Bremerton Insurance Rates:

Bremerton, WA home insurance is approximately $508 to $688, about $42-$57/month. Our thorough analysis reveals consumers can save upto $239 by getting multiple quotes

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Bremerton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $200/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

2 Beds, 2 Bath 1720 sqft Primary Residence Constructed In 1957 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $480,000

5 Beds, 5 Baths 4550 sqft Primary Residence Constructed In 2012 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $190/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

3 Beds, 3 Baths 2400 sqft Seasonal Residence Constructed In 1986 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $150/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Baths 2480 sqft Seasonal Residence Constructed In 2009 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 1930 sqft Rental Property Constructed In 1951 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $270/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1560 sqft Seasonal Residence Constructed In 1998 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $560/1 month for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $215,000

2 Beds, 2 Baths 1395 sqft Primary Residence Constructed In 1994 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Bremerton, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98312 $237,000 $600
98311 $232,700 $600
98310 $224,100 $600
98337 $193,800 $600

Bremerton Rates & Quotes Analysis:

Bremerton Area Estimated House Insurance
Willow St, Tiger Mission Rd W, Kitty Hawk Dr NW, Holland Rd NW, NE Athens Way, Lobelia Ave NW, Anoka Ave, NE Garinger St, Mallard Ln, Farragut St$603
Bledsoe Ave, Oyster Bay Ct, NW Newberry Ln, S Marion Ave, Tik Pl, Vincent Way, Aegan Blvd NE, Amethyst Loop NW, NW Ioka Way, NW Dolly Varden Ln$592
NW Brinkley Ct, NE Aquarius Ln, Hart St NW, Solnae Pl NW, NW Wilkes St, NE Wyoming St, Bristlecone Dr, Broadway Ave, E 32nd St, NE Furneys Ln$596
E 16th St, Calumet Dr NW, NW Eldorado Blvd, Humphrey St W, Fenner Pl, NE Valley Oak Dr, Harlow Dr NW, Viola Pl W, Hope St, Papoose Pl NE$616
Front Ave W, NE Towne Ct, NE Wise St, Raptor Ln NW, Silverdale Loop Rd NW, Wright Ct, Vandalia Ave, NE Tracy Ave, Grand Pine Loop NE, Bunker St NW$594
Overland Trl NW, NE Ocasta St, Kingsway W, NE Mount Olympus Ln, Ridgemont Dr NE, NE Fuson Rd, NE Mulberry Ln, Caymans Pl NE, Shore Pl NW, Taft Ave$595
Cortez Pl NW, Nels Nelson Rd NW, Cranway Ln NW, Rainier Ave, Dowell Rd, Rocky Point Rd NW, Yoder Ln NE, Sea Scape Ln NW, NE Goldstone Ln, U St$598
Earendal Ave, Magnuson Ct, Hidden Firs Ln NE, Sylvan Pines Cir, NW Herried Rd, Walnut St, Hoogwerff Rd, Elizabeth Ave, Sundown Dr, Chestnut St$581
Looney Tune Ln NW, Grandpeak Ln NW, NW Hydrangea St, Thayer Ln NW, Larkin Ln NE, NW Windjammer Ln, NW Stavis Bay Rd, Hewitt Ave, 8th St, Olympic View Rd NW$608
Bridlevale Blvd NW, Myers Rd, Ridgeway Dr NW, Fidalgo Ct NW, State Hwy 306, Brownsville Hwy NE, NE Benita Pl, NW Harrison Ave NW, NW Myhre Rd, Wembly Ave NE$603

