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97366 Home Insurance Rates
Getting multiple homeowners insurance rates in 97366 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 South Beach, OR. Many homeowners based out of the 97366 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 Oregon 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 97366 should appear in the zip code field ready to go. For South Beach, OR Home Insurance Quotes, Click to easily get started!
97366 Homeowners Insurance Rates, Average Rating: Very Low!
Your homeowners insurance policy in 97366 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 South Beach. For a basic HO-3, standard homeowners policy, the average premium per year in Oregon is around $610. 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 97366 zip code today and let us help you save time and money on your homeowners insurance premium.
97366 Home Insurance Average Premiums
$360 /yr.
Shows Zip Code: 97366 lowest rates with discounts applied on average.
For the 97366, 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) | $360 /yr. |
| Average Coverage: | $610 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $910 /yr. |
What is the average home insurance cost for a home in 97366?
- • The average homeowners insurance premium paid annually for a home in 97366 is around $610 per year.
What does it cost on average per month for home insurance in 97366?
- • Homeowners in 97366 pay a monthly average cost per month around $51.00.
What kind of discount could I get if I combine my home and auto insurance together in 97366?
- • Autoowners in 97366 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.
You can easily shop and compare home insurance rates within South Beach, check out other zip codes nearby 97366.
To review average rates in another zip code, click on a zip code below:
97366 |
Home Replacement Cost Coverage in 97366
Average Building Cost Per Square Foot in 97366: $221
Location: South Beach, Oregon (Lincoln County)Average Square Footage in 97366: 1,627 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97366 before you start any project. South Beach homeowners pay on average around $221 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 97366 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 97366 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,627 sq. ft. and the average cost to rebuild the home in this area is around $221 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 South Beach 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 | $221 | 1,627 | $359,500 |
| Additional Upgrades & Added Features | $276 | 1,627 | $449,375 |
| Major Home Updates or Advancements | $332 | 1,627 | $539,250 |
It's important to understand that when you estimate your replacement cost of your home in the 97366 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 97366
Best Home & Auto Insurance Agencies in 97366
Housing Demographics for 97366
Population Review for 97366 Zip Code
For the city of South Beach, the population within 97366 has increased to over 1,865 residents in population size. The current population total is 1,687. We have broken down the population based on race below. In 97366, there are over 814 in male population and 873 females.
| Population | Values |
|---|---|
| Total Population | 1,687 |
| White Population | 1500 |
| Black Population | 3 |
| Hispanic Population | 111 |
| Asian Population | 11 |
| Hawaiian Population | 5 |
| Indian Population | 7 |
| Other Population | 39 |
| Male Population | 814 |
| Female Population | 873 |
| Population Estimate | 1865 |
Household Data for 97366
The average number of homes in 97366 is around 788, there are an average of 2.11 per household. The average house value according to local real estate values is around $359,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 788 |
| Persons Per Household | 2.11 |
| Average House Value | $359,500 |
| Income Per Household | $73740 |
| Median Age | 58.3 |
| Median Age Male | 56.8 |
| Median Age Female | 59.7 |
| 97366 Details | Values |
|---|---|
| State | OR |
| State Full Name | Oregon |
| City Type | C |
| City Alias Abbreviation | |
| Area Code | 541/458 |
| City | South Beach |
| City Alias Name | SOUTH BEACH |
| County | Lincoln |
| County FIPS | 041 |
| State FIPS | 41 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 35440 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Newport, OR |
| MSA_Name | |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 47 |
| Number Of Employees | 241 |
| Business First Quarter Payroll | 2030 |
| Business Annual Payroll | 9387 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 17274.04 |
| Delivery Residential | 884 |
| Delivery Business | 59 |
| Delivery Total | 1795 |
| Preferred Last Line Key | Z15521 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z15521 |
| Land Area | 10.674000 |
| Water Area | 1.102000 |
| City Alias Code | |
| City Mixed Case | South Beach |
| City Alias Mixed Case | South Beach |
| Box Count | 0 |
| SFDU | 615 |
| MFDU | 19 |
| State ANSI | 41 |
| County ANSI | 041 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | C |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 406096 |
| Unique ZIP Name | |
| SSA State County Code | 38200 |
| Medicare CBSA Code | 99938 |
| Medicare CBSA Name | Rural Areas in OR |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Lincoln |
Oregon Homeowners Insurance News & Information
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Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025
According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]
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Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
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Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]