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98072 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 98072 zip code it's important to know that our rates are very competitive for homeowners living in Woodinville, WA. Many homeowners based out of your 98072 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Washington licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 98072 should appear in the zip code field ready to go. For Woodinville, WA Homeowners Insurance Quotes nearby, we offer the best rates and service.

98072: Average Home Insurance Rates

For homeowners living in the great city of Woodinville, the average homeowners policy is considered medium in comparison to other states. Washington premiums are estimated to be around $749 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

Save on 98072 Home Insurance Quotes!

98072 Home Insurance Average Premiums

Local 98072 homeowners insurance quotes comparison

$499 /yr.

Shows Zip Code: 98072 lowest rates with discounts applied on average.

For the 98072, 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)
$499 /yr.
Average Coverage:$749 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1049 /yr.

What is the average home insurance cost for a home in 98072?

  • • The average homeowners insurance premium paid annually for a home in 98072 is around $749 per year.

What does it cost on average per month for home insurance in 98072?

  • • Homeowners in 98072 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 98072?

  • • Autoowners in 98072 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 Woodinville, check out other zip codes nearby 98072.
To review average rates in another zip code, click on a zip code below:
98077  |  98072  | 

Home Replacement Cost Coverage in 98072

Average Building Cost Per Square Foot in 98072: $242

Location: Woodinville, Washington (King County)

Average Square Footage in 98072: 3,331 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98072 before you start any project. Woodinville 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 98072 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 98072 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,331 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 Woodinville 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$2423,331$806,100
Additional Upgrades & Added Features$3033,331$1,007,625
Major Home Updates or Advancements$3633,331$1,209,150

It's important to understand that when you estimate your replacement cost of your home in the 98072 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 98072

Northwest Insurance Center Inc

Address: 17331 135th Ave NE #C Woodinville, WA 98072
Phone: (425)483-5758
Website:

Allstate Insurance

Address: 13110 Northeast 177th Place Suite B201 Woodinville, WA 98072
Phone: (425)485-7477
Website: agent.allstate.com/BobSmith/Welcome/

Best Home & Auto Insurance Agencies in 98072

Parsons, Stuart - Allstate

Address: 18500 156th Ave NE, #101 Woodinville, WA 98072
Phone:
Website: http://www.allstateagencies.com/stallionhill/Welcome/
Info:

Steven E Hawley Insurance

Address: 17630 140th Ave NE, #B Woodinville, WA 98072
Phone:
Website: http://www.seattle.citysearch.com/profile/external/628905840/woodinville_wa/steven_e_hawley_insurance.html
Info:

Allstate Insurance Agency

Address: 18682 142nd Ave NE Woodinville, WA 98072
Phone:
Website: http://www.allstateagencies.com/014922/Welcome/
Info:

Allstate Insurance

Address: 13051 NE 177th Pl Woodinville, WA 98072
Phone:
Website: http://www.agent.allstate.com/BobSmith/Welcome/
Info:

Brent Ward Ins Agency Inc - State Farm Insurance Agent

Address: 14623 NE North Woodinville Way, #203 Woodinville, WA 98072
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 98072

Population Review for 98072 Zip Code

For the city of Woodinville, the population within 98072 has increased to over 26,845 residents in population size. The current population total is 24,939. We have broken down the population based on race below. In 98072, there are over 12223 in male population and 12716 females.

PopulationValues
Total Population24,939
White Population18045
Black Population332
Hispanic Population1893
Asian Population3047
Hawaiian Population31
Indian Population116
Other Population728
Male Population12223
Female Population12716
Population Estimate26845

Household Data for 98072

The average number of homes in 98072 is around 9,559, there are an average of 2.60 per household. The average house value according to local real estate values is around $806,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,559
Persons Per Household2.60
Average House Value$806,100
Income Per Household$140906
Median Age40.5
Median Age Male39.7
Median Age Female41.2
98072 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code425
CityWoodinville
City Alias NameWOODINVILLE
CountyKing
County FIPS033
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA7600
CSA500
CBSA42660
CBSA_DIV42644
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 Businesses1366
Number Of Employees20759
Business First Quarter Payroll310613
Business Annual Payroll1323213
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 Population1931249
Congressional District01|08
Congressional LandArea6186.47|7359.7
Delivery Residential10325
Delivery Business1132
Delivery Total12359
Preferred Last Line KeyZ17754
Classification Code
Multi-CountyY
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameSeattle-Bellevue-Kent, WA
City State KeyZ17754
Land Area17.988000
Water Area0.106000
City Alias Code
City Mixed CaseWoodinville
City Alias Mixed CaseWoodinville
Box Count910
SFDU4784
MFDU2315
State ANSI53
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number549394
Unique ZIP Name
SSA State County Code50160
Medicare CBSA Code42644
Medicare CBSA NameSeattle-Bellevue-Kent, WA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseKing

Washington Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]