98198 Home Insurance Quotes & Rates

Currently, the 14,254 homes within the 98198 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 $876 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Seattle, 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 98198.

Washington is now ranking #37 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Seattle 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 98198 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 Seattle, 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 Seattle, WA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

98198 Home Insurance Average Premiums

Local 98198 homeowners insurance quotes comparison

$626 /yr.

Shows Zip Code: 98198 lowest rates with discounts applied on average.

For the 98198, 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)	$626 /yr.
Average Coverage:	$876 /yr.
2600 sq. ft. or higher (all discounts applied)	$1176 /yr.

What is the average home insurance cost for a home in 98198?

• The average homeowners insurance premium paid annually for a home in 98198 is around $876 per year.

What does it cost on average per month for home insurance in 98198?

• Homeowners in 98198 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 98198?

• Autoowners in 98198 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 98198.
To review average rates in another zip code, click on a zip code below:
98144 | 98125 | 98133 | 98112 | 98106 | 98164 | 98122 | 98116 | 98166 | 98118 |

Home Replacement Cost Coverage in 98198

Average Building Cost Per Square Foot in 98198: $242

Location: Seattle, Washington (King County)

Average Square Footage in 98198: 1,669 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98198 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 98198 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 98198 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,669 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$242	1,669	$403,800
Additional Upgrades & Added Features	$303	1,669	$504,750
Major Home Updates or Advancements	$363	1,669	$605,700

Calculate Your Dwelling Coverage in 98198

It's important to understand that when you estimate your replacement cost of your home in the 98198 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 Home & Auto Insurance Agencies in 98198

Bergquist- Vickie L

Address: 22760 Marine View Dr S Des Moines, WA 98198
Phone:
Website:
Info:

SAV-ON Insurance

Address: 22815 Pacific Hwy S Seattle, WA 98198
Phone:
Website: http://www.seattle.citysearch.com/profile/external/608891620/seattle_wa/sav_on_insurance.html
Info:

Kurt Kwon State Farm Home Life Auto Insurance Quot

Address: 27043 Pacific Hwy S Des Moines, WA 98198
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/47/2879
Info:

Patrick Nelson- Farmers Insurance

Address: 21400 International Blvd, Ste 202 Seatac, WA 98198
Phone:
Website: http://www.seattle.citysearch.com/profile/662497350/seatac_wa/patrick_nelson_farmers_insurance.html
Info:

Stephen A Jones - Allstate Agent

Address: 22007 Marine View Dr S, Ste 103 Seattle, WA 98198
Phone:
Website: http://www.allstateagencies.com/SteveAJones/Welcome/
Info:

Housing Demographics for 98198

Population Review for 98198 Zip Code

For the city of Seattle, the population within 98198 has increased to over 38,903 residents in population size. The current population total is 38,727. We have broken down the population based on race below. In 98198, there are over 19530 in male population and 19197 females.

Population	Values
Total Population	38,727
White Population	17847
Black Population	5609
Hispanic Population	7391
Asian Population	4974
Hawaiian Population	1147
Indian Population	534
Other Population	4349
Male Population	19530
Female Population	19197
Population Estimate	38903

Household Data for 98198

The average number of homes in 98198 is around 14,254, there are an average of 2.60 per household. The average house value according to local real estate values is around $403,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	14,254
Persons Per Household	2.60
Average House Value	$403,800
Income Per Household	$69833
Median Age	38.4
Median Age Male	37.3
Median Age Female	39.7

98198 Details	Values
State	WA
State Full Name	Washington
City Type	P
City Alias Abbreviation
Area Code	206/253
City	Seattle
City Alias Name	SEATTLE
County	King
County FIPS	033
State FIPS	53
Time Zone	8
Day Light Saving	Y
MSA	7602
PMSA	7600
CSA	500
CBSA	42660
CBSA_DIV	42644
CBSA_Type	Metro
CBSA_Name	Seattle-Tacoma-Bellevue, WA
MSA_Name	Seattle-Tacoma-Bremerton, WA CMSA
PMSA_Name	Seattle-Bellevue-Everett, WA PMSA
Region	West
Division	Pacific
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	648
Number Of Employees	5671
Business First Quarter Payroll	54039
Business Annual Payroll	244218
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	3439809
CBSA Division Population	1931249
Congressional District	07\|09
Congressional LandArea	144.13\|183.43
Delivery Residential	14963
Delivery Business	505
Delivery Total	16484
Preferred Last Line Key	Z17429
Classification Code
Multi-County
CSA Name	Seattle-Tacoma, WA
CBSA_DIV_Name	Seattle-Bellevue-Kent, WA
City State Key	Z17429
Land Area	7.725000
Water Area	0.927000
City Alias Code
City Mixed Case	Seattle
City Alias Mixed Case	Seattle
Box Count	768
SFDU	7255
MFDU	6035
State ANSI	53
County ANSI	033
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	547616
Unique ZIP Name
SSA State County Code	50160
Medicare CBSA Code	42644
Medicare CBSA Name	Seattle-Bellevue-Kent, WA
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	King

Washington Homeowners Insurance News & Information

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California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026
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Home Insurance Quotes in 98198!