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Find the lowest Homeowners Insurance Rates in 98225
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 98225, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Bellingham, WA from a list of top tier nationwide insurers.
Our Washington licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 98225 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 98225
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Bellingham, WA home insurance quotes in your local city and review the most competitive coverages and premiums.
98225 Ratings: medium!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in Bellingham we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 98225, homeowners are seeing rates around 845 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 98225!
98225 Home Insurance Average Premiums
$595 /yr.
Shows Zip Code: 98225 lowest rates with discounts applied on average.
For the 98225, 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) | $595 /yr. |
| Average Coverage: | $845 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1145 /yr. |
What is the average home insurance cost for a home in 98225?
- • The average homeowners insurance premium paid annually for a home in 98225 is around $845 per year.
What does it cost on average per month for home insurance in 98225?
- • Homeowners in 98225 pay a monthly average cost per month around $70.00.
What kind of discount could I get if I combine my home and auto insurance together in 98225?
- • Autoowners in 98225 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 Bellingham, check out other zip codes nearby 98225.
To review average rates in another zip code, click on a zip code below:
98229 | 98226 | 98225 |
Home Replacement Cost Coverage in 98225
Average Building Cost Per Square Foot in 98225: $242
Location: Bellingham, Washington (Whatcom County)Average Square Footage in 98225: 1,877 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98225 before you start any project. Bellingham 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 98225 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 98225 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,877 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 Bellingham 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 | 1,877 | $454,200 |
| Additional Upgrades & Added Features | $303 | 1,877 | $567,750 |
| Major Home Updates or Advancements | $363 | 1,877 | $681,300 |
It's important to understand that when you estimate your replacement cost of your home in the 98225 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 98225
Advantage Group Llc
Address: 1844 Iron St Bellingham, WA 98225Phone: (360)734-5204
Website:
Magas Ins
Address: 2615 Meridian St Bellingham, WA 98225Phone: (360)734-0416
Website: www.magasinsurance.com
Allstate Insurance - Scott Richardson
Address: 1901 North State Street Suite A Bellingham, WA 98225Phone: (360)676-1822
Website:
Best Home & Auto Insurance Agencies in 98225
ACE Cash Express
Address: 1658 Birchwood Ave Bellingham, WA 98225Phone:
Website: http://www.national.citysearch.com/profile/662676660/bellingham_wa/ace_cash_express.html
Info:
Magas Insurance, Incorporated
Address: 2615 Meridian St Bellingham, WA 98225Phone:
Website: http://www.magasinsurance.com/
Info:
Advantage Group Llc
Address: 1844 Iron St Bellingham, WA 98225Phone:
Website:
Info:
Insurance Now
Address: 1414 Broadway, Ste B Bellingham, WA 98225Phone:
Website: http://www.auto-insured-now.com/
Info:
Allstate Insurance Company - Randy Simpson
Address: 204 N Commercial St Bellingham, WA 98225Phone:
Website: http://www.national.citysearch.com/profile/667546220/bellingham_wa/allstate_insurance_company_randy_simpson.html
Info:
Housing Demographics for 98225
Population Review for 98225 Zip Code
For the city of Bellingham, the population within 98225 has increased to over 45,856 residents in population size. The current population total is 49,078. We have broken down the population based on race below. In 98225, there are over 23717 in male population and 25361 females.
| Population | Values |
|---|---|
| Total Population | 49,078 |
| White Population | 39506 |
| Black Population | 666 |
| Hispanic Population | 3968 |
| Asian Population | 1973 |
| Hawaiian Population | 144 |
| Indian Population | 515 |
| Other Population | 1432 |
| Male Population | 23717 |
| Female Population | 25361 |
| Population Estimate | 45856 |
Household Data for 98225
The average number of homes in 98225 is around 20,985, there are an average of 2.11 per household. The average house value according to local real estate values is around $454,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 20,985 |
| Persons Per Household | 2.11 |
| Average House Value | $454,200 |
| Income Per Household | $55672 |
| Median Age | 31.0 |
| Median Age Male | 30.9 |
| Median Age Female | 31.0 |
| 98225 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Bellingham |
| City Alias Name | BELLINGHAM |
| County | Whatcom |
| County FIPS | 073 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 0860 |
| PMSA | |
| CSA | |
| CBSA | 13380 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Bellingham, WA |
| MSA_Name | Bellingham, WA MSA |
| PMSA_Name | |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 2150 |
| Number Of Employees | 23713 |
| Business First Quarter Payroll | 297368 |
| Business Annual Payroll | 1288031 |
| 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 | 201140 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 1015.02 |
| Delivery Residential | 21733 |
| Delivery Business | 2550 |
| Delivery Total | 23887 |
| Preferred Last Line Key | Z16494 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Z16494 |
| Land Area | 12.570000 |
| Water Area | 1.344000 |
| City Alias Code | |
| City Mixed Case | Bellingham |
| City Alias Mixed Case | Bellingham |
| Box Count | 0 |
| SFDU | 12407 |
| MFDU | 5906 |
| State ANSI | 53 |
| County ANSI | 073 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 540616 |
| Unique ZIP Name | |
| SSA State County Code | 50360 |
| Medicare CBSA Code | 13380 |
| Medicare CBSA Name | Bellingham, WA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Whatcom |
Washington Homeowners Insurance News & Information
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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: […]
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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 […]
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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 […]