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98281 Home Insurance Rates
Getting multiple homeowners insurance rates in 98281 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Point Roberts, WA. Many homeowners based out of the 98281 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Washington licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 98281 should appear in the zip code field ready to go. For Point Roberts, WA Home Insurance Quotes, Click to easily get started!
98281 Homeowners Insurance Rates, Average Rating: Very Low!
Your homeowners insurance policy in 98281 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Point Roberts. For a basic HO-3, standard homeowners policy, the average premium per year in Washington is around $669. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 98281 zip code today and let us help you save time and money on your homeowners insurance premium.
98281 Home Insurance Average Premiums
$419 /yr.
Shows Zip Code: 98281 lowest rates with discounts applied on average.
For the 98281, 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) | $419 /yr. |
| Average Coverage: | $669 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $969 /yr. |
What is the average home insurance cost for a home in 98281?
- • The average homeowners insurance premium paid annually for a home in 98281 is around $669 per year.
What does it cost on average per month for home insurance in 98281?
- • Homeowners in 98281 pay a monthly average cost per month around $56.00.
What kind of discount could I get if I combine my home and auto insurance together in 98281?
- • Autoowners in 98281 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 Point Roberts area, check out other zip codes nearby 98281.
Review average rates in another zip code:
98281 homeowners insurance rates
Home Replacement Cost Coverage in 98281
Average Building Cost Per Square Foot in 98281: $242
Location: Point Roberts, Washington (Whatcom County)Average Square Footage in 98281: 1,274 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98281 before you start any project. Point Roberts 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 98281 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 98281 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,274 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 Point Roberts 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 | 1,274 | $308,400 |
| Additional Upgrades & Added Features | $303 | 1,274 | $385,500 |
| Major Home Updates or Advancements | $363 | 1,274 | $462,600 |
It's important to understand that when you estimate your replacement cost of your home in the 98281 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 98281
Best Home & Auto Insurance Agencies in 98281
Housing Demographics for 98281
Population Review for 98281 Zip Code
For the city of Point Roberts, the population within 98281 has increased to over 2,876 residents in population size. The current population total is 1,191. We have broken down the population based on race below. In 98281, there are over 603 in male population and 588 females.
| Population | Values |
|---|---|
| Total Population | 1,191 |
| White Population | 1031 |
| Black Population | 3 |
| Hispanic Population | 57 |
| Asian Population | 51 |
| Hawaiian Population | 4 |
| Indian Population | 3 |
| Other Population | 13 |
| Male Population | 603 |
| Female Population | 588 |
| Population Estimate | 2876 |
Household Data for 98281
The average number of homes in 98281 is around 630, there are an average of 1.89 per household. The average house value according to local real estate values is around $308,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 630 |
| Persons Per Household | 1.89 |
| Average House Value | $308,400 |
| Income Per Household | $61447 |
| Median Age | 58.7 |
| Median Age Male | 58.4 |
| Median Age Female | 59.0 |
| 98281 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Point Roberts |
| City Alias Name | POINT ROBERTS |
| County | Whatcom |
| County FIPS | 073 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 0860 |
| PMSA | |
| CSA | |
| CBSA | 13380 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Bellingham, WA |
| MSA_Name | Bellingham, WA MSA |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 60 |
| Number Of Employees | 189 |
| Business First Quarter Payroll | 1893 |
| Business Annual Payroll | 7865 |
| 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 | 201140 |
| CBSA Division Population | 0 |
| Congressional District | 01|02 |
| Congressional LandArea | 6186.47|1015.02 |
| Delivery Residential | 1522 |
| Delivery Business | 43 |
| Delivery Total | 2228 |
| Preferred Last Line Key | Z17294 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z17294 |
| Land Area | 4.885000 |
| Water Area | 0.425000 |
| City Alias Code | |
| City Mixed Case | Point Roberts |
| City Alias Mixed Case | Point Roberts |
| Box Count | 542 |
| SFDU | 1423 |
| MFDU | 0 |
| State ANSI | 53 |
| County ANSI | 073 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 546650 |
| Unique ZIP Name | |
| SSA State County Code | 50360 |
| Medicare CBSA Code | 13380 |
| Medicare CBSA Name | Bellingham, WA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Whatcom |
Washington Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]