Light Saving	Y
MSA	7840
PMSA
CSA	518
CBSA	44060
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Spokane-Spokane Valley, WA
MSA_Name	Spokane, WA MSA
PMSA_Name
Region	West
Division	Pacific
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1701
Number Of Employees	22754
Business First Quarter Payroll	356127
Business Annual Payroll	1496236
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	471221
CBSA Division Population	0
Congressional District	05
Congressional LandArea	15473.13
Delivery Residential	7919
Delivery Business	1773
Delivery Total	9637
Preferred Last Line Key	Z17491
Classification Code
Multi-County
CSA Name	Spokane-Spokane Valley-Coeur d'Alene, WA-ID
CBSA_DIV_Name
City State Key	Z17491
Land Area	2.970000
Water Area	0.194000
City Alias Code
City Mixed Case	Spokane
City Alias Mixed Case	Spokane
Box Count	0
SFDU	2874
MFDU	3667
State ANSI	53
County ANSI	063
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	548050
Unique ZIP Name
SSA State County Code	50310
Medicare CBSA Code	44060
Medicare CBSA Name	Spokane-Spokane Valley, WA
Medicare CBSA Type	Metro
Market Rating Area ID	4
County Mixed Case	Spokane

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 […]

Home Insurance Quotes in 99201!