Compare quotes for your home in 98364! Compare the best 12 carriers in minutes.
98364 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 98364? Our rates are very competitive for homeowners living in Port Gamble, WA. Many homeowners based out of your 98364 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 98364 should appear in the zip code field ready to go. For Port Gamble, WA Home Insurance Rate Quotes click to review the best rates and service online!
98364 Average Premium is Rated: Medium!
Homeowners living in 98364 can easily save up to 40% off the average home insurance premium of $869 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 Port Gamble 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 98364 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!
98364 Home Insurance Average Premiums
$619 /yr.
Shows Zip Code: 98364 lowest rates with discounts applied on average.
For the 98364, 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) | $619 /yr. |
| Average Coverage: | $869 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1169 /yr. |
What is the average home insurance cost for a home in 98364?
- • The average homeowners insurance premium paid annually for a home in 98364 is around $869 per year.
What does it cost on average per month for home insurance in 98364?
- • Homeowners in 98364 pay a monthly average cost per month around $72.00.
What kind of discount could I get if I combine my home and auto insurance together in 98364?
- • Autoowners in 98364 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 Gamble, check out other zip codes nearby 98364.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 98364
Average Building Cost Per Square Foot in 98364: $242
Location: Port Gamble, Washington (Kitsap County)Average Square Footage in 98364: 682 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 98364 before you start any project. Port Gamble 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 98364 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 98364 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 682 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 Gamble 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 | 682 | $165,000 |
| Additional Upgrades & Added Features | $303 | 682 | $206,250 |
| Major Home Updates or Advancements | $363 | 682 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 98364 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 98364
Best Home & Auto Insurance Agencies in 98364
Housing Demographics for 98364
Population Review for 98364 Zip Code
For the city of Port Gamble, the population within 98364 has increased to over 0 residents in population size. The current population total is 72. We have broken down the population based on race below. In 98364, there are over 32 in male population and 40 females.
| Population | Values |
|---|---|
| Total Population | 72 |
| White Population | 48 |
| Black Population | 0 |
| Hispanic Population | 15 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 2 |
| Other Population | 4 |
| Male Population | 32 |
| Female Population | 40 |
| Population Estimate | 0 |
Household Data for 98364
The average number of homes in 98364 is around 12, there are an average of 6.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 12 |
| Persons Per Household | 6.00 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 20.3 |
| Median Age Male | 18.3 |
| Median Age Female | 22.5 |
| 98364 Details | Values |
|---|---|
| State | WA |
| State Full Name | Washington |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 360/564 |
| City | Port Gamble |
| City Alias Name | PORT GAMBLE |
| County | Kitsap |
| County FIPS | 035 |
| State FIPS | 53 |
| Time Zone | 8 |
| Day Light Saving | Y |
| MSA | 7602 |
| PMSA | 1150 |
| CSA | 500 |
| CBSA | 14740 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Bremerton-Silverdale-Port Orchard, WA |
| MSA_Name | Seattle-Tacoma-Bremerton, WA CMSA |
| PMSA_Name | Bremerton, WA PMSA |
| Region | West |
| Division | Pacific |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 12 |
| Number Of Employees | 75 |
| Business First Quarter Payroll | 835 |
| Business Annual Payroll | 3880 |
| 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 | 251133 |
| CBSA Division Population | 0 |
| Congressional District | 06 |
| Congressional LandArea | 6902.73 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 562 |
| Preferred Last Line Key | Z17300 |
| Classification Code | P |
| Multi-County | |
| CSA Name | Seattle-Tacoma, WA |
| CBSA_DIV_Name | |
| City State Key | Z17300 |
| Land Area | 0.035000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Port Gamble |
| City Alias Mixed Case | Port Gamble |
| Box Count | 129 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 53 |
| County ANSI | 035 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 546734 |
| Unique ZIP Name | |
| SSA State County Code | 50170 |
| Medicare CBSA Code | 14740 |
| Medicare CBSA Name | Bremerton-Silverdale-Port Orchard, WA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Kitsap |
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 […]