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Quickly Revew Homeowners Insurance in 99203

If you own a home in Spokane, WA you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 99203 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Washington licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 99203 and start comparing rates now.

99203 Homeowners Insurance Rates Are Considered: very low!

The average rate for a standard homeowners policy in 99203 is $746 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 99203 Home Insurance Rate Quotes Right Now!

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.

99203 Home Insurance Average Premiums

Local 99203 homeowners insurance quotes comparison

$496 /yr.

Shows Zip Code: 99203 lowest rates with discounts applied on average.

For the 99203, 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)
$496 /yr.
Average Coverage:$746 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1046 /yr.

What is the average home insurance cost for a home in 99203?

  • • The average homeowners insurance premium paid annually for a home in 99203 is around $746 per year.

What does it cost on average per month for home insurance in 99203?

  • • Homeowners in 99203 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 99203?

  • • Autoowners in 99203 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 99203.
Review average rates in another zip code:
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99223 homeowners insurance rates

Home Replacement Cost Coverage in 99203

Average Building Cost Per Square Foot in 99203: $242

Location: Spokane, Washington (Spokane County)

Average Square Footage in 99203: 1,421 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99203 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 99203 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 99203 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,421 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2421,421$343,800
Additional Upgrades & Added Features$3031,421$429,750
Major Home Updates or Advancements$3631,421$515,700

It's important to understand that when you estimate your replacement cost of your home in the 99203 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 99203

Best Home & Auto Insurance Agencies in 99203

J Praxel Insurance Agency Inc - State Farm Insurance Agent

Address: 1507 S Grand Blvd Spokane, WA 99203
Phone:
Website: http://www.spokane.citysearch.com/profile/external/46274533/spokane_wa/j_praxel_insurance_agcy_inc_state_farm_insurance_agent.html
Info:

Allstate Insurance Company - Richard Triesch

Address: 2829 S Grand Blvd Spokane, WA 99203
Phone:
Website: http://www.allstateagencies.com/013828?cid=OTC-YP.com-IYP&att=TL
Info:

Dick Triesch - Allstate Agent

Address: 2829 S Grand Blvd, Ste 303 Spokane, WA 99203
Phone:
Website: http://www.allstateagencies.com/RTriesch/Welcome/
Info:

Housing Demographics for 99203

Population Review for 99203 Zip Code

For the city of Spokane, the population within 99203 has increased to over 21,914 residents in population size. The current population total is 21,072. We have broken down the population based on race below. In 99203, there are over 9915 in male population and 11157 females.

PopulationValues
Total Population21,072
White Population18239
Black Population216
Hispanic Population989
Asian Population398
Hawaiian Population46
Indian Population138
Other Population281
Male Population9915
Female Population11157
Population Estimate21914

Household Data for 99203

The average number of homes in 99203 is around 8,786, there are an average of 2.36 per household. The average house value according to local real estate values is around $343,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,786
Persons Per Household2.36
Average House Value$343,800
Income Per Household$85516
Median Age42.8
Median Age Male41.2
Median Age Female44.3
99203 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code509
CitySpokane
City Alias NameSPOKANE
CountySpokane
County FIPS063
State FIPS53
Time Zone8
Day Light SavingY
MSA7840
PMSA
CSA518
CBSA44060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSpokane-Spokane Valley, WA
MSA_NameSpokane, WA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses369
Number Of Employees2705
Business First Quarter Payroll24970
Business Annual Payroll116266
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 Residential9286
Delivery Business160
Delivery Total10855
Preferred Last Line KeyZ17491
Classification Code
Multi-County
CSA NameSpokane-Spokane Valley-Coeur d'Alene, WA-ID
CBSA_DIV_Name
City State KeyZ17491
Land Area4.646000
Water Area0.008000
City Alias Code
City Mixed CaseSpokane
City Alias Mixed CaseSpokane
Box Count346
SFDU7949
MFDU1116
State ANSI53
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number548050
Unique ZIP Name
SSA State County Code50310
Medicare CBSA Code44060
Medicare CBSA NameSpokane-Spokane Valley, WA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseSpokane

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 […]