Bellingham Insurance Rates:

Bellingham, WA home insurance is roughly $517 to $701, about $43-$58/month. Our detailed guide indicates shoppers can save as much as $243 by getting multiple quotes

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Bellingham Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $1270/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Baths 3060 sqft Seasonal Residence Constructed In 2007 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $40/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Baths 1790 sqft Primary Residence Constructed In 1985 with Wood Flooring, Tile Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $910/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

2 Beds, 2 Bath 1800 sqft Primary Residence Constructed In 2002 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $550/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 1660 sqft Vacation Property Constructed In 1985 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

3 Beds, 3 Baths 2270 sqft Vacation Property Constructed In 2009 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Baths 2020 sqft Primary Residence Constructed In 1947 with Wood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $3170/8 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 1152 sqft Primary Residence Constructed In 1970 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Bellingham, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98226 $293,000 $610
98225 $290,800 $620

Bellingham Rates & Quotes Analysis:

Bellingham Area Estimated House Insurance
Meador Ave, Canyon View Rd, Marina Ct, Willow Rd, Alderwood Ave, N Red River Rd, S Parkstone Ct, Alabama St, Mink Ln, Donovan Ave$645
Viewmont Ct, Jasper Ridge Ln, Celia Way, S Clarkwood Dr, Harris Ave, Marigold Dr SE, Kansas St, Loganberry Ln, N Summit Ln, Indiana St$601
W Racine Pl, Overlake Ct, Brandywine Ct, Spring Rd, Padden Hills Ct, Mahogany Ave, Donovan Ave, Oriental Ln, Stoney Creek Ln, E Holly St$601
St Paul Ln, Beaver Ln, E Illinois St, Northwest Ave, Iris Ln, Westerly Rd, Hammer Dr, Brighton Creek Ln, Fieldston Cd, Village Dr$634
N Summit Ln, Rayhorst Rd, Bellis Fair Pkwy, Roland St, Ruth Rd, Cedar Ln, Rhododendron Way, Sumerset Way, Lee Way, Marina Pl$600
Wildflower Way, Clematis Cir, Galbraith Ln, Harris Ave, Alderwood Ave, Lummi Shore Rd, Fraser St, Chuckanut Ave, Pender Dr, N Point Dr$602
Mossop Dr, S College Dr, Geneva St, Whitehorn St, Brookview Pl, Finch Ct, E Pacific View Dr, Britton Rd, Alabama St, Valencia St$596
Pacificview Dr, Wildflower Ct, Cranberry Ct, State Hwy 11, Sweetclover Cir, College St, Heron Point Ln, Jefferson St, Lemon Grove Dr, S 43rd St$617
Ann Ct, Pinewood St, Daniels Ct, E Champion St, Chuckanut Heights Rd, Sunset Dr, Gooseberry Cir, N Garden St, Willow Road Pl, Telegraph Rd$656
Bayview Dr, Plum Ct, Willowbrook Ln, Marina Cir, Virginia St, 17th St, Edwards St, Willowbrook Pl, Division St, Cleator Rd$623

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,219 Homes (16% of total homes ) built between 1939 or earlier in Bellingham are paying home insurance between $1,303-$1,312. Places close to Bellingham, WA such as Geneva, Bow, Lummi Island are more expensive by $40, $36, $82 respectively while Sudden Valley and Alger are cheaper by $12 and $63 respectively for similar homes.
  • Bedrooms: 15,521 2 bedrooms homes (32% of total homes ) in Bellingham are paying about $275. Areas near to Bellingham such as Geneva, Bow, Edison are costlier by $9, $13, $6 respectively whereas Sudden Valley and Alger are more economical by $3, $8 respectively for similar homes.
  • Auto Insurance Bundling: 6,510 Households (26% of all households) in Bellingham have 3 or more vehicles available and when it is bundled with home insurance you can save $152. Discounts for similar bundling in close by locations such as Geneva, Sudden Valley, Marietta-Alderwood come to $157, $151, $152 respectively.
  • Senior Discounts: 13,043 seniors (more than 55 years) occupied housing units (53% of total) in Bellingham get discounts between $91 to $93. The comparative concessions in proximate regions such as Geneva, Sudden Valley and Marietta-Alderwood are $94, $90 and $91 respectively.
  • New Homes discounts: New homes such as the 21,852 homes built between 2000 to 2009 in Bellingham can save $121 and varies from Geneva ($125), Sudden Valley ($120), Marietta-Alderwood ($121).

Bellingham Homeowners insurance Facts

  • Bellingham, WA has 24,557 owner occupied houses which is 54.0% of all units whereas Geneva, Sudden Valley and Marietta-Alderwood have 95.01%, 75.0% and 42.93% respectively.
  • Bellingham, WA homeowners yearly insurance price at $609 is 0.21% of the typical house value of $291,900 which is in contrast with 0.17% in Geneva, 0.22% at Sudden Valley & 0.21% in Marietta-Alderwood.
  • Homeowners in Bellingham, WA pay 3.48% of their income ($15,000 to $19,999) in insurance whereas homeowners in Sudden Valley, Marietta-Alderwood and Bow pay 3.45%, 3.47% and 3.58% respectively.
  • Bellingham, WA’s insurance is 3.0% of monthly housing costs of $1,684/month, for owners with a mortgage compared to 2.81% in Geneva, 2.95% at Sudden Valley & 3.22% in Marietta-Alderwood. But, for households without a mortgage, insurance is 10.2% of costs ($497 in Bellingham, WA) in contrast with 9.23% in Geneva, 9.3% at Sudden Valley & 11.84% in Marietta-Alderwood.

Bellingham, WA Home Values & Insurance rates

For example, insurance for 5,318 Homes (29.0% of total homes ) valued between $300,000 to $399,999 in Bellingham, WA is about $724. Rates in nearby areas in such as Geneva, Bow, Lummi Island are cheaper by $146, $130, $226 respectively while Sudden Valley and Marietta-Alderwood are costlier by $49 and $17 respectively for similar homes.

Bellingham, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 781 4.0% $48
$50,000 to $59,999 188 1.0% $103
$100,000 to $124,999 459 2.0% $225
$125,000 to $149,999 529 2.0% $286
$150,000 to $174,999 1,023 5.0% $334
$175,000 to $199,999 1,349 7.0% $389
$200,000 to $249,999 4,087 22.0% $468
$250,000 to $299,999 4,183 22.0% $572
$300,000 to $399,999 5,318 29.0% $724

Renters Insurance in Bellingham

  • Average Renters Insurance in Bellingham :  $140($11/month)

  • Median Gross Rent in Bellingham :  $877

  • Bellingham Renters Insurance to Median Rent Ratio:  1.25%

  • Average household size of renter-occupied unit :  2.21

Bellingham Renters Insurance as a Percentage of Rent

Bellingham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 420 2.0% $335
$200 to $299 365 1.0% $785
$300 to $499 1,267 6.0% $1235
$500 to $749 4,774 23.0% $1910
$750 to $999 5,958 29.0% $2660
$1,000 to $1,499 5,019 24.0% $3785
$1,500 or more 2,473 12.0% $5435

Rent Affordability in Bellingham:

Approximately 50.0% (10,610) of households are spending more than 35% of their income on gross rent in Bellingham

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,408 6.0%
15.0 to 19.9 percent 2,139 10.0%
20.0 to 24.9 percent 2,721 13.0%
25.0 to 29.9 percent 2,439 11.0%
30.0 to 34.9 percent 1,571 7.0%
35.0 percent or more 10,610 50.0%

Protective device discount in Bellingham Up to :  $21

Claims-free discount in Bellingham Up to :  $28

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