Vancouver Insurance Rates:

Vancouver, WA home insurance is nearly $506 to $685, about $42-$57/month. Our exhaustive guide reveals consumers can save as much as $238 by comparing multiple quotes

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Research about Vancouver Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Washington. Compare quotes & save.

Vancouver Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $170/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

2 Beds, 2 Bath 1780 sqft Rental Property Constructed In 1996 with Carpet Flooring, Composition Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $200/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

2 Beds, 2 Bath 1260 sqft Primary Residence Constructed In 1981 with Carpet Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Bath 2060 sqft Seasonal Residence Constructed In 2012 with Linoleum, Tile Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2790/6 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $120,000

1 Bed, 1 Bath 662 sqft Primary Residence Constructed In 1980 with Stone Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Vancouver, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98686 $273,600 $610
98683 $261,000 $610
98663 $209,300 $590
98660 $208,000 $590
98661 $207,600 $600
98664 $206,600 $600
98682 $200,700 $590

Vancouver Rates & Quotes Analysis:

Vancouver Area Estimated House Insurance
E 15th St, SE Grand Ridge Dr, NE 19th Ct, T St, SE 202nd Ave, NW 91st Cir, SE 3rd Way, SE 169th Ct, W 43rd St, NE 130th St$598
Chesapeake Dr, Officers Row, NE 126th Pl, Pinecreek, SE 162nd Ave, NW 116th St, NE Delfel Rd, NE 85th Way, SE 160th Pl, Baltimore Way$582
NE May St, NE 96th Way, NE Knollcrest Ave, Santa Fe Dr, Andresen Rd, SE Halyard Ln, SE 193rd Ave, Dayton Ave, NW 113th Cir, SE 99th Ct$584
NE 70th Ct, Jordan Way, SE 201st Ave, E 33rd St, SE 33rd St, NE 146th St, NW 119th St, NE 80th Ave, SE Maxon Rd, NW 142nd Way$590
NW 40th Ave, NW Krieger Rd, NW 189th St, E 32nd St, NW 86th Cir, Grant Pl, NW 146th Cir, NE Tenney Rd, W 22nd St, W 42nd St$636
NE 75th Cir, Mississippi Dr, T St, Columbia Ridge Dr, W 38th St, Birch St, Sheridan Dr, Hillcrest Dr, NE 27th Pl, Virginia Ln$597
NW 56th Way, Michigan St, Unander Ave, NE 32nd Ct, NE 108th Cir, E 28th St, E 36th St, SE Harmony Pl, SE 31st St, NW 46th Ct$606
NW Westgate Ave, Laurel Pl, NE 11th Pl, SE 25th Way, NE Tenny Creek Dr, NE 175th Ave, SE 26th Cir, NW 135th Cir, NW 130th Cir W, SE 99th Ave$626
SE 11th Cir, NW Heermann Dr, E 9th St, NE 1st Ave, SE 158th Ave, SE 140th Ave, Mount Whitney Ave, SE 185th Ct, John Ball Park, SE Cascade Park Dr$604
S Morrison Rd, SE 32nd St, SE Spinaker Way, NW 33rd Ct, Nampa Ct, NE 31st Cir, NW 137th St, NE 40th Pl, SE Hillcrest Dr, NE 82nd Cir$625

Insurance rates are influenced by a number of factors including:

  • Year Built: 20,819 Homes (22% of total homes ) built between 1990 to 1999 in Vancouver are paying home insurance between $858-$867. Places close to Vancouver, WA such as Barberton, Felida, Mount Vista are more expensive by $17, $38, $19 respectively while Orchards and Portland East(OR) are cheaper by $11 and $205 respectively for similar homes.
  • Bedrooms: 37,609 3 bedrooms homes (41% of total homes ) in Vancouver are paying about $346 and varies from Salmon Creek (+$3), Barberton (+$7), Felida (+$15), Hazel Dell (-$3) and Orchards (-$5).
  • Auto Insurance Bundling: 22,734 Households (44% of all households) in Vancouver have 2 vehicles available and when it is bundled with home insurance you can save $119. Discounts for similar bundling in close by locations such as Hazel Dell, Walnut Grove, Minnehaha come to $118, $118, $118 respectively.
  • Senior Discounts: 25,289 seniors (more than 55 years) occupied housing units (49% of total) in Vancouver get discounts between $89 to $91 compared to Hazel Dell ($88), Lake Shore ($89), Salmon Creek ($90).
  • New Homes discounts: New homes such as the 41,417 homes built between 2000 to 2009 in Vancouver can save $119 and similar new home insurance discounts in nearby towns and cities like Hazel Dell, Walnut Grove and Minnehaha are $118, $118 and $118 respectively.

Vancouver Homeowners insurance Facts

  • Vancouver, WA has 51,153 owner occupied houses which is 58.4% of all units whereas Hazel Dell, Walnut Grove and Minnehaha have 59.08%, 63.44% and 74.86% respectively.
  • Vancouver, WA homeowners yearly insurance price at $595 is 0.26% of the typical house value of $232,400 which is in contrast with 0.27% in Hazel Dell, 0.28% at Walnut Grove & 0.28% in Minnehaha.
  • Homeowners in Vancouver, WA pay 3.4% of their income ($15,000 to $19,999) in insurance whereas homeowners in Hazel Dell, Walnut Grove and Minnehaha pay 3.38%, 3.37% and 3.37% respectively.
  • Vancouver, WA’s insurance is 3.0% of monthly housing costs of $1,681/month, for owners with a mortgage compared to 3.0% in Hazel Dell, 3.01% at Walnut Grove & 3.05% in Minnehaha. But, for households without a mortgage, insurance is 10.2% of costs ($486 in Vancouver, WA) in contrast with 10.59% in Hazel Dell, 10.37% at Walnut Grove & 11.12% in Minnehaha.

Vancouver, WA Home Values & Insurance rates

For example, insurance for 2,456 Homes (5.0% of total homes ) valued between Less than $50,000 in Vancouver, WA is about $59. Rates in nearby areas in such as Salmon Creek, Barberton, Mