Get multiple home insurance quotes in 98004. Our licensed 98004, WA agents are ready to serve you.

98004 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 98004 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Bellevue, WA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 98004 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Washington, like average Bellevue homeowners insurance rates, coverage options or home insurance types, please select Bellevue, WA Home Insurance Rates Online!

98004 Home Insurance Average Premiums

Local 98004 homeowners insurance quotes comparison

$242 /yr.

Shows Zip Code: 98004 lowest rates with discounts applied on average.

For the 98004, 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)
$242 /yr.
Average Coverage:$492 /yr.
2600 sq. ft. or higher
(all discounts applied)
$792 /yr.

What is the average home insurance cost for a home in 98004?

  • • The average homeowners insurance premium paid annually for a home in 98004 is around $492 per year.

What does it cost on average per month for home insurance in 98004?

  • • Homeowners in 98004 pay a monthly average cost per month around $41.00.

What kind of discount could I get if I combine my home and auto insurance together in 98004?

  • • Autoowners in 98004 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 Bellevue area, check out other zip codes nearby 98004.
Review average rates in another zip code:
98006 homeowners insurance rates
98008 homeowners insurance rates
98007 homeowners insurance rates
98005 homeowners insurance rates
98004 homeowners insurance rates

Home Replacement Cost Coverage in 98004

Average Building Cost Per Square Foot in 98004: $242

Location: Bellevue, Washington (King County)

Average Square Footage in 98004: 6,556 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98004 before you start any project. Bellevue 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 98004 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 98004 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 6,556 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 Bellevue 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$2426,556$1,586,500
Additional Upgrades & Added Features$3036,556$1,983,125
Major Home Updates or Advancements$3636,556$2,379,750

It's important to understand that when you estimate your replacement cost of your home in the 98004 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 98004

Allstate Insurance - Sheila D Saxton

Address: 11422 N.E. 21st St. Bellevue, WA 98004
Phone: (425)451-4400
Website:

The Rabourn Company

Address: PO Box 1948 Bellevue, WA 98004
Phone: (425)688-8600
Website: www.rabournco.com

National Specialty

Address: 155 108th Ave NE Ste 501 Bellevue, WA 98004
Phone: (425)450-1090
Website: www.nsui.com

AAA Insurance Agency

Address: 1745 114th Ave SE Bellevue, WA 98004
Phone: (425)646-2061
Website: www.aaa.com

Best Home & Auto Insurance Agencies in 98004

Metlife Auto & Home Insurance

Address: 255 108th Ave NE, Ste 300 Bellevue, WA 98004
Phone:
Website: http://www.metlife.com/
Info:

AAA Insurance Agency

Address: 1745 114th Ave SE Bellevue, WA 98004
Phone:
Website: http://www.aaa.com
Info:

Allstate Insurance - Sheila D Saxton

Address: 11422 NE 21st St Bellevue, WA 98004
Phone:
Website:
Info:

Bellevue Car Insurance

Address: 123 Bellevue Way NE Bellevue, WA 98004
Phone:
Website:
Info:

Bankers Life and Casualty CO

Address: 11201 SE 8th St Bellevue, WA 98004
Phone:
Website:
Info:

Housing Demographics for 98004

Population Review for 98004 Zip Code

For the city of Bellevue, the population within 98004 has increased to over 42,393 residents in population size. The current population total is 39,136. We have broken down the population based on race below. In 98004, there are over 19796 in male population and 19340 females.

PopulationValues
Total Population39,136
White Population19679
Black Population781
Hispanic Population2100
Asian Population14767
Hawaiian Population67
Indian Population122
Other Population777
Male Population19796
Female Population19340
Population Estimate42393

Household Data for 98004

The average number of homes in 98004 is around 18,370, there are an average of 2.12 per household. The average house value according to local real estate values is around $1,586,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,370
Persons Per Household2.12
Average House Value$1,586,500
Income Per Household$154403
Median Age36.8
Median Age Male35.4
Median Age Female38.2
98004 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code425
CityBellevue
City Alias NameBELLEVUE
CountyKing
County FIPS033
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA7600
CSA500
CBSA42660
CBSA_DIV42644
CBSA_TypeMetro
CBSA_NameSeattle-Tacoma-Bellevue, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameSeattle-Bellevue-Everett, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3075
Number Of Employees74052
Business First Quarter Payroll2906144
Business Annual Payroll11876047
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3439809
CBSA Division Population1931249
Congressional District01|09
Congressional LandArea6186.47|183.43
Delivery Residential19997
Delivery Business2220
Delivery Total30633
Preferred Last Line KeyZ16493
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameSeattle-Bellevue-Kent, WA
City State KeyZ16493
Land Area7.270000
Water Area1.582000
City Alias Code
City Mixed CaseBellevue
City Alias Mixed CaseBellevue
Box Count0
SFDU6170
MFDU12700
State ANSI53
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number540602
Unique ZIP Name
SSA State County Code50160
Medicare CBSA Code42644
Medicare CBSA NameSeattle-Bellevue-Kent, WA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseKing

Washington Homeowners Insurance News & Information

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]