Get multiple home insurance quotes in 98366. Our licensed 98366, WA agents are ready to serve you.

Homeowners Insurance in 98366

In Port Orchard, WA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 98366 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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. Best of all, you can get up to 12 competitive quotes for your home in 98366 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 98366 should appear in the zip code field ready to go.

98366 Homeowners Insurance Rates Are Considered: Very Low!

If your looking for a standard homeowners policy in Washington, you are going to see rates around the average home insurance premium per year of $753. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Port Orchard home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 98366 Home Insurance Rates Now!

Best 3 Options to Compare in 98366

If you want homeowners insurance quotes within the city of Port Orchard or in the 98366 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Port Orchard, WA.

98366 Home Insurance Average Premiums

Local 98366 homeowners insurance quotes comparison

$503 /yr.

Shows Zip Code: 98366 lowest rates with discounts applied on average.

For the 98366, 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)
$503 /yr.
Average Coverage:$753 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1053 /yr.

What is the average home insurance cost for a home in 98366?

  • • The average homeowners insurance premium paid annually for a home in 98366 is around $753 per year.

What does it cost on average per month for home insurance in 98366?

  • • Homeowners in 98366 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 98366?

  • • Autoowners in 98366 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 Port Orchard area, check out other zip codes nearby 98366.
Review average rates in another zip code:
98367 homeowners insurance rates
98366 homeowners insurance rates

Home Replacement Cost Coverage in 98366

Average Building Cost Per Square Foot in 98366: $242

Location: Port Orchard, Washington (Kitsap County)

Average Square Footage in 98366: 1,434 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98366 before you start any project. Port Orchard 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 98366 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 98366 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,434 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 Port Orchard 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$2421,434$347,100
Additional Upgrades & Added Features$3031,434$433,875
Major Home Updates or Advancements$3631,434$520,650

It's important to understand that when you estimate your replacement cost of your home in the 98366 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 98366

Best Home & Auto Insurance Agencies in 98366

Dee Fitzgerald State Farm Home Life Auto Insurance

Address: 4273 SE Mile Hill Dr Port Orchard, WA 98366
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/47/2694
Info:

Allstate Insurance Company - Randi Jantz

Address: 1752 Village Way SE Port Orchard, WA 98366
Phone:
Website: http://www.allstateagencies.com/030921?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance Company - Derrin Doty

Address: 1622 Bay St Port Orchard, WA 98366
Phone:
Website: http://www.allstate.com/
Info:

WAYNE TRIPP-FARMERS INSURANCE

Address: 104 Tremont St-100 Port Orchard, WA 98366
Phone:
Website: http://www.national.citysearch.com/profile/external/10852272/port_orchard_wa/wayne_tripp_farmers_insurance.html
Info:

Brian Horch Insurance

Address: 2501 SE Mile Hill Dr-107 Port Orchard, WA 98366
Phone:
Website: http://www.national.citysearch.com/profile/external/34969796/port_orchard_wa/brian_horch_insurance.html
Info:

Housing Demographics for 98366

Population Review for 98366 Zip Code

For the city of Port Orchard, the population within 98366 has increased to over 36,817 residents in population size. The current population total is 36,969. We have broken down the population based on race below. In 98366, there are over 18534 in male population and 18435 females.

PopulationValues
Total Population36,969
White Population28097
Black Population952
Hispanic Population3095
Asian Population1564
Hawaiian Population580
Indian Population437
Other Population886
Male Population18534
Female Population18435
Population Estimate36817

Household Data for 98366

The average number of homes in 98366 is around 14,138, there are an average of 2.56 per household. The average house value according to local real estate values is around $347,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,138
Persons Per Household2.56
Average House Value$347,100
Income Per Household$76169
Median Age38.5
Median Age Male36.8
Median Age Female40.1
98366 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityPort Orchard
City Alias NamePORT ORCHARD
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 Businesses760
Number Of Employees7132
Business First Quarter Payroll63481
Business Annual Payroll284311
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 Residential14382
Delivery Business729
Delivery Total16901
Preferred Last Line KeyZ17304
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_Name
City State KeyZ17304
Land Area23.411000
Water Area5.596000
City Alias Code
City Mixed CasePort Orchard
City Alias Mixed CasePort Orchard
Box Count1189
SFDU10327
MFDU1544
State ANSI53
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number546762
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

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]