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Compare 98109 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Seattle just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 20,489 neighbors looking to save on their home insurance policy in the local 98109 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 98109. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Washington rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Seattle, WA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Seattle, WA

98109 Home Insurance Average Premiums

Local 98109 homeowners insurance quotes comparison

$511 /yr.

Shows Zip Code: 98109 lowest rates with discounts applied on average.

For the 98109, 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)
$511 /yr.
Average Coverage:$761 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1061 /yr.

What is the average home insurance cost for a home in 98109?

  • • The average homeowners insurance premium paid annually for a home in 98109 is around $761 per year.

What does it cost on average per month for home insurance in 98109?

  • • Homeowners in 98109 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 98109?

  • • Autoowners in 98109 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 Seattle area, check out other zip codes nearby 98109.
Review average rates in another zip code:
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98188 homeowners insurance rates
98134 homeowners insurance rates
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98133 homeowners insurance rates

Home Replacement Cost Coverage in 98109

Average Building Cost Per Square Foot in 98109: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98109: 3,381 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98109 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 98109 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 98109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,381 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$2423,381$818,200
Additional Upgrades & Added Features$3033,381$1,022,750
Major Home Updates or Advancements$3633,381$1,227,300

It's important to understand that when you estimate your replacement cost of your home in the 98109 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 98109

Best Home & Auto Insurance Agencies in 98109

Nunn, Greg - State Farm Insurance Agent

Address: 200 Roy St Seattle, WA 98109
Phone:
Website: http://www.seattle.citysearch.com/profile/external/46274420/seattle_wa/nunn_greg_state_farm_insurance_agent.html
Info:

Waldin, Mark - Dma Auto Insurance

Address: 24 Roy St, #247 Seattle, WA 98109
Phone:
Website: http://www.autoinsuranceseattlewa.com/
Info:

Allstate

Address: 222 Westlake Ave N, #N Seattle, WA 98109
Phone:
Website: http://www.allstateagencies.com/TonyMai/Welcome/
Info:

Dubose, Karrie - State Farm Insurance Agent

Address: 1530 Westlake Ave N Seattle, WA 98109
Phone:
Website: http://www.citysearch.com/profile/external/605138342/seattle_wa/dubose_karrie_state_farm_insurance_agent.html
Info:

Chris Gibbens, Agent - Chris Gibbens, Agent - Chris Gibbens, Agent - Queen Anne State Farm Insurance, Gibbens Agency

Address: 20 Boston St Seattle, WA 98109
Phone:
Website: http://www.chrisgibbens.com/
Info:

Housing Demographics for 98109

Population Review for 98109 Zip Code

For the city of Seattle, the population within 98109 has increased to over 38,531 residents in population size. The current population total is 34,551. We have broken down the population based on race below. In 98109, there are over 18532 in male population and 16019 females.

PopulationValues
Total Population34,551
White Population19598
Black Population1421
Hispanic Population2502
Asian Population9420
Hawaiian Population53
Indian Population193
Other Population792
Male Population18532
Female Population16019
Population Estimate38531

Household Data for 98109

The average number of homes in 98109 is around 20,489, there are an average of 1.62 per household. The average house value according to local real estate values is around $818,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode20,489
Persons Per Household1.62
Average House Value$818,200
Income Per Household$111059
Median Age31.5
Median Age Male31.5
Median Age Female31.5
98109 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code206/425
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 Businesses1750
Number Of Employees62958
Business First Quarter Payroll2169481
Business Annual Payroll9113071
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 Residential23785
Delivery Business1541
Delivery Total27250
Preferred Last Line KeyZ17429
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameSeattle-Bellevue-Kent, WA
City State KeyZ17429
Land Area1.935000
Water Area0.303000
City Alias Code
City Mixed CaseSeattle
City Alias Mixed CaseSeattle
Box Count393
SFDU2988
MFDU20249
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

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]