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99354 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 99354 zip code it's important to know that our rates are very competitive for homeowners living in Richland, WA. Many homeowners based out of your 99354 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 home 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 99354 should appear in the zip code field ready to go. For Richland, WA Homeowners Insurance Quotes nearby, we offer the best rates and service.

99354: Average Home Insurance Rates

For homeowners living in the great city of Richland, the average homeowners policy is considered very low in comparison to other states. Washington premiums are estimated to be around $670 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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99354 Home Insurance Average Premiums

Local 99354 homeowners insurance quotes comparison

$420 /yr.

Shows Zip Code: 99354 lowest rates with discounts applied on average.

For the 99354, 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)		$420 /yr.
Average Coverage:$670 /yr.
2600 sq. ft. or higher
(all discounts applied)		$970 /yr.

What is the average home insurance cost for a home in 99354?

  • • The average homeowners insurance premium paid annually for a home in 99354 is around $670 per year.

What does it cost on average per month for home insurance in 99354?

  • • Homeowners in 99354 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 99354?

  • • Autoowners in 99354 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 Richland area, check out other zip codes nearby 99354.
Review average rates in another zip code:
99352 homeowners insurance rates
99354 homeowners insurance rates

Home Replacement Cost Coverage in 99354

Average Building Cost Per Square Foot in 99354: $242

Location: Richland, Washington (Benton County)

Average Square Footage in 99354: 1,117 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99354 before you start any project. Richland 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 99354 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 99354 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,117 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 Richland 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$2421,117$270,200
Additional Upgrades & Added Features$3031,117$337,750
Major Home Updates or Advancements$3631,117$405,300

It's important to understand that when you estimate your replacement cost of your home in the 99354 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 99354

Best Home & Auto Insurance Agencies in 99354

Bruggeman- Delmont C

Address: 1301 George Washington Way Richland, WA 99354
Phone:
Website:
Info:

Housing Demographics for 99354

Population Review for 99354 Zip Code

For the city of Richland, the population within 99354 has increased to over 25,553 residents in population size. The current population total is 24,839. We have broken down the population based on race below. In 99354, there are over 12370 in male population and 12469 females.

PopulationValues
Total Population24,839
White Population19023
Black Population416
Hispanic Population3456
Asian Population1216
Hawaiian Population61
Indian Population179
Other Population1505
Male Population12370
Female Population12469
Population Estimate25553

Household Data for 99354

The average number of homes in 99354 is around 10,107, there are an average of 2.43 per household. The average house value according to local real estate values is around $270,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,107
Persons Per Household2.43
Average House Value$270,200
Income Per Household$75365
Median Age37.2
Median Age Male35.9
Median Age Female38.5
99354 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code509
CityRichland
City Alias NameRICHLAND
CountyBenton
County FIPS005
State FIPS53
Time Zone8
Day Light SavingY
MSA6740
PMSA
CSA314
CBSA28420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameKennewick-Richland, WA
MSA_NameRichland-Kennewick-Pasco, WA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses420
Number Of Employees8495
Business First Quarter Payroll129236
Business Annual Payroll614130
Business Employment Flag
Growth Rank54
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number5501
Growth Increase Percentage3.1
Metropolitan DetailsValues
CBSA Population253340
CBSA Division Population0
Congressional District04
Congressional LandArea19250.22
Delivery Residential10516
Delivery Business595
Delivery Total15499
Preferred Last Line KeyZ17363
Classification Code
Multi-County
CSA NameKennewick-Richland-Walla Walla, WA
CBSA_DIV_Name
City State KeyZ17363
Land Area23.933000
Water Area1.829000
City Alias Code
City Mixed CaseRichland
City Alias Mixed CaseRichland
Box Count0
SFDU5596
MFDU1720
State ANSI53
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number547140
Unique ZIP Name
SSA State County Code50020
Medicare CBSA Code28420
Medicare CBSA NameKennewick-Richland, WA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseBenton

Washington Homeowners Insurance News & Information

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