Get multiple home insurance quotes in 97412. Our licensed 97412, OR agents are ready to serve you.

Compare 97412 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 97412 area? The average homeowners premium in Oregon for a standard homeowners policy is around $525/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 97412 zip code, the population size is around 536 with 208 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 97412.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Blachly, OR Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. OR RateDiscountsSavingsShop Rates
$735up to 40% off$294

97412 Home Insurance Average Premiums

Local 97412 homeowners insurance quotes comparison

$275 /yr.

Shows Zip Code: 97412 lowest rates with discounts applied on average.

For the 97412, 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)		$275 /yr.
Average Coverage:$525 /yr.
2600 sq. ft. or higher
(all discounts applied)		$825 /yr.

What is the average home insurance cost for a home in 97412?

  • • The average homeowners insurance premium paid annually for a home in 97412 is around $525 per year.

What does it cost on average per month for home insurance in 97412?

  • • Homeowners in 97412 pay a monthly average cost per month around $44.00.

What kind of discount could I get if I combine my home and auto insurance together in 97412?

  • • Autoowners in 97412 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 Blachly area, check out other zip codes nearby 97412.
Review average rates in another zip code:
97412 homeowners insurance rates

Home Replacement Cost Coverage in 97412

Average Building Cost Per Square Foot in 97412: $221

Location: Blachly, Oregon (Lane County)

Average Square Footage in 97412: 1,166 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 97412 before you start any project. Blachly 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 97412 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 97412 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,166 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 Blachly 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$2211,166$257,600
Additional Upgrades & Added Features$2761,166$322,000
Major Home Updates or Advancements$3321,166$386,400

It's important to understand that when you estimate your replacement cost of your home in the 97412 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 97412

Best Home & Auto Insurance Agencies in 97412

Housing Demographics for 97412

Population Review for 97412 Zip Code

For the city of Blachly, the population within 97412 has increased to over 500 residents in population size. The current population total is 536. We have broken down the population based on race below. In 97412, there are over 260 in male population and 276 females.

PopulationValues
Total Population536
White Population485
Black Population1
Hispanic Population21
Asian Population2
Hawaiian Population0
Indian Population5
Other Population11
Male Population260
Female Population276
Population Estimate500

Household Data for 97412

The average number of homes in 97412 is around 208, there are an average of 2.58 per household. The average house value according to local real estate values is around $257,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode208
Persons Per Household2.58
Average House Value$257,600
Income Per Household$71250
Median Age50.0
Median Age Male49.0
Median Age Female50.6
97412 DetailsValues
StateOR
State Full NameOregon
City TypeC
City Alias Abbreviation
Area Code541
CityBlachly
City Alias NameBLACHLY
CountyLane
County FIPS039
State FIPS41
Time Zone8
Day Light SavingY
MSA2400
PMSA
CSA
CBSA21660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameEugene-Springfield, OR
MSA_NameEugene-Springfield, OR MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees46
Business First Quarter Payroll470
Business Annual Payroll2003
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population351715
CBSA Division Population0
Congressional District04
Congressional LandArea17274.04
Delivery Residential194
Delivery Business1
Delivery Total701
Preferred Last Line KeyZ14774
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14774
Land Area84.496000
Water Area0.502000
City Alias Code
City Mixed CaseBlachly
City Alias Mixed CaseBlachly
Box Count0
SFDU194
MFDU0
State ANSI41
County ANSI039
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number402848
Unique ZIP Name
SSA State County Code38190
Medicare CBSA Code21660
Medicare CBSA NameEugene-Springfield, OR
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseLane

Oregon Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]