Kent Insurance Rates:

Kent, WA home insurance is nearly $515 to $697, about $42-$58/month. Our extensive guide reveals consumers can save as much as $242 by getting many quotes

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Kent Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $510/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2710 sqft Seasonal Residence Constructed In 2002 with Wood Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Bath 2670 sqft Primary Residence Constructed In 2005 with Carpet Flooring, Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 970 sqft Primary Residence Constructed In 1999 with Linoleum, Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $450/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 2170 sqft Vacation Property Constructed In 1971 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $10760/9 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 2115 sqft Primary Residence Constructed In 1970 with Carpet over wood flooring, Metal Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Kent, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98042 $322,700 $620
98031 $286,100 $610
98032 $251,200 $610

Kent Rates & Quotes Analysis:

Kent Area Estimated House Insurance
SE 211th Pl, S 220th Pl, 112th Ct SE, Railroad Ave S, Kensington Ave, SE 287th St, SE 279th Ct, Alder Ln, S 266th St, 126th Ct SE$597
SE 247th St, E Walnut St, E Maple St, S 220th Ln, S 241st St, 131 Ave SE, 92nd Pl S, S 231st Pl, 96th Ave S, S 170th St$618
99th Pl S, SE 201st Pl, 103rd Ave SE Prvt, Central Pl S, SE 294th St, SE 284th Ct, SE 306th St, S 239th St, 223rd Ln SE, SE 233rd St$595
SE 222nd Ct, SE 202nd Pl, SE 295th St, Pacific Pl, N Lincoln Ave, SE 201st St, E Willis St, S 204th Ct, S Reith Rd, 110th Ct SE$616
SE 180th Pl, S 241st St, Washington Ave S, SE 238th Pl, SE 274th St, 118th Ct SE, SE 240th Way, 114th Ct SE, E Smith St, SE 231st Ct$604
S 289th Pl, S 261st Pl, Covington-Sawyer Rd, S Glacier St, 138th Ln SE, Woodland Way S, 76th Ave S, SE 235th Pl, 111th Way SE, Carnaby Way$606
S 46th Pl, S 253rd Pl, S 167th St, SE 286th Ct, SE 253rd Ct, 235th Way SE, 15th Pl S, SE 284 St, SE 282nd Pl, 126th Ct SE$607
195th Ave SE, 240th Ln SE, S 257th Pl, S 239th St, 47 Ct S, S 264th St, Peach Ln, S 228th Pl, E Hemlock St, Prospect Ave N$603
SE 201st St, SE 329th St, 135th Ln SE, 85th Pl S, S 259th St, S 214th Pl, S 203rd Pl, W Morton St, SE 210th Pl, 184th Pl SE$621
W Saar St, SE 302nd St, S 261st St, SE 213th Pl, SE 204th Pl, Hanging Gardens Park Access Rd, SE 187th Pl, 119th Dr SE, S 246th St, Canyon Dr$588

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,321 Homes (24% of total homes ) built between 1980 to 1989 in Kent are paying home insurance between $904-$913. Places close to Kent, WA such as Fairwood, Lake Morton-Berrydale, Maple Heights-Lake Desire are more expensive by $21, $28, $55 respectively while SeaTac and Algona are cheaper by $13 and $21 respectively for similar homes.
  • Bedrooms: 7,808 4 bedrooms homes (19% of total homes ) in Kent are paying about $576 in contrast with Fairwood (+$13), Covington (+$4), Renton (+$5), SeaTac (-$7) and Auburn (-$5).
  • Auto Insurance Bundling: 9,091 Households (43% of all households) in Kent have 2 vehicles available and when it is bundled with home insurance you can save $121. Discounts for similar bundling in close by locations such as Lakeland North, Des Moines, Fairwood come to $121, $121, $124 respectively.
  • Senior Discounts: 8,044 seniors (more than 55 years) occupied housing units (38% of total) in Kent get discounts between $90 to $93 compared to Lakeland North ($90), Fairwood ($93), Covington ($91).
  • New Homes discounts: New homes such as the 16,457 homes built between 2000 to 2009 in Kent can save $121 and varies from Lakeland North ($121), Des Moines ($121), Fairwood ($124).

Kent Homeowners insurance Facts

  • Kent, WA has 20,959 owner occupied houses which is 54.2% of all units whereas Lakeland North, Des Moines and Fairwood have 77.55%, 62.92% and 73.05% respectively.
  • Kent, WA homeowners yearly insurance price at $606 is 0.22% of the typical house value of $278,300 which is in contrast with 0.22% in Lakeland North, 0.22% at Des Moines & 0.18% in Fairwood.
  • Homeowners in Kent, WA pay 0.81% of their income ($75,000 or more) in insurance whereas homeowners in Lakeland North, Des Moines and Fairwood pay 0.81%, 0.81% and 0.83% respectively.
  • Kent, WA’s insurance is 2.6% of monthly housing costs of $1,979/month, for owners with a mortgage compared to 2.64% in Lakeland North, 2.52% at Des Moines & 2.41% in Fairwood. But, for households without a mortgage, insurance is 8.7% of costs ($579 in Kent, WA) in contrast with 7.37% in Lakeland North, 9.05% at Des Moines & 7.69% in Fairwood.

Kent, WA Home Values & Insurance rates

For example, insurance for 3,621 Homes (20.0% of total homes ) valued between $200,000 to $249,999 in Kent, WA is about $490. Rates in nearby areas in such as Fairwood, Covington, Renton are cheaper by $81, $33, $32 respectively while SeaTac and Auburn are costlier by $60 and $38 respectively for similar homes.

Kent, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,085 6.0% $48
$100,000 to $124,999 547 3.0% $236
$125,000 to $149,999 438 2.0% $296
$150,000 to $174,999 776 4.0% $351
$175,000 to $199,999 1,182 6.0% $406
$200,000 to $249,999 3,621 20.0% $490
$250,000 to $299,999 4,280 23.0% $593
$300,000 to $399,999 5,667 31.0% $757

Renters Insurance in Kent

  • Average Renters Insurance in Kent :  $148($12/month)

  • Median Gross Rent in Kent :  $992

  • Kent Renters Insurance to Median Rent Ratio:  1.21%

  • Average household size of renter-occupied unit :  2.68

Kent Renters Insurance as a Percentage of Rent

Kent Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 227 1.0% $337
$200 to $299 214 1.0% $787
$300 to $499 506 2.0% $1237
$500 to $749 2,299 13.0% $1912
$750 to $999 5,697 32.0% $2662
$1,000 to $1,499 6,089 34.0% $3787
$1,500 or more 2,425 13.0% $5437

Rent Affordability in Kent:

Approximately 47.0% (8,424) of households are spending more than 35% of their income on gross rent in Kent

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,321 7.0%
15.0 to 19.9 percent 2,276 12.0%
20.0 to 24.9 percent 2,016 11.0%
25.0 to 29.9 percent 1,926 10.0%
30.0 to 34.9 percent 1,753 9.0%
35.0 percent or more 8,424 47.0%

Kent Renters Insurance Discounts:

Kent Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Kent, WA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,798 44.0% $14.8
2 vehicles available 5,721 32.0% $22.2
3 or more vehicles available 1,541 8.0% $29.6

Kent Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 951 5.0% $99
60 to 64 years 760 4.0% $79
65 to 74 years 1,019 5.0% $64
75 years and over 925 5.0% $49

Protective device discount in Kent Up to :  $22

Claims-free discount in Kent Up to :  $29