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Find the Best Home Insurance Rates in 97430
Shopping for homeowners insurance in 97430 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Deadwood, OR and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Oregon licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 97430 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 97430
Find Deadwood, OR Homeowners Insurance Quotes to review the best coverage options in your area.
97430 Home Insurance Rating is: very low!
In 97430 the average premium is $526. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 97430, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 97430!
97430 Home Insurance Average Premiums
For the 97430, 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) | $276 /yr. |
Average Coverage: | $526 /yr. |
2600 sq. ft. or higher (all discounts applied) | $826 /yr. |
What is the average home insurance cost for a home in 97430?
- • The average homeowners insurance premium paid annually for a home in 97430 is around $526 per year.
What does it cost on average per month for home insurance in 97430?
- • Homeowners in 97430 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 97430?
- • Autoowners in 97430 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 Deadwood area, check out other zip codes nearby 97430.
Review average rates in another zip code:
97430 homeowners insurance rates
Home Replacement Cost Coverage in 97430
Average Building Cost Per Square Foot in 97430: $221
Location: Deadwood, Oregon (Lane County)Average Square Footage in 97430: 1,403 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 97430 before you start any project. Deadwood 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 97430 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 97430 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,403 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 Deadwood 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 | 1,403 | $310,000 |
Additional Upgrades & Added Features | $276 | 1,403 | $387,500 |
Major Home Updates or Advancements | $332 | 1,403 | $465,000 |
It's important to understand that when you estimate your replacement cost of your home in the 97430 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 97430
Best Home & Auto Insurance Agencies in 97430
Housing Demographics for 97430
Population Review for 97430 Zip Code
For the city of Deadwood, the population within 97430 has increased to over 271 residents in population size. The current population total is 397. We have broken down the population based on race below. In 97430, there are over 229 in male population and 168 females.
Population | Values |
---|---|
Total Population | 397 |
White Population | 324 |
Black Population | 1 |
Hispanic Population | 23 |
Asian Population | 6 |
Hawaiian Population | 0 |
Indian Population | 10 |
Other Population | 9 |
Male Population | 229 |
Female Population | 168 |
Population Estimate | 271 |
Household Data for 97430
The average number of homes in 97430 is around 193, there are an average of 2.06 per household. The average house value according to local real estate values is around $310,000. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 193 |
Persons Per Household | 2.06 |
Average House Value | $310,000 |
Income Per Household | $49250 |
Median Age | 49.6 |
Median Age Male | 49.1 |
Median Age Female | 51.0 |
97430 Details | Values |
---|---|
State | OR |
State Full Name | Oregon |
City Type | P |
City Alias Abbreviation | |
Area Code | 541 |
City | Deadwood |
City Alias Name | DEADWOOD |
County | Lane |
County FIPS | 039 |
State FIPS | 41 |
Time Zone | 8 |
Day Light Saving | Y |
MSA | 2400 |
PMSA | |
CSA | |
CBSA | 21660 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Eugene-Springfield, OR |
MSA_Name | Eugene-Springfield, OR MSA |
PMSA_Name | |
Region | West |
Division | Pacific |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 8 |
Number Of Employees | 10 |
Business First Quarter Payroll | 47 |
Business Annual Payroll | 279 |
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 | 351715 |
CBSA Division Population | 0 |
Congressional District | 04 |
Congressional LandArea | 17274.04 |
Delivery Residential | 132 |
Delivery Business | 1 |
Delivery Total | 189 |
Preferred Last Line Key | Z14923 |
Classification Code | |
Multi-County | |
CSA Name | |
CBSA_DIV_Name | |
City State Key | Z14923 |
Land Area | 82.043000 |
Water Area | 0.000000 |
City Alias Code | |
City Mixed Case | Deadwood |
City Alias Mixed Case | Deadwood |
Box Count | 49 |
SFDU | 132 |
MFDU | 0 |
State ANSI | 41 |
County ANSI | 039 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | N |
Carrier Route Rate Sortation | C |
Finance Number | 402256 |
Unique ZIP Name | |
SSA State County Code | 38190 |
Medicare CBSA Code | 21660 |
Medicare CBSA Name | Eugene-Springfield, OR |
Medicare CBSA Type | Metro |
Market Rating Area ID | 2 |
County Mixed Case | Lane |
Oregon Homeowners Insurance News & Information
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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, […]
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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 […]
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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 […]