Compare 98581 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 98581 area? The average homeowners premium in Washington for a standard homeowners policy is around $716/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 98581 zip code, the population size is around 421 with 255 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 98581.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Ryderwood, WA Homeowners Insurance. Compare companies, quotes, coverages and more.

Average Building Cost Per Square Foot in 98581: $242

Average Square Footage in 98581: 597 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 98581 before you start any project. Ryderwood 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 98581 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 98581 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 597 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 Ryderwood 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.

It's important to understand that when you estimate your replacement cost of your home in the 98581 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.

Household Data for 98581

The average number of homes in 98581 is around 255, there are an average of 1.65 per household. The average house value according to local real estate values is around $144,400. Please review the following demographics below for average income and media age.

• 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 […]

• 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 […]

• Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

  As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]