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,116 Homes (17% of total homes ) built between 1980 to 1989 in Bremerton are paying home insurance between $891-$900. Places close to Bremerton, WA such as Chico, Seabeck, Rocky Point are more expensive by $47, $51, $30 respectively while Navy Yard City and Enetai are cheaper by $32 and $13 respectively for similar homes.
  • Bedrooms: 18,462 3 bedrooms homes (40% of total homes ) in Bremerton are paying about $347 in contrast with Chico (+$18), Seabeck (+$20), Rocky Point (+$12), Navy Yard City (-$12) and Enetai (-$5).
  • Auto Insurance Bundling: 8,460 Households (34% of all households) in Bremerton have 3 or more vehicles available and when it is bundled with home insurance you can save $149. Discounts for similar bundling in close by locations such as Erlands Point-Kitsap Lake, Chico, Seabeck come to $149, $157, $158 respectively.
  • Senior Discounts: 12,187 seniors (more than 55 years) occupied housing units (49% of total) in Bremerton get discounts between $89 to $91. The comparative concessions in proximate regions such as Erlands Point-Kitsap Lake, Chico and Gorst are $89, $94 and $90 respectively.
  • New Homes discounts: New homes such as the 16,312 homes built between 2000 to 2009 in Bremerton can save $119 and similar new home insurance discounts in nearby towns and cities like Erlands Point-Kitsap Lake, Chico and Seabeck are $119, $125 and $126 respectively.

Bremerton Homeowners insurance Facts

  • Bremerton, WA has 24,768 owner occupied houses which is 58.6% of all units whereas Erlands Point-Kitsap Lake, Chico and Seabeck have 64.34%, 85.89% and 98.58% respectively.
  • Bremerton, WA homeowners yearly insurance price at $598 is 0.24% of the typical house value of $245,000 which is in contrast with 0.25% in Erlands Point-Kitsap Lake, 0.17% at Chico & 0.16% in Seabeck.
  • Homeowners in Bremerton, WA pay 1.41% of their income ($40,000 to $44,999) in insurance whereas homeowners in Erlands Point-Kitsap Lake, Chico and Rocky Point pay 1.4%, 1.48% and 1.45% respectively.
  • Bremerton, WA’s insurance is 2.9% of monthly housing costs of $1,715/month, for owners with a mortgage compared to 3.71% in Erlands Point-Kitsap Lake, 2.52% at Chico & 3.0% in Seabeck. But, for households without a mortgage, insurance is 10.0% of costs ($497 in Bremerton, WA) in contrast with 10.37% in Erlands Point-Kitsap Lake, 8.36% at Chico & 7.9% in Seabeck.

Bremerton, WA Home Values & Insurance rates

For example, insurance for 954 Homes (4.0% of total homes ) valued between Less than $50,000 in Bremerton, WA is about $59. Rates in nearby areas in such as Seabeck, Rocky Point, Kitsap County are cheaper by $22, $16, $5 respectively while Navy Yard City and Brinnon are costlier by $33 and $5 respectively for similar homes.

Bremerton, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 954 4.0% $59
$80,000 to $89,999 238 1.0% $203
$90,000 to $99,999 244 1.0% $227
$100,000 to $124,999 879 4.0% $263
$125,000 to $149,999 881 4.0% $334
$150,000 to $174,999 2,146 10.0% $394
$175,000 to $199,999 2,160 10.0% $454
$200,000 to $249,999 4,866 23.0% $550
$250,000 to $299,999 4,176 19.0% $669
$300,000 to $399,999 4,093 19.0% $849

Renters Insurance in Bremerton

  • Average Renters Insurance in Bremerton :  $170($14/month)

  • Median Gross Rent in Bremerton :  $960

  • Bremerton Renters Insurance to Median Rent Ratio:  1.46%

  • Renter occupied housing units in Bremerton :  17,484

Bremerton Renters Insurance as a Percentage of Rent

Bremerton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 315 1.0% $342
$200 to $299 301 1.0% $792
$300 to $499 775 4.0% $1242
$500 to $749 2,921 17.0% $1917
$750 to $999 4,775 28.0% $2667
$1,000 to $1,499 5,760 34.0% $3792
$1,500 or more 1,833 10.0% $5442

Rent Affordability in Bremerton:

Approximately 46.0% (8,083) of households are spending more than 35% of their income on gross rent in Bremerton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,663 9.0%
15.0 to 19.9 percent 1,903 10.0%
20.0 to 24.9 percent 1,974 11.0%
25.0 to 29.9 percent 2,225 12.0%
30.0 to 34.9 percent 1,636 9.0%
35.0 percent or more 8,083 46.0%

Protective device discount in Bremerton Up to :  $25

Claims-free discount in Bremerton Up to :  $34

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