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98339 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 98339? There are over 1,668 occupied homes in the 98339 area. With a population size of 3,805, it's not uncommon for residence of Port Hadlock, WA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Washington is around $714 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 98339 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Port Hadlock, WA Home Insurance Rate Quotes

98339 Home Insurance Average Premiums

Local 98339 homeowners insurance quotes comparison

$464 /yr.

Shows Zip Code: 98339 lowest rates with discounts applied on average.

For the 98339, 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)		$464 /yr.
Average Coverage:$714 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1014 /yr.

What is the average home insurance cost for a home in 98339?

  • • The average homeowners insurance premium paid annually for a home in 98339 is around $714 per year.

What does it cost on average per month for home insurance in 98339?

  • • Homeowners in 98339 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 98339?

  • • Autoowners in 98339 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 Port Hadlock, check out other zip codes nearby 98339.
To review average rates in another zip code, click on a zip code below:
98339  | 

Home Replacement Cost Coverage in 98339

Average Building Cost Per Square Foot in 98339: $242

Location: Port Hadlock, Washington (Jefferson County)

Average Square Footage in 98339: 1,360 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98339 before you start any project. Port Hadlock 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 98339 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 98339 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,360 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 Port Hadlock 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$2421,360$329,100
Additional Upgrades & Added Features$3031,360$411,375
Major Home Updates or Advancements$3631,360$493,650

It's important to understand that when you estimate your replacement cost of your home in the 98339 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 98339

Best Home & Auto Insurance Agencies in 98339

Housing Demographics for 98339

Population Review for 98339 Zip Code

For the city of Port Hadlock, the population within 98339 has increased to over 3,237 residents in population size. The current population total is 3,805. We have broken down the population based on race below. In 98339, there are over 1893 in male population and 1912 females.

PopulationValues
Total Population3,805
White Population3254
Black Population26
Hispanic Population196
Asian Population45
Hawaiian Population15
Indian Population67
Other Population69
Male Population1893
Female Population1912
Population Estimate3237

Household Data for 98339

The average number of homes in 98339 is around 1,668, there are an average of 2.27 per household. The average house value according to local real estate values is around $329,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,668
Persons Per Household2.27
Average House Value$329,100
Income Per Household$57375
Median Age48.6
Median Age Male48.1
Median Age Female49.2
98339 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code360/564
CityPort Hadlock
City Alias NamePORT HADLOCK
CountyJefferson
County FIPS031
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA39040
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePort Townsend, WA
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses118
Number Of Employees712
Business First Quarter Payroll6653
Business Annual Payroll29025
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District06
Congressional LandArea6902.73
Delivery Residential1426
Delivery Business82
Delivery Total5787
Preferred Last Line KeyZ17301
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ17301
Land Area12.126000
Water Area0.835000
City Alias Code
City Mixed CasePort Hadlock
City Alias Mixed CasePort Hadlock
Box Count788
SFDU1275
MFDU0
State ANSI53
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number546744
Unique ZIP Name
SSA State County Code50150
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseJefferson

Washington Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]