98105 Homeowners Insurance Quotes & Rates

Seattle residents living within the 18,706 homes available in the zip code of 98105 are shopping online to compare cheaper and more affordable Seattle, WA home insurance rates. In the great city of Seattle, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Washington is around $658 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 98105 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 98105 home insurance rates today! Please give us a call now at 1-855-976-2656. For Seattle, WA Homeowners Insurance Quotes, Click to easily get started!

Average Building Cost Per Square Foot in 98105: $242

Average Square Footage in 98105: 4,389 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98105 before you start any project. Seattle 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 98105 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 98105 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,389 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 Seattle 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.

It's important to understand that when you estimate your replacement cost of your home in the 98105 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.

Allstate Insurance - John Ramsay

Allstate Insurance - Paul Vogel

Allstate Insurance - Danny Fong

John Evans- Farmers Insurance

Allstate Insurance - Danny Fong

Paul Thompson - Farmers Insurance

Allstate Insurance - John Ramsay

Forrest Dawson - State Farm Insurance

Household Data for 98105

The average number of homes in 98105 is around 18,706, there are an average of 2.15 per household. The average house value according to local real estate values is around $1,062,200. Please review the following demographics below for average income and media age.

• 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 […]