Sultan Insurance Rates:

Sultan, WA home insurance is about $505 to $688, about $42-$57/month. Our thorough analysis reveals consumers can save as much as $238 by comparing different quotes

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Sultan Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $100/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1330 sqft Vacation Property Constructed In 2006 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1040/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

4 Beds, 4 Baths 3210 sqft Primary Residence Constructed In 2006 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Female who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $540/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Baths 2230 sqft Seasonal Residence Constructed In 1984 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $510/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $550,000

5 Beds, 5 Baths 4370 sqft Rental Property Constructed In 1993 with Carpet over wood flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Female 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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $580/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Baths 2380 sqft Seasonal Residence Constructed In 1987 with Linoleum, Metal Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $770/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $570,000

5 Beds, 5 Baths 4650 sqft Vacation Property Constructed In 1982 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $260/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $380,000

4 Beds, 4 Bath 2510 sqft Vacation Property Constructed In 2003 with Stone Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who has a Part Time Job 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

  • Up to 499 Credit Score

Home Insurance Rate of $510/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Baths 1580 sqft Seasonal Residence Constructed In 1984 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, 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 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Sultan, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98294 $228,200 $600

Sultan Rates & Quotes Analysis:

Sultan Area Estimated House Insurance
Monroe Duvall Rd, Cemetery Rd, Rosewood Dr, 207th Ave SE, Dagger Lake Rd, 181st Pl SE, 176th Pl SE, Bowden Ln, 138th Pl SE, Linda Ave$610
430th Ave SE, Perkins Way, May Creek Rd, Mt Index Rd, 175th Pl SE, Bell Ave, 223rd Ave SE, Willow Wind Pl, Woods Lake Rd, 336th Dr SE$588
Skyco Dr, 424th Ave SE, Dotson Rd, 366th Ave SE, S Skyview Dr, Cheryl Way, 215th Ave SE, Verlinde Ave, 239th Dr SE, May Creek Dr$607
310th Ave SE, 220th St SE, Old Sultan-Startup Rd, Merea Ln, Foundry Dr, 307th Ave SE, Amanda St, Reiner Rd, 323rd Ave SE, 399th Ave SE$594
339th Ave SE, Cedar Ponds Rd, 367th Ave SE, 302nd Ave SE, 229th Pl SE, Kessler Dr, Olney Rd, 188th Pl SE, Potson Rd, 323rd Ave SE$611
297th, Alder Dr, 275th Ave SE, High St, E Lake Kayak Rd, Index-Galena Rd, Stickney Mountain Pl, Sultan Startup Rd, Mt Index River Rd, High Ave$612
Reiner Rd, Timber Ln, 329th Ave SE, Aspen, Birch, Kellogg Lake Rd, 273rd Ave SE, Amanda Ave, 363rd Ave SE, 1st Pl$604
143rd Pl SE, 207 St SE, W Stevens Ave, Old Owen Rd, Hill Rd, Sultan Basin Rd, Tualco Rd, 419th Ave SE, 405th Dr SE, 439th Dr SE$589
Garden Ln, Spruce Dr, Wisteria Ave, Alder Ave, 357th Ave SE, 203rd St SE, 338th Ave SE, 177th St SE, Alder, Reiter Rd$608
444th Dr SE, 387th Ave SE, Elm Ct, 195th St SE, 358th Ave SE, Woodwind Pl, Lake Fontal Rd, River Park Dr, Yew Ave, Olner-179th Ave SE$605

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,798 Homes (29% of total) built between 1990 to 1999 in Sultan are paying home insurance between $861-$870 in contrast with Granite Falls (+$19), Snohomish County (+$25), Woods Creek (+$46), May Creek (-$12) and Baring (-$32).
  • Bedrooms: 1,313 2 bedrooms homes (21% of total homes ) in Sultan are paying about $275. Areas near to Sultan such as Granite Falls, Snohomish County, Woods Creek are costlier by $6, $8, $9 respectively whereas May Creek and Baring are more economical by $4, $10 respectively for similar homes.
  • Auto Insurance Bundling: 1,617 Households (39% of all households) in Sultan 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 Index, May Creek, Baring come to $148, $147, $143 respectively.
  • Senior Discounts: 1,488 seniors (more than 55 years) occupied housing units (36% of total) in Sultan get discounts between $89 to $91 in contrast with Index ($89), May Creek ($88), Baring ($86).
  • New Homes discounts: New homes such as the 3,171 homes built between 2000 to 2009 in Sultan can save $119 and similar new home insurance discounts in nearby towns and cities like Index, May Creek and Baring are $118, $117 and $115 respectively.

Sultan Homeowners insurance Facts

  • Sultan, WA has 4,105 owner occupied houses which is 79.0% of all units whereas Index, May Creek and Baring have 45.83%, 78.75% and 63.39% respectively.
  • Sultan, WA homeowners yearly insurance price at $597 is 0.25% of the typical house value of $240,800 which is in contrast with 0.26% in Index, 0.29% at May Creek & 0.39% in Baring.
  • Homeowners in Sultan, WA pay 1.84% of their income ($30,000 to $34,999) in insurance whereas homeowners in Index, May Creek and Baring pay 1.83%, 1.81% and 1.77% respectively.
  • Sultan, WA’s insurance is 2.9% of monthly housing costs of $1,695/month, for owners with a mortgage compared to 4.2% in Index, 3.41% at May Creek & 3.13% in Gold Bar. But, for households without a mortgage, insurance is 10.1% of costs ($494 in Sultan, WA) in contrast with 7.92% in Index, 12.43% at May Creek & 11.41% in Gold Bar.

Sultan, WA Home Values & Insurance rates

For example, insurance for 719 Homes (20.0% of total homes ) valued between $300,000 to $399,999 in Sultan, WA is about $865. Rates in nearby areas in such as Granite Falls, North Sultan, Snohomish County are cheaper by $152, $4, $178 respectively while Index and May Creek are costlier by $49 and $130 respectively for similar homes.

Sultan, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 242 6.0% $59
$50,000 to $59,999 44 1.0% $125
$100,000 to $124,999 119 3.0% $268
$125,000 to $149,999 283 7.0% $340
$150,000 to $174,999 391 10.0% $399
$175,000 to $199,999 321 8.0% $459
$200,000 to $249,999 709 19.0% $555
$250,000 to $299,999 671 18.0% $680
$300,000 to $399,999 719 20.0% $865

Renters Insurance in Sultan

  • Average Renters Insurance in Sultan :  $173($14/month)

  • Median Gross Rent in Sultan :  $1,125

  • Sultan Renters Insurance to Median Rent Ratio:  1.24%

  • Renter occupied housing units in Sultan :  1,090

Sultan Renters Insurance as a Percentage of Rent

Sultan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 23 2.0% $1243
$500 to $749 188 19.0% $1918
$750 to $999 172 17.0% $2668
$1,000 to $1,499 448 45.0% $3793
$1,500 or more 143 14.0% $5443

Rent Affordability in Sultan:

Approximately 50.0% (552) of households are spending more than 35% of their income on gross rent in Sultan

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 86 7.0%
15.0 to 19.9 percent 148 13.0%
20.0 to 24.9 percent 86 7.0%
25.0 to 29.9 percent 99 9.0%
30.0 to 34.9 percent 119 10.0%
35.0 percent or more 552 50.0%

Protective device discount in Sultan Up to :  $25

Claims-free discount in Sultan Up to :  $34