99218 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 99218? Our rates are very competitive for homeowners living in Spokane, WA. Many homeowners based out of your 99218 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 99218 should appear in the zip code field ready to go. For Spokane, WA Home Insurance Rate Quotes click to review the best rates and service online!

99218 Average Premium is Rated: Very Low!

Homeowners living in 99218 can easily save up to 40% off the average home insurance premium of $674 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 Spokane 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 99218 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 99218!

99218 Home Insurance Average Premiums

Local 99218 homeowners insurance quotes comparison

$424 /yr.

Shows Zip Code: 99218 lowest rates with discounts applied on average.

For the 99218, 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)	$424 /yr.
Average Coverage:	$674 /yr.
2600 sq. ft. or higher (all discounts applied)	$974 /yr.

What is the average home insurance cost for a home in 99218?

• The average homeowners insurance premium paid annually for a home in 99218 is around $674 per year.

What does it cost on average per month for home insurance in 99218?

• Homeowners in 99218 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 99218?

• Autoowners in 99218 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 99218.
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Home Replacement Cost Coverage in 99218

Average Building Cost Per Square Foot in 99218: $242

Location: Spokane, Washington (Spokane County)

Average Square Footage in 99218: 1,284 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99218 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 99218 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 99218 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,284 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	1,284	$310,700
Additional Upgrades & Added Features	$303	1,284	$388,375
Major Home Updates or Advancements	$363	1,284	$466,050

Calculate Your Dwelling Coverage in 99218

It's important to understand that when you estimate your replacement cost of your home in the 99218 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 99218

D Kent Burns-Farmers Insurance

Address: 9507 N Division St, Ste J Spokane, WA 99218
Phone:
Website:
Info:

Marshall, Tammy - State Farm Insurance Agent

Address: 10414 US-2, Ste 5 Spokane, WA 99218
Phone:
Website: http://www.spokane.citysearch.com/profile/external/618531480/spokane_wa/marshall_tammy_state_farm_insurance_agent.html
Info:

AAG Insurance

Address: 10408 US-2, Ste 1 Spokane, WA 99218
Phone:
Website: http://www.aag-services.com/
Info:

Flager, Charlie - State Farm Insurance Agent

Address: 12204 N Division St Spokane, WA 99218
Phone:
Website: http://www.spokane.citysearch.com/profile/external/46274528/spokane_wa/flager_charlie_state_farm_insurance_agent.html
Info:

D Kent Burns - Farmers Insurance

Address: 9507 N Division St Spokane, WA 99218
Phone:
Website: http://www.spokane.citysearch.com/profile/external/618469140/spokane_wa/d_kent_burns_farmers_insurance.html
Info:

Housing Demographics for 99218

Population Review for 99218 Zip Code

For the city of Spokane, the population within 99218 has increased to over 15,022 residents in population size. The current population total is 15,591. We have broken down the population based on race below. In 99218, there are over 7224 in male population and 8367 females.

Population	Values
Total Population	15,591
White Population	12906
Black Population	275
Hispanic Population	891
Asian Population	346
Hawaiian Population	134
Indian Population	175
Other Population	288
Male Population	7224
Female Population	8367
Population Estimate	15022

Household Data for 99218

The average number of homes in 99218 is around 5,946, there are an average of 2.51 per household. The average house value according to local real estate values is around $310,700. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	5,946
Persons Per Household	2.51
Average House Value	$310,700
Income Per Household	$59433
Median Age	38.2
Median Age Male	35.8
Median Age Female	40.6

99218 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	595
Number Of Employees	8565
Business First Quarter Payroll	80805
Business Annual Payroll	366910
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	5985
Delivery Business	558
Delivery Total	9592
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	6.791000
Water Area	0.001000
City Alias Code
City Mixed Case	Spokane
City Alias Mixed Case	Spokane
Box Count	0
SFDU	2884
MFDU	1871
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 99218!