Edmonds Insurance Rates:

Edmonds, WA home insurance is roughly $529 to $716, about $44-$59/month. Our detailed analysis reveals consumers can save upto $248 by comparing different quotes

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Edmonds, Washington Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Edmonds Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $1640/9 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $910,000

5 Beds, 5 Baths 4520 sqft Primary Residence Constructed In 2002 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $360/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

4 Beds, 4 Baths 3060 sqft Seasonal Residence Constructed In 2014 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $605,000

4 Beds, 4 Baths 2870 sqft Primary Residence Constructed In 1971 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

3 Beds, 3 Baths 1730 sqft Seasonal Residence Constructed In 1996 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $8740/8 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $335,000

2 Beds, 2 Baths 1660 sqft Primary Residence Constructed In 1972 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Edmonds, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98026 $359,100 $640

Edmonds Rates & Quotes Analysis:

Edmonds Area Estimated House Insurance
93rd Ave W, Brier Way, 209th St SW, Mountain Ln, Eagles Nest Dr, 49th Pl, 71st Ave W, 122nd Pl SW, 80th Ct W, N 205th St$666
Little John Ct, 71st Ave W, 78th Pl W, Hanna Park Rd, 151st St SE, 76th Pl W, 173rd Pl SW, 25 Dr SE, 40th Pl W, 226th St SE$625
12th Ave N, 43rd Pl W, 170th Pl SE, Logan Rd, 126th St SW, 16th Dr SE, Atlas Rd, Lake Dr W, 221st St SE, 205th St SW$623
182 St SW, 241st Pl SW, 207th Pl SW, Eagle Ln, 87 Ave W, 188th Pl SE, 193rd Pl SW, 4th Ave S, Maple Way, 95th Ave W$627
Hemlock St, 167th Pl SE, 165th Pl SW, 222 St SW, Double Eagle Dr, 89th Ave W, 175 Pl SW, 142nd Dr SE, 32nd Pl W, 198th Pl SE$643
6th Dr SE, 171st St SW, 87th Pl W, W Villa Monte Dr, Lake Dr E, Puget Dr, Park Way, 205th Pl SE, 91st Ave W, 187th Pl SE$616
201st St SE, Locust Pl, 148th Ct SE, 195th Pl SW, 223rd Pl SE, 7th Ave N, 174th Pl SE, 189th St SE, Meadowdale Rd, 121st Pl SW$606
236th Pl SW, 150th Pl SE, 158th St SW, 207th St SW, 209th St SW, 185th Pl SE, 82nd Pl W, 94th Pl W, Cypress Way, 11 Pl W$626
Old Mill Rd, 18th Ln SE, Kamiak Rd, 5th Ave N, 142nd St SW, 207th Pl SE, N Meadowdale Rd, 10th Pl N, 71st Pl W, Durbin Dr$645
63rd Pl SW, 104th Ave W, Possession Ln, Bing Rd, 135th St SW, 136th St SE, Carol Way, Sunset Way, 28th Pl W, 19th Pl SW$666

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,957 Homes (19% of total homes ) built between 1970 to 1979 in Edmonds are paying home insurance between $1,008-$1,017. Places close to Edmonds, WA such as Brier, Woodway, Lake Forest Park are more expensive by $11, $237, $34 respectively while Lynnwood and North Lynnwood are cheaper by $18 and $33 respectively for similar homes.
  • Bedrooms: 25,117 2 bedrooms homes (26% of total homes ) in Edmonds are paying about $280 compared to Alderwood Manor (+$5), Larch Way (+$7), Brier (+$10), North Lynnwood (-$3) and Mountlake Terrace (-$7).
  • Auto Insurance Bundling: 17,650 Households (28% of all households) in Edmonds have 3 or more vehicles available and when it is bundled with home insurance you can save $155 in contrast with Lynnwood ($152), Meadowdale ($156), North Lynnwood ($150).
  • Senior Discounts: 27,211 seniors (more than 55 years) occupied housing units (43% of total) in Edmonds get discounts between $93 to $95. The comparative concessions in proximate regions such as Lynnwood, Meadowdale and North Lynnwood are $91, $93 and $90 respectively.
  • New Homes discounts: New homes such as the 41,432 homes built between 2000 to 2009 in Edmonds can save $124 in contrast with Lynnwood ($122), Meadowdale ($125), North Lynnwood ($120).

Edmonds Homeowners insurance Facts

  • Edmonds, WA has 62,143 owner occupied houses which is 67.3% of all units whereas Lynnwood, Meadowdale and North Lynnwood have 52.56%, 76.53% and 44.36% respectively.
  • Edmonds, WA homeowners yearly insurance price at $622 is 0.18% of the typical house value of $348,200 which is in contrast with 0.2% in Lynnwood, 0.17% at Meadowdale & 0.23% in North Lynnwood.
  • Homeowners in Edmonds, WA pay 0.92% of their income ($60,000 to $74,999) in insurance whereas homeowners in Lynnwood, Meadowdale and North Lynnwood pay 0.91%, 0.93% and 0.89% respectively.
  • Edmonds, WA’s insurance is 2.4% of monthly housing costs of $2,157/month, for owners with a mortgage compared to 2.69% in Lynnwood, 2.28% at Meadowdale & 2.49% in North Lynnwood. But, for households without a mortgage, insurance is 8.6% of costs ($605 in Edmonds, WA) in contrast with 9.24% in Lynnwood, 6.15% at Meadowdale & 9.04% in North Lynnwood.

Edmonds, WA Home Values & Insurance rates

For example, insurance for 1,537 Homes (3.0% of total homes ) valued between $150,000 to $174,999 in Edmonds, WA is about $286. Rates in nearby areas in such as Picnic Point, Woodway, Lake Forest Park are cheaper by $11, $164, $49 respectively while Lynnwood and North Lynnwood are costlier by $43 and $92 respectively for similar homes.

Edmonds, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,875 4.0% $43
$100,000 to $124,999 660 1.0% $192
$125,000 to $149,999 573 1.0% $242
$150,000 to $174,999 1,537 3.0% $286
$175,000 to $199,999 1,813 4.0% $329
$200,000 to $249,999 5,647 13.0% $398
$250,000 to $299,999 8,659 20.0% $491
$300,000 to $399,999 19,802 47.0% $622

Renters Insurance in Edmonds

  • Average Renters Insurance in Edmonds :  $104($8/month)

  • Median Gross Rent in Edmonds :  $1,152

  • Edmonds Renters Insurance to Median Rent Ratio:  0.69%

  • Average household size of renter-occupied unit :  2.35

Edmonds Renters Insurance as a Percentage of Rent

Edmonds Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 399 1.0% $776
$300 to $499 455 1.0% $1226
$500 to $749 1,873 6.0% $1901
$750 to $999 6,975 23.0% $2651
$1,000 to $1,499 12,470 42.0% $3776
$1,500 or more 6,890 23.0% $5426

Rent Affordability in Edmonds:

Approximately 40.0% (12,316) of households are spending more than 35% of their income on gross rent in Edmonds

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,842 9.0%
15.0 to 19.9 percent 3,536 11.0%
20.0 to 24.9 percent 3,785 12.0%
25.0 to 29.9 percent 4,320 14.0%
30.0 to 34.9 percent 3,349 11.0%
35.0 percent or more 12,316 40.0%

Protective device discount in Edmonds Up to :  $15

Claims-free discount in Edmonds Up to :  $20