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98036 Home Insurance Quotes & Rates

Currently, the 16,106 homes within the 98036 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Washington is around $687 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Lynnwood, WA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 98036.

Washington is now ranking #43 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Lynnwood home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Washington has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 98036 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Lynnwood, Washington home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Lynnwood, WA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

98036 Home Insurance Average Premiums

Local 98036 homeowners insurance quotes comparison

$437 /yr.

Shows Zip Code: 98036 lowest rates with discounts applied on average.

For the 98036, 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)
$437 /yr.
Average Coverage:$687 /yr.
2600 sq. ft. or higher
(all discounts applied)
$987 /yr.

What is the average home insurance cost for a home in 98036?

  • • The average homeowners insurance premium paid annually for a home in 98036 is around $687 per year.

What does it cost on average per month for home insurance in 98036?

  • • Homeowners in 98036 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 98036?

  • • Autoowners in 98036 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 Lynnwood, check out other zip codes nearby 98036.
To review average rates in another zip code, click on a zip code below:
98036  |  98037  |  98087  | 

Home Replacement Cost Coverage in 98036

Average Building Cost Per Square Foot in 98036: $242

Location: Lynnwood, Washington (Snohomish County)

Average Square Footage in 98036: 2,288 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98036 before you start any project. Lynnwood homeowners pay on average around $242 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 98036 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 98036 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,288 sq. ft. and the average cost to rebuild the home in this area is around $242 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 Lynnwood 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$2422,288$553,800
Additional Upgrades & Added Features$3032,288$692,250
Major Home Updates or Advancements$3632,288$830,700

It's important to understand that when you estimate your replacement cost of your home in the 98036 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 98036

Allstate Insurance - Bruce E. Pleasant

Address: 19000 33rd Ave W #120 Lynnwood, WA 98036
Phone: (425)775-1920
Website:

Allstate Insurance - Don Taylor

Address: 6226 196th Street Sw # 1-c Lynnwood, WA 98036
Phone: (425)775-2780
Website:

Allstate Insurance - Bill Wilkins

Address: 4208 198th St Sw Suite 112 Lynnwood, WA 98036
Phone: (425)778-0777
Website:

Potter Leonard & Cahan

Address: PO Box 6789 Lynnwood, WA 98036
Phone: (425)712-3664
Website: www.plcins.com

Best Home & Auto Insurance Agencies in 98036

Susie K Smith Insurance

Address: 19019 36th Ave W Lynnwood, WA 98036
Phone:
Website: http://www.seattle.citysearch.com/profile/external/10751400/lynnwood_wa/susie_k_smith_insurance.html
Info:

Allstate Insurance - Bill Wilkins

Address: 4208 198th St SW, #112 Lynnwood, WA 98036
Phone:
Website:
Info:

Olney, Peter G - State Farm Insurance Agent

Address: 18904 Highway 99, Ste H Lynnwood, WA 98036
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=472508
Info:

Allstate Insurance

Address: 4208 198th St SW Lynnwood, WA 98036
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance Company - Yasmin Manji

Address: 5907 196th St SW Lynnwood, WA 98036
Phone:
Website: http://www.allstateagencies.com/061480?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 98036

Population Review for 98036 Zip Code

For the city of Lynnwood, the population within 98036 has increased to over 42,770 residents in population size. The current population total is 42,248. We have broken down the population based on race below. In 98036, there are over 20867 in male population and 21381 females.

PopulationValues
Total Population42,248
White Population24016
Black Population2655
Hispanic Population5464
Asian Population7520
Hawaiian Population225
Indian Population362
Other Population2793
Male Population20867
Female Population21381
Population Estimate42770

Household Data for 98036

The average number of homes in 98036 is around 16,106, there are an average of 2.60 per household. The average house value according to local real estate values is around $553,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,106
Persons Per Household2.60
Average House Value$553,800
Income Per Household$85407
Median Age38.5
Median Age Male37.8
Median Age Female39.2
98036 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code425
CityLynnwood
City Alias NameLYNNWOOD
CountySnohomish
County FIPS061
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA7600
CSA500
CBSA42660
CBSA_DIV21794
CBSA_TypeMetro
CBSA_NameSeattle-Tacoma-Bellevue, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameSeattle-Bellevue-Everett, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1558
Number Of Employees17279
Business First Quarter Payroll245060
Business Annual Payroll1014419
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3439809
CBSA Division Population713335
Congressional District01|02
Congressional LandArea6186.47|1015.02
Delivery Residential16450
Delivery Business1468
Delivery Total17350
Preferred Last Line KeyZ17061
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameEverett, WA
City State KeyZ17061
Land Area9.591000
Water Area0.013000
City Alias Code
City Mixed CaseLynnwood
City Alias Mixed CaseLynnwood
Box Count283
SFDU5268
MFDU2954
State ANSI53
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number544830
Unique ZIP Name
SSA State County Code50300
Medicare CBSA Code42644
Medicare CBSA NameSeattle-Bellevue-Kent, WA
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseSnohomish

Washington Homeowners Insurance News & Information

  • 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 […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]