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Are you paying too much for homeowners insurance in 99205? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Spokane, WA that provides all of the protection you need at a price that is affordable.
Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Washington licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.
Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 99205?
- Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
- Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
- Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.
Our service is always free so get started today. Free 99205 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 99205 and get ready to save.
3 Easy Ways To Save Money In 99205
These three links will help you explore home insurance quotes in 99205 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.
Get Your 99205 Home Insurance Costs Rated: very low!
The average price for a homeowners insurance policy in Spokane is roughly $679. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.
If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.
99205 Home Insurance Average Premiums
$429 /yr.
Shows Zip Code: 99205 lowest rates with discounts applied on average.
For the 99205, 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) | $429 /yr. |
| Average Coverage: | $679 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $979 /yr. |
What is the average home insurance cost for a home in 99205?
- • The average homeowners insurance premium paid annually for a home in 99205 is around $679 per year.
What does it cost on average per month for home insurance in 99205?
- • Homeowners in 99205 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 99205?
- • Autoowners in 99205 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 99205.
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Home Replacement Cost Coverage in 99205
Average Building Cost Per Square Foot in 99205: $242
Location: Spokane, Washington (Spokane County)Average Square Footage in 99205: 824 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 99205 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 99205 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 99205 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 824 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 | 824 | $199,300 |
| Additional Upgrades & Added Features | $303 | 824 | $249,125 |
| Major Home Updates or Advancements | $363 | 824 | $298,950 |
It's important to understand that when you estimate your replacement cost of your home in the 99205 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 99205
Allstate Insurance - Steve Wilson
Address: 1616 W Wellesley Ave Suite D Spokane, WA 99205Phone: (509)325-9388
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=15204
All Lines Insurance-North
Address: 1504 W Northwest Blvd Spokane, WA 99205Phone: (509)468-4224
Website:
Marins Accurate Insurance Inc
Address: 164 S Washington St Spokane, WA 99205Phone: (509)456-8993
Website: www.accurateins.com
Best Home & Auto Insurance Agencies in 99205
Allstate Insurance Company - Richard Cerenzia
Address: 1520 W Garland Ave Spokane, WA 99205Phone:
Website: http://www.spokane.citysearch.com/profile/656193320/spokane_wa/allstate_insurance_company_richard_cerenzia.html
Info:
Marlen Guell- Farmers Insurance
Address: 4402 N Wall St, #A Spokane, WA 99205Phone:
Website: http://www.spokane.citysearch.com/profile/662969810/spokane_wa/marlen_guell_farmers_insurance.html
Info:
Metlife Auto & Home Insurance
Address: 1414 W Garland Ave, #105 Spokane, WA 99205Phone:
Website: http://www.metlife.com/
Info:
Watson, Tom - State Farm Insurance Agent
Address: 5521 N Alberta St Spokane, WA 99205Phone:
Website: http://www.citysearch.com/profile/external/605148922/spokane_wa/watson_tom_state_farm_insurance_agent.html
Info:
Allstate Insurance - Steve Wilson
Address: 1616 W Wellesley Ave Spokane, WA 99205Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=15204
Info:
Housing Demographics for 99205
Population Review for 99205 Zip Code
For the city of Spokane, the population within 99205 has increased to over 43,760 residents in population size. The current population total is 44,036. We have broken down the population based on race below. In 99205, there are over 21636 in male population and 22400 females.
| Population | Values |
|---|---|
| Total Population | 44,036 |
| White Population | 36041 |
| Black Population | 848 |
| Hispanic Population | 2985 |
| Asian Population | 692 |
| Hawaiian Population | 230 |
| Indian Population | 777 |
| Other Population | 870 |
| Male Population | 21636 |
| Female Population | 22400 |
| Population Estimate | 43760 |
Household Data for 99205
The average number of homes in 99205 is around 18,125, there are an average of 2.41 per household. The average house value according to local real estate values is around $199,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 18,125 |
| Persons Per Household | 2.41 |
| Average House Value | $199,300 |
| Income Per Household | $60676 |
| Median Age | 36.7 |
| Median Age Male | 35.5 |
| Median Age Female | 37.9 |
| 99205 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 | 735 |
| Number Of Employees | 7206 |
| Business First Quarter Payroll | 77018 |
| Business Annual Payroll | 328011 |
| 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 | 18158 |
| Delivery Business | 730 |
| Delivery Total | 19006 |
| 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 | 8.967000 |
| Water Area | 0.064000 |
| City Alias Code | |
| City Mixed Case | Spokane |
| City Alias Mixed Case | Spokane |
| Box Count | 0 |
| SFDU | 16998 |
| MFDU | 979 |
| 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
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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 […]
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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 […]
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$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 […]