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98439 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 98439? There are over 1,830 occupied homes in the 98439 area. With a population size of 5,474, it's not uncommon for residence of Lakewood, 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 $716 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 98439 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: Lakewood, WA Home Insurance Rate Quotes

98439 Home Insurance Average Premiums

Local 98439 homeowners insurance quotes comparison

$466 /yr.

Shows Zip Code: 98439 lowest rates with discounts applied on average.

For the 98439, 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)		$466 /yr.
Average Coverage:$716 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1016 /yr.

What is the average home insurance cost for a home in 98439?

  • • The average homeowners insurance premium paid annually for a home in 98439 is around $716 per year.

What does it cost on average per month for home insurance in 98439?

  • • Homeowners in 98439 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 98439?

  • • Autoowners in 98439 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 Lakewood, check out other zip codes nearby 98439.
To review average rates in another zip code, click on a zip code below:
98439  |  98499  |  98498  | 

Home Replacement Cost Coverage in 98439

Average Building Cost Per Square Foot in 98439: $242

Location: Lakewood, Washington (Pierce County)

Average Square Footage in 98439: 682 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98439 before you start any project. Lakewood 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 98439 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 98439 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 Lakewood 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$242682$165,000
Additional Upgrades & Added Features$303682$206,250
Major Home Updates or Advancements$363682$247,500

It's important to understand that when you estimate your replacement cost of your home in the 98439 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 98439

Best Home & Auto Insurance Agencies in 98439

Housing Demographics for 98439

Population Review for 98439 Zip Code

For the city of Lakewood, the population within 98439 has increased to over 5,713 residents in population size. The current population total is 5,474. We have broken down the population based on race below. In 98439, there are over 2710 in male population and 2764 females.

PopulationValues
Total Population5,474
White Population2990
Black Population658
Hispanic Population1208
Asian Population208
Hawaiian Population172
Indian Population78
Other Population612
Male Population2710
Female Population2764
Population Estimate5713

Household Data for 98439

The average number of homes in 98439 is around 1,830, there are an average of 2.99 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 DataValues
Households Per Zipcode1,830
Persons Per Household2.99
Average House Value$165,000
Income Per Household$42198
Median Age25.8
Median Age Male25.9
Median Age Female25.8
98439 DetailsValues
StateWA
State Full NameWashington
City TypeB
City Alias Abbreviation
Area Code253
CityLakewood
City Alias NameLAKEWOOD
CountyPierce
County FIPS053
State FIPS53
Time Zone8
Day Light SavingY
MSA7602
PMSA8200
CSA500
CBSA42660
CBSA_DIV45104
CBSA_TypeMetro
CBSA_NameSeattle-Tacoma-Bellevue, WA
MSA_NameSeattle-Tacoma-Bremerton, WA CMSA
PMSA_NameTacoma, WA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses18
Number Of Employees280
Business First Quarter Payroll1817
Business Annual Payroll8565
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3439809
CBSA Division Population795225
Congressional District10
Congressional LandArea826.67
Delivery Residential1911
Delivery Business11
Delivery Total1921
Preferred Last Line KeyZ17018
Classification Code
Multi-County
CSA NameSeattle-Tacoma, WA
CBSA_DIV_NameTacoma-Lakewood, WA
City State KeyZ17018
Land Area5.442000
Water Area0.007000
City Alias Code
City Mixed CaseLakewood
City Alias Mixed CaseLakewood
Box Count0
SFDU345
MFDU523
State ANSI53
County ANSI053
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number548330
Unique ZIP Name
SSA State County Code50260
Medicare CBSA Code45104
Medicare CBSA NameTacoma-Lakewood, WA
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CasePierce

Washington Homeowners Insurance News & Information

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

  • Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

    According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]