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Quickly Revew Homeowners Insurance in 98312

If you own a home in Bremerton, WA you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 98312 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Washington licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 98312 and start comparing rates now.

98312 Homeowners Insurance Rates Are Considered: very low!

The average rate for a standard homeowners policy in 98312 is $690 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 98312 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Bremerton, WA home insurance quotes in your local city and review the most competitive coverages and premiums.

98312 Home Insurance Average Premiums

Local 98312 homeowners insurance quotes comparison

$440 /yr.

Shows Zip Code: 98312 lowest rates with discounts applied on average.

For the 98312, 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)
$440 /yr.
Average Coverage:$690 /yr.
2600 sq. ft. or higher
(all discounts applied)
$990 /yr.

What is the average home insurance cost for a home in 98312?

  • • The average homeowners insurance premium paid annually for a home in 98312 is around $690 per year.

What does it cost on average per month for home insurance in 98312?

  • • Homeowners in 98312 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 98312?

  • • Autoowners in 98312 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 Bremerton area, check out other zip codes nearby 98312.
Review average rates in another zip code:
98310 homeowners insurance rates
98314 homeowners insurance rates
98337 homeowners insurance rates
98311 homeowners insurance rates
98312 homeowners insurance rates

Home Replacement Cost Coverage in 98312

Average Building Cost Per Square Foot in 98312: $242

Location: Bremerton, Washington (Kitsap County)

Average Square Footage in 98312: 1,315 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98312 before you start any project. Bremerton 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 98312 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 98312 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,315 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 Bremerton 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$2421,315$318,200
Additional Upgrades & Added Features$3031,315$397,750
Major Home Updates or Advancements$3631,315$477,300

It's important to understand that when you estimate your replacement cost of your home in the 98312 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 98312

Best Home & Auto Insurance Agencies in 98312

ACE Cash Express

Address: 3100 Kitsap Way Bremerton, WA 98312
Phone:
Website: http://www.acecashexpress.com/
Info:

Allstate Insurance Company - Derrin Doty

Address: 3331 Kitsap Way Bremerton, WA 98312
Phone:
Website: http://www.allstateagencies.com/023608?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 98312

Population Review for 98312 Zip Code

For the city of Bremerton, the population within 98312 has increased to over 35,424 residents in population size. The current population total is 33,405. We have broken down the population based on race below. In 98312, there are over 16967 in male population and 16438 females.

PopulationValues
Total Population33,405
White Population24304
Black Population1392
Hispanic Population3489
Asian Population1464
Hawaiian Population360
Indian Population457
Other Population1193
Male Population16967
Female Population16438
Population Estimate35424

Household Data for 98312

The average number of homes in 98312 is around 13,302, there are an average of 2.48 per household. The average house value according to local real estate values is around $318,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,302
Persons Per Household2.48
Average House Value$318,200
Income Per Household$71163
Median Age36.7
Median Age Male35.8
Median Age Female37.8
98312 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityBremerton
City Alias NameBREMERTON
CountyKitsap
County FIPS035
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA1150
CSA500
CBSA14740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBremerton-Silverdale-Port Orchard, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameBremerton, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses623
Number Of Employees7634
Business First Quarter Payroll92347
Business Annual Payroll413866
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population251133
CBSA Division Population0
Congressional District06
Congressional LandArea6902.73
Delivery Residential14284
Delivery Business615
Delivery Total18492
Preferred Last Line KeyZ16527
Classification Code
Multi-CountyY
CSA NameSeattle-Tacoma, WA
CBSA_DIV_Name
City State KeyZ16527
Land Area65.743000
Water Area5.963000
City Alias Code
City Mixed CaseBremerton
City Alias Mixed CaseBremerton
Box Count697
SFDU9744
MFDU1640
State ANSI53
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number540840
Unique ZIP Name
SSA State County Code50170
Medicare CBSA Code14740
Medicare CBSA NameBremerton-Silverdale-Port Orchard, WA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseKitsap

Washington Homeowners Insurance News & Information

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    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 […]