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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

Local 97430 homeowners insurance quotes comparison

$276 /yr.

Shows Zip Code: 97430 lowest rates with discounts applied on average.

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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2211,403$310,000
Additional Upgrades & Added Features$2761,403$387,500
Major Home Updates or Advancements$3321,403$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.

PopulationValues
Total Population397
White Population324
Black Population1
Hispanic Population23
Asian Population6
Hawaiian Population0
Indian Population10
Other Population9
Male Population229
Female Population168
Population Estimate271

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 DataValues
Households Per Zipcode193
Persons Per Household2.06
Average House Value$310,000
Income Per Household$49250
Median Age49.6
Median Age Male49.1
Median Age Female51.0
97430 DetailsValues
StateOR
State Full NameOregon
City TypeP
City Alias Abbreviation
Area Code541
CityDeadwood
City Alias NameDEADWOOD
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 Businesses8
Number Of Employees10
Business First Quarter Payroll47
Business Annual Payroll279
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 Residential132
Delivery Business1
Delivery Total189
Preferred Last Line KeyZ14923
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ14923
Land Area82.043000
Water Area0.000000
City Alias Code
City Mixed CaseDeadwood
City Alias Mixed CaseDeadwood
Box Count49
SFDU132
MFDU0
State ANSI41
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number402256
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 […]