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Compare 98106 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 98106 area? The average homeowners premium in Washington for a standard homeowners policy is around $665/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 98106 zip code, the population size is around 26,295 with 10,714 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 98106.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Seattle, WA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. WA RateDiscountsSavingsShop Rates
$937up to 40% off$375

98106 Home Insurance Average Premiums

Local 98106 homeowners insurance quotes comparison

$415 /yr.

Shows Zip Code: 98106 lowest rates with discounts applied on average.

For the 98106, 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)		$415 /yr.
Average Coverage:$665 /yr.
2600 sq. ft. or higher
(all discounts applied)		$965 /yr.

What is the average home insurance cost for a home in 98106?

  • • The average homeowners insurance premium paid annually for a home in 98106 is around $665 per year.

What does it cost on average per month for home insurance in 98106?

  • • Homeowners in 98106 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 98106?

  • • Autoowners in 98106 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 Seattle, check out other zip codes nearby 98106.
To review average rates in another zip code, click on a zip code below:
98106  |  98112  |  98122  |  98102  |  98198  |  98168  |  98134  |  98116  |  98105  |  98166  | 

Home Replacement Cost Coverage in 98106

Average Building Cost Per Square Foot in 98106: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98106: 2,218 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98106 before you start any project. Seattle 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 98106 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 98106 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,218 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 Seattle 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$2422,218$536,800
Additional Upgrades & Added Features$3032,218$671,000
Major Home Updates or Advancements$3632,218$805,200

It's important to understand that when you estimate your replacement cost of your home in the 98106 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 98106

Best Home & Auto Insurance Agencies in 98106

Allstate Insurance Company - Christopher Price

Address: 3862 Delridge Way SW Seattle, WA 98106
Phone:
Website: http://www.seattle.citysearch.com/profile/656185350/seattle_wa/allstate_insurance_company_christopher_price.html
Info:

SAV-ON Insurance

Address: 9614 17th Ave SW Seattle, WA 98106
Phone:
Website: http://www.sav-on.com/
Info:

Housing Demographics for 98106

Population Review for 98106 Zip Code

For the city of Seattle, the population within 98106 has increased to over 27,058 residents in population size. The current population total is 26,295. We have broken down the population based on race below. In 98106, there are over 13036 in male population and 13259 females.

PopulationValues
Total Population26,295
White Population12947
Black Population3125
Hispanic Population3832
Asian Population4464
Hawaiian Population207
Indian Population381
Other Population1573
Male Population13036
Female Population13259
Population Estimate27058

Household Data for 98106

The average number of homes in 98106 is around 10,714, there are an average of 2.43 per household. The average house value according to local real estate values is around $536,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,714
Persons Per Household2.43
Average House Value$536,800
Income Per Household$84506
Median Age36.5
Median Age Male35.8
Median Age Female37.2
98106 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code206
CitySeattle
City Alias NameSEATTLE
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 Businesses493
Number Of Employees6378
Business First Quarter Payroll96297
Business Annual Payroll426756
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 District07
Congressional LandArea144.13
Delivery Residential11135
Delivery Business475
Delivery Total12413
Preferred Last Line KeyZ17429
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameSeattle-Bellevue-Kent, WA
City State KeyZ17429
Land Area5.493000
Water Area0.355000
City Alias Code
City Mixed CaseSeattle
City Alias Mixed CaseSeattle
Box Count0
SFDU6257
MFDU2885
State ANSI53
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number547616
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

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • 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.  […]