Seattle Insurance Rates:

Seattle, WA home insurance is approximately $535 to $725, about $44-$60/month. Our thorough research reveals consumers can save upto $252 by comparing many quotes

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Seattle Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $540/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

3 Beds, 3 Baths 2390 sqft Seasonal Residence Constructed In 1944 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $210/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $460,000

3 Beds, 3 Baths 2140 sqft Vacation Property Constructed In 1990 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married 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 :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $560/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $400,000

4 Beds, 4 Bath 1970 sqft Seasonal Residence Constructed In 1942 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $290/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

3 Beds, 3 Bath 1970 sqft Seasonal Residence Constructed In 1971 with Stone Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $390/5 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $805,000

5 Beds, 5 Baths 4020 sqft Primary Residence Constructed In 1940 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1920/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $675,000

5 Beds, 5 Bath 3350 sqft Seasonal Residence Constructed In 1943 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married 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 :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $4580/2 months for $900,000-$1,000,000 Coverage
Policy Holder Home Details :

Home Value : $770,000

3 Beds, 3 Baths 1924 sqft Primary Residence Constructed In 1986 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $180/3 months for $300,000 Coverage
Our house is very ancient (constructed 60 years ago) but the inside has been renovated with New furnace, water heater, plumbing & electricity. Its a 3 bedroom, 1 bath , 1350 sft house worth about $500k.
Great credit score. Old home with no mortgage. No kids now. Smoker. We have an old harmles dog.
Home Insurance Rate of $106/2 months for $150,000 Coverage
We bought our new house for $250,000 about two years ago. House values are pretty much the same as it was before the housing market crisis.
I am a non-smoker fairly health middle aged woman who doesn't have any pets and living alone.

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Seattle Rates & Quotes Analysis:

Seattle Area Estimated House Insurance
SW Normandy Rd, McGilvra Blvd E, NW 65th St, NW 42nd St, 8th Ct NE, NW 173rd St, N 37th St, S Massachusetts St, SW 152nd St, Perkins Ln W$647
21st Pl NE, 83rd Ave S, 26th Ave SE, W Lee St, 68th Pl S, 20th Pl NE, SW 118th St, E Superior St, Gale Pl S, 42nd Ave E$614
NW Dock Pl, 118th Ct SE, Stendall Dr N, N 168th St, 83rd Ave S, Marine View Pl SW, S 207th St, W Roberts Way, Carter Pl, N Allen Pl$721
Renton Pl S, NW 120th St, S Oxford Ct, 58th Ave SW, Alaskan Way W, 29th Ave, NW 62nd St, Gilman Ave W, SW 209th St, N 198th St$619
Taylor Ave N, E Gwinn Pl, NW 52nd St, 29th Ave W, Harrison St, E Hamlin St, S 107th St, Beach Dr, S 106th St, E Green Lake Way N$620
N 169th St, Malden Ave E, NW 39th St, S 117th Ct, S 183rd St, Strander Blvd, Maynard Aly S, 47th Ave W, SE 228th Pl, 12th Ave$647
Pacific Hwy Brg, Waters Ave S, N 100th St, S 141st St, W Argand St, SE 251st Ct, N 125th St, NE Elk Pl, Patten Pl W, S 141st St$660
SW 99th St, 96th Way, Dr Jose P Rizal Brg, 12th Ave W, Ursula Pl S, 22nd Ave W, Minkler Blvd, S 289th Pl, Kimberly Ave, S 167th Pl$700
34th Ln S, N 137th St, E Louisa St, 15th Ave W, 12th Ave E, SW Walker St, S 256th St, 77th Ave S, S 154th St, Raymond Ave SW$617
44th Pl NE, Yale Ave N, S Donovan St, 47th Pl NE, N 174th St, NE Campus Pkwy, SE 203rd St, S 226th St, N 182nd Pl, Meridian Pl N$674

Insurance rates are influenced by a number of factors including:

  • Year Built: 54,918 Homes (12% of total) built between 1960 to 1969 in Seattle are paying home insurance between $1,102-$1,111 compared to Mercer Island (+$208), Beaux Arts Village (+$221), Medina (+$255), Boulevard Park (-$48) and White Center (-$57).
  • Bedrooms: 127,042 2 bedrooms homes (30% of total homes ) in Seattle are paying about $284. Areas near to Seattle such as Mercer Island, Beaux Arts Village, Medina are costlier by $53, $57, $66 respectively whereas Boulevard Park and White Center are more economical by $7, $14 respectively for similar homes.
  • Auto Insurance Bundling: 46,687 Households (22% of all households) in Seattle have 3 or more vehicles available and when it is bundled with home insurance you can save $157. Discounts for similar bundling in close by locations such as Boulevard Park, White Center, Mercer Island come to $150, $149, $187 respectively.
  • Senior Discounts: 92,430 seniors (more than 55 years) occupied housing units (43% of total) in Seattle get discounts between $94 to $96. The comparative concessions in proximate regions such as Boulevard Park, White Center and Mercer Island are $90, $89 and $112 respectively.
  • New Homes discounts: New homes such as the 151,323 homes built between 2000 to 2009 in Seattle can save $126 compared to Boulevard Park ($120), White Center ($119), Mercer Island ($149).

