98146 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 98146 zip code it's important to know that our rates are very competitive for homeowners living in Seattle, WA. Many homeowners based out of your 98146 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 98146 should appear in the zip code field ready to go. For Seattle, WA Homeowners Insurance Quotes nearby, we offer the best rates and service.

98146: Average Home Insurance Rates

For homeowners living in the great city of Seattle, the average homeowners policy is considered very low in comparison to other states. Washington premiums are estimated to be around $760 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.

Save on 98146 Home Insurance Quotes!

Average Building Cost Per Square Foot in 98146: $242

Average Square Footage in 98146: 2,027 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98146 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 98146 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 98146 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,027 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 98146 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.

Steven Teasley - Farmers Insurance

Allstate Insurance Companies

Household Data for 98146

The average number of homes in 98146 is around 10,479, there are an average of 2.71 per household. The average house value according to local real estate values is around $490,500. 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 […]