Compare 98109 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Seattle just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 20,489 neighbors looking to save on their home insurance policy in the local 98109 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 98109. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Washington rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Seattle, WA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Seattle, WA

98109 Home Insurance Average Premiums

Local 98109 homeowners insurance quotes comparison

$511 /yr.

Shows Zip Code: 98109 lowest rates with discounts applied on average.

For the 98109, 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)	$511 /yr.
Average Coverage:	$761 /yr.
2600 sq. ft. or higher (all discounts applied)	$1061 /yr.

What is the average home insurance cost for a home in 98109?

• The average homeowners insurance premium paid annually for a home in 98109 is around $761 per year.

What does it cost on average per month for home insurance in 98109?

• Homeowners in 98109 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 98109?

• Autoowners in 98109 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 Seattle area, check out other zip codes nearby 98109.
Review average rates in another zip code:
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98168 homeowners insurance rates

Home Replacement Cost Coverage in 98109

Average Building Cost Per Square Foot in 98109: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98109: 3,381 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98109 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 98109 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 98109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,381 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.

Home Improvement Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$242	3,381	$818,200
Additional Upgrades & Added Features	$303	3,381	$1,022,750
Major Home Updates or Advancements	$363	3,381	$1,227,300

Calculate Your Dwelling Coverage in 98109

It's important to understand that when you estimate your replacement cost of your home in the 98109 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 98109

Nunn, Greg - State Farm Insurance Agent

Address: 200 Roy St Seattle, WA 98109
Phone:
Website: http://www.seattle.citysearch.com/profile/external/46274420/seattle_wa/nunn_greg_state_farm_insurance_agent.html
Info:

Jeremy Olson - Allstate Agent

Address: 7 Denny Way Seattle, WA 98109
Phone:
Website: http://www.agents.allstate.com/USA/WA/jeremy-olson.html
Info:

Allstate

Address: 222 Westlake Ave N, #N Seattle, WA 98109
Phone:
Website: http://www.allstateagencies.com/TonyMai/Welcome/
Info:

PEMCO Insurance

Address: 325 Eastlake Ave E Seattle, WA 98109
Phone:
Website: http://www.pemco.com/
Info:

Chris Elliott- Farmers Insurance

Address: 111 Queen Anne Ave N, Ste 201 Seattle, WA 98109
Phone:
Website: http://www.seattle.citysearch.com/profile/663675310/seattle_wa/chris_elliott_farmers_insurance.html
Info:

Housing Demographics for 98109

Population Review for 98109 Zip Code

For the city of Seattle, the population within 98109 has increased to over 38,531 residents in population size. The current population total is 34,551. We have broken down the population based on race below. In 98109, there are over 18532 in male population and 16019 females.

Population	Values
Total Population	34,551
White Population	19598
Black Population	1421
Hispanic Population	2502
Asian Population	9420
Hawaiian Population	53
Indian Population	193
Other Population	792
Male Population	18532
Female Population	16019
Population Estimate	38531

Household Data for 98109

The average number of homes in 98109 is around 20,489, there are an average of 1.62 per household. The average house value according to local real estate values is around $818,200. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	20,489
Persons Per Household	1.62
Average House Value	$818,200
Income Per Household	$111059
Median Age	31.5
Median Age Male	31.5
Median Age Female	31.5

98109 Details	Values
State	WA
State Full Name	Washington
City Type	P
City Alias Abbreviation
Area Code	206/425
City	Seattle
City Alias Name	SEATTLE
County	King
County FIPS	033
State FIPS	53
Time Zone	8
Day Light Saving	Y
MSA	7602
PMSA	7600
CSA	500
CBSA	42660
CBSA_DIV	42644
CBSA_Type	Metro
CBSA_Name	Seattle-Tacoma-Bellevue, WA
MSA_Name	Seattle-Tacoma-Bremerton, WA CMSA
PMSA_Name	Seattle-Bellevue-Everett, WA PMSA
Region	West
Division	Pacific
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1750
Number Of Employees	62958
Business First Quarter Payroll	2169481
Business Annual Payroll	9113071
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	3439809
CBSA Division Population	1931249
Congressional District	07
Congressional LandArea	144.13
Delivery Residential	23785
Delivery Business	1541
Delivery Total	27250
Preferred Last Line Key	Z17429
Classification Code
Multi-County
CSA Name	Seattle-Tacoma, WA
CBSA_DIV_Name	Seattle-Bellevue-Kent, WA
City State Key	Z17429
Land Area	1.935000
Water Area	0.303000
City Alias Code
City Mixed Case	Seattle
City Alias Mixed Case	Seattle
Box Count	393
SFDU	2988
MFDU	20249
State ANSI	53
County ANSI	033
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	547616
Unique ZIP Name
SSA State County Code	50160
Medicare CBSA Code	42644
Medicare CBSA Name	Seattle-Bellevue-Kent, WA
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	King

Washington Homeowners Insurance News & Information

Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

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