Seattle Homeowners insurance Facts

  • Seattle, WA has 211,128 owner occupied houses which is 50.8% of all units whereas Boulevard Park, White Center and Mercer Island have 43.36%, 46.76% and 75.5% respectively.
  • Seattle, WA homeowners yearly insurance price at $630 is 0.17% of the typical house value of $381,000 which is in contrast with 0.23% in Boulevard Park, 0.24% at White Center & 0.08% in Mercer Island.
  • Homeowners in Seattle, WA pay 12.6% of their income (Less than $10,000) in insurance whereas homeowners in Boulevard Park, White Center and Mercer Island pay 12.04%, 11.96% and 14.96% respectively.
  • Seattle, WA’s insurance is 2.4% of monthly housing costs of $2,204/month, for owners with a mortgage compared to 2.77% in Boulevard Park, 2.73% at White Center & 1.66% in Mercer Island. But, for households without a mortgage, insurance is 8.1% of costs ($651 in Seattle, WA) in contrast with 7.09% in Boulevard Park, 9.03% at White Center & 7.01% in Mercer Island.

Seattle, WA Home Values & Insurance rates

For example, insurance for 6,370 Homes (5.0% of total homes ) valued between $175,000 to $199,999 in Seattle, WA is about $308. Rates in nearby areas in such as Mercer Island, Newcastle, Bellevue are cheaper by $151, $81, $81 respectively while Boulevard Park and White Center are costlier by $119 and $146 respectively for similar homes.

Seattle, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,971 3.0% $37
$100,000 to $124,999 1,996 1.0% $176
$125,000 to $149,999 2,191 1.0% $226
$150,000 to $174,999 4,657 4.0% $264
$175,000 to $199,999 6,370 5.0% $308
$200,000 to $249,999 19,149 16.0% $371
$250,000 to $299,999 23,706 20.0% $453
$300,000 to $399,999 51,365 44.0% $573

Renters Insurance in Seattle

  • Average Renters Insurance in Seattle :  $82($6/month)

  • Median Gross Rent in Seattle :  $1,029

  • Seattle Renters Insurance to Median Rent Ratio:  0.58%

  • Renter occupied housing units in Seattle :  204,204

Seattle Renters Insurance as a Percentage of Rent

Seattle Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,292 1.0% $320
$200 to $299 5,905 2.0% $770
$300 to $499 8,068 4.0% $1220
$500 to $749 22,902 11.0% $1895
$750 to $999 54,668 27.0% $2645
$1,000 to $1,499 65,759 32.0% $3770
$1,500 or more 38,890 19.0% $5420

Rent Affordability in Seattle:

Approximately 42.0% (86,296) of households are spending more than 35% of their income on gross rent in Seattle

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 21,232 10.0%
15.0 to 19.9 percent 25,580 12.0%
20.0 to 24.9 percent 27,555 13.0%
25.0 to 29.9 percent 25,242 12.0%
30.0 to 34.9 percent 18,299 8.0%
35.0 percent or more 86,296 42.0%

Seattle Renters Insurance Discounts:

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

Number of Vehicles in Seattle, WA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 101,040 49.0% $8.2
2 vehicles available 42,706 20.0% $12.3
3 or more vehicles available 12,803 6.0% $16.4

Seattle Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 11,832 5.0% $102
60 to 64 years 9,748 4.0% $82
65 to 74 years 11,519 5.0% $66
75 years and over 11,913 5.0% $51

Protective device discount in Seattle Up to :  $12

Claims-free discount in Seattle Up to :  $16

Seattle, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98112 $745,300 $720
98199 $622,800 $690
98119 $614,500 $700
98105 $611,600 $700
98115 $492,800 $680
98109 $491,700 $670
98177 $489,300 $670
98103 $482,600 $670
98116 $476,200 $670
98117 $470,800 $670
98136 $462,400 $660
98107 $455,700 $660
98104 $437,500 $650
98122 $420,900 $660
98102 $415,500 $650
98121 $407,400 $650
98144 $399,900 $650
98101 $393,800 $640
98126 $380,500 $640
98125 $377,400 $650
98118 $360,500 $630
98133 $338,200 $620
98106 $305,100 $630
98134 $206,700 $600