Get Deadwood, OR Home Insurance Rates!

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Getting multile quote comparisons from us at GetHomeInsuranceQuotes.com for your home in Deadwood, OR is super easy. Our free quoting process allows you to compare up to 12 competitive rates all in one place. Easily save up to 40% or more, get quotes online now or Call 855-976-2656.

Questions about your home in Deadwood:

How many people live in Deadwood?
The total city area population for Deadwood, OR is around 770.

How many total housing units?
The total homes in the city of Deadwood is 176 housing units.

What is the average Deadwood household income?
The average income in the Deadwood area is around $44,135.

How much do the homes in Deadwood cost on average?
The average cost of a home in Deadwood is estimated to be around $257,500.

What do Deadwood homeowners pay on average for home insurance coverage?
Home insurance cost around $735 per year on average in the Deadwood area, this average is based on a $200K real estate value with a standard HO-3 policy. We help you compare rates and coverage options so you can review the best rate and policy for your home.

What is a basic home insurance policy in Deadwood cover?
A standard homeowners insurance polciy in Deadwood, OR is commonly known as an HO-3 policy that covers damage from all perils except those that are not covered or excluded from your coverage, exclusions are clearly documented and writting within your policy. For example, flood or earthquake coverage is not part of a standard HO-3 policy.

I live in the old part or historical district of Deadwood, can I get insurance for my home?
Older homes in Deadwood can be covered, your agent will shop policies under the HO-8 policy guidelines which will allow you to review multiple quotes from carriers that specialize in insuring older houses.

From the questions above, you can understand that a Deadwood homeowners insurance policy can be complicated. We are here to help you shop the best home insurance prices and answer any questions you have about which homeowners policy is best for you. Get Deadwood home insurance rate quotes today!

Compare Homeowners Insurance Rates in Deadwood, OR!

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Get up to 12 competitive Deadwood, OR homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Deadwood, OR rates all in one place!

Average Rates Nearby Deadwood

Are you looking for homeowners insurance in a city near Deadwood? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Deadwood, OR

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Deadwood.

97430,     

Deadwood, OR Home Insurance Average Premiums

Local Deadwood, OR home insurance quotes comparison

$274 /yr.

Shows Deadwood's lowest average rates with discounts applied.

For the city of Deadwood, 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)		$274 /yr.
Average Coverage:$524 /yr.
2600 sq. ft. or higher
(all discounts applied)		$824 /yr.

What is the average home insurance cost for a home in Deadwood, OR?

  • • The average homeowners insurance premium paid annually for a home in Deadwood is around $524 per year.

What does it cost on average per month for home insurance in Deadwood, OR?

  • • Homeowners in Deadwood pay an average cost per month around $44.00 for insurance coverage.

Deadwood, OR Coastal Wind, Hail & Flood Information

Deadwood is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Deadwood is know for it's beautiful beaches and waterways. Because Lane County (FIPS: 41039) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Deadwood, OR.

Deadwood, OR - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $0 $0
February $0 $0
March $0 $0
April $0 $0

Homeowners insurance will help cover the cost to repair or replace your Deadwood home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Deadwood
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Deadwood, OR homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Deadwood, OR rates all in one place!

Saving Money Tips on Deadwood Home Insurance

A great way to save money on Deadwood homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Deadwood area? Check out what homeowners are paying on average for Oregon homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
403 ft. This is the average home elevation in Deadwood, OR

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Deadwood, Oregon.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Deadwood, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Lane County.

Oregon Homeowners Insurance News & Information

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

Deadwood, OR Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Deadwood so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Deadwood, OR?

- The average square footage in Deadwood is around 1,165 Sq. Ft. which would cost you around $257,500 to replace the home if you base the home on the price to build per square foot of $221.

Minimum Replacement Cost Total: $257,500

Location: Deadwood, Oregon (Lane County)

Average Building Cost Per Square Foot in Deadwood: $221 (low end)

Average Square Footage in Deadwood: 1,165 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$221$257,500
Some Additional Upgrades$276$321,875
Major Home Updates or Advancements$332$386,250

The dwelling coverage is calculated by the average cost per square foot ($221) in Deadwood, Oregon times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $690,625 (Media price to build of $276 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.