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Home Insurance Rates in 99156

For homeowners shopping online in 99156, our insurance rates are very competitive for homeowners living in Newport, WA. Many homeowners based out of the great city of Newport have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Washington licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 99156, simply click the "Get Multiple Quotes Now" button. Your 99156 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Newport, WA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

99156 Home Insurance Rating is: Very Low!

If you live in 99156, you can easily save up to 40% off the average home insurance premium of $677 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Newport can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 99156 today!

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99156 Home Insurance Average Premiums

Local 99156 homeowners insurance quotes comparison

$427 /yr.

Shows Zip Code: 99156 lowest rates with discounts applied on average.

For the 99156, 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)
$427 /yr.
Average Coverage:$677 /yr.
2600 sq. ft. or higher
(all discounts applied)
$977 /yr.

What is the average home insurance cost for a home in 99156?

  • • The average homeowners insurance premium paid annually for a home in 99156 is around $677 per year.

What does it cost on average per month for home insurance in 99156?

  • • Homeowners in 99156 pay a monthly average cost per month around $56.00.

What kind of discount could I get if I combine my home and auto insurance together in 99156?

  • • Autoowners in 99156 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 Newport, check out other zip codes nearby 99156.
To review average rates in another zip code, click on a zip code below:
99156  | 

Home Replacement Cost Coverage in 99156

Average Building Cost Per Square Foot in 99156: $242

Location: Newport, Washington (Pend Oreille County)

Average Square Footage in 99156: 1,128 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 99156 before you start any project. Newport 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 99156 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 99156 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,128 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 Newport 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$2421,128$273,000
Additional Upgrades & Added Features$3031,128$341,250
Major Home Updates or Advancements$3631,128$409,500

It's important to understand that when you estimate your replacement cost of your home in the 99156 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 99156

Best Home & Auto Insurance Agencies in 99156

Housing Demographics for 99156

Population Review for 99156 Zip Code

For the city of Newport, the population within 99156 has increased to over 7,793 residents in population size. The current population total is 8,478. We have broken down the population based on race below. In 99156, there are over 4291 in male population and 4187 females.

PopulationValues
Total Population8,478
White Population7601
Black Population42
Hispanic Population266
Asian Population67
Hawaiian Population9
Indian Population94
Other Population105
Male Population4291
Female Population4187
Population Estimate7793

Household Data for 99156

The average number of homes in 99156 is around 3,490, there are an average of 2.39 per household. The average house value according to local real estate values is around $273,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,490
Persons Per Household2.39
Average House Value$273,000
Income Per Household$65528
Median Age51.1
Median Age Male50.3
Median Age Female52.2
99156 DetailsValues
StateWA
State Full NameWashington
City TypeP
City Alias Abbreviation
Area Code509
CityNewport
City Alias NameNEWPORT
CountyPend Oreille
County FIPS051
State FIPS53
Time Zone8
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses165
Number Of Employees1233
Business First Quarter Payroll10968
Business Annual Payroll52118
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 District05
Congressional LandArea15473.13
Delivery Residential3261
Delivery Business141
Delivery Total4824
Preferred Last Line KeyZ17187
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ17187
Land Area273.181000
Water Area6.637000
City Alias Code
City Mixed CaseNewport
City Alias Mixed CaseNewport
Box Count1290
SFDU2600
MFDU160
State ANSI53
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number545866
Unique ZIP Name
SSA State County Code50250
Medicare CBSA Code99950
Medicare CBSA NameRural Areas in WA
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CasePend Oreille

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 […]