Compare quotes for your home in 98239! Compare the best 12 carriers in minutes.
98239 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 98239? Our rates are very competitive for homeowners living in Coupeville, WA. Many homeowners based out of your 98239 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 homeowners 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 98239 should appear in the zip code field ready to go. For Coupeville, WA Home Insurance Rate Quotes click to review the best rates and service online!
98239 Average Premium is Rated: Very Low!
Homeowners living in 98239 can easily save up to 40% off the average home insurance premium of $684 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Coupeville that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 98239 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
98239 Home Insurance Average Premiums
$434 /yr.
Shows Zip Code: 98239 lowest rates with discounts applied on average.
For the 98239, 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) | $434 /yr. |
| Average Coverage: | $684 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $984 /yr. |
What is the average home insurance cost for a home in 98239?
- • The average homeowners insurance premium paid annually for a home in 98239 is around $684 per year.
What does it cost on average per month for home insurance in 98239?
- • Homeowners in 98239 pay a monthly average cost per month around $57.00.
What kind of discount could I get if I combine my home and auto insurance together in 98239?
- • Autoowners in 98239 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 Coupeville, check out other zip codes nearby 98239.
To review average rates in another zip code, click on a zip code below:
98239 |
Home Replacement Cost Coverage in 98239
Average Building Cost Per Square Foot in 98239: $242
Location: Coupeville, Washington (Island County)Average Square Footage in 98239: 1,824 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98239 before you start any project. Coupeville 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 98239 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 98239 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,824 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 Coupeville 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 | 1,824 | $441,500 |
| Additional Upgrades & Added Features | $303 | 1,824 | $551,875 |
| Major Home Updates or Advancements | $363 | 1,824 | $662,250 |
It's important to understand that when you estimate your replacement cost of your home in the 98239 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 98239
Best Home & Auto Insurance Agencies in 98239
Housing Demographics for 98239
Population Review for 98239 Zip Code
For the city of Coupeville, the population within 98239 has increased to over 7,301 residents in population size. The current population total is 7,394. We have broken down the population based on race below. In 98239, there are over 3561 in male population and 3833 females.
| Population | Values |
|---|---|
| Total Population | 7,394 |
| White Population | 6135 |
| Black Population | 90 |
| Hispanic Population | 475 |
| Asian Population | 163 |
| Hawaiian Population | 37 |
| Indian Population | 57 |
| Other Population | 196 |
| Male Population | 3561 |
| Female Population | 3833 |
| Population Estimate | 7301 |
Household Data for 98239
The average number of homes in 98239 is around 3,329, there are an average of 2.19 per household. The average house value according to local real estate values is around $441,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,329 |
| Persons Per Household | 2.19 |
| Average House Value | $441,500 |
| Income Per Household | $74746 |
| Median Age | 57.5 |
| Median Age Male | 55.9 |
| Median Age Female | 59.0 |
| 98239 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Coupeville |
| City Alias Name | COUPEVILLE |
| County | Island |
| County FIPS | 029 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 7602 |
| PMSA | 7600 |
| CSA | 500 |
| CBSA | 36020 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Oak Harbor, 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 | 205 |
| Number Of Employees | 1669 |
| Business First Quarter Payroll | 21401 |
| Business Annual Payroll | 90315 |
| 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 | 78506 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 1015.02 |
| Delivery Residential | 3334 |
| Delivery Business | 103 |
| Delivery Total | 4323 |
| Preferred Last Line Key | Z16649 |
| Classification Code | |
| Multi-County | |
| CSA Name | Seattle-Tacoma, WA |
| CBSA_DIV_Name | |
| City State Key | Z16649 |
| Land Area | 31.026000 |
| Water Area | 13.892000 |
| City Alias Code | |
| City Mixed Case | Coupeville |
| City Alias Mixed Case | Coupeville |
| Box Count | 689 |
| SFDU | 2969 |
| MFDU | 183 |
| State ANSI | 53 |
| County ANSI | 029 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 541806 |
| Unique ZIP Name | |
| SSA State County Code | 50140 |
| Medicare CBSA Code | 99950 |
| Medicare CBSA Name | Rural Areas in WA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Island |
Washington Homeowners Insurance News & Information
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Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025
According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]
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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 […]
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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 […]