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98220, WA Homeowners Insurance Rates

With a population size of 612 and with 230 occupied homes in the 98220 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Acme, WA are around $739 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Acme, Washington. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Washington home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Acme, WA.

For Washington home insurance information, including average Acme home insurance rates, coverage options or the different homeowners insurance types, please select Acme, WA Home Insurance Quotes Now!

98220 Home Insurance Average Premiums

Local 98220 homeowners insurance quotes comparison

$489 /yr.

Shows Zip Code: 98220 lowest rates with discounts applied on average.

For the 98220, 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)
$489 /yr.
Average Coverage:$739 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1039 /yr.

What is the average home insurance cost for a home in 98220?

  • • The average homeowners insurance premium paid annually for a home in 98220 is around $739 per year.

What does it cost on average per month for home insurance in 98220?

  • • Homeowners in 98220 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 98220?

  • • Autoowners in 98220 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 Acme area, check out other zip codes nearby 98220.
Review average rates in another zip code:
98220 homeowners insurance rates

Home Replacement Cost Coverage in 98220

Average Building Cost Per Square Foot in 98220: $242

Location: Acme, Washington (Whatcom County)

Average Square Footage in 98220: 1,408 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98220 before you start any project. Acme 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 98220 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 98220 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,408 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 Acme 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$2421,408$340,700
Additional Upgrades & Added Features$3031,408$425,875
Major Home Updates or Advancements$3631,408$511,050

It's important to understand that when you estimate your replacement cost of your home in the 98220 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 98220

Best Home & Auto Insurance Agencies in 98220

Housing Demographics for 98220

Population Review for 98220 Zip Code

For the city of Acme, the population within 98220 has increased to over 385 residents in population size. The current population total is 612. We have broken down the population based on race below. In 98220, there are over 311 in male population and 301 females.

PopulationValues
Total Population612
White Population560
Black Population1
Hispanic Population24
Asian Population2
Hawaiian Population2
Indian Population6
Other Population5
Male Population311
Female Population301
Population Estimate385

Household Data for 98220

The average number of homes in 98220 is around 230, there are an average of 2.66 per household. The average house value according to local real estate values is around $340,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode230
Persons Per Household2.66
Average House Value$340,700
Income Per Household$102014
Median Age45.8
Median Age Male43.4
Median Age Female50.1
98220 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityAcme
City Alias NameACME
CountyWhatcom
County FIPS073
State FIPS53
Time Zone8
Day Light SavingY
MSA0860
PMSA
CSA
CBSA13380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBellingham, WA
MSA_NameBellingham, WA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses14
Number Of Employees92
Business First Quarter Payroll813
Business Annual Payroll3626
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population201140
CBSA Division Population0
Congressional District02
Congressional LandArea1015.02
Delivery Residential145
Delivery Business1
Delivery Total363
Preferred Last Line KeyZ16408
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16408
Land Area20.289000
Water Area0.115000
City Alias Code
City Mixed CaseAcme
City Alias Mixed CaseAcme
Box Count187
SFDU145
MFDU0
State ANSI53
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number540042
Unique ZIP Name
SSA State County Code50360
Medicare CBSA Code13380
Medicare CBSA NameBellingham, WA
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseWhatcom

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 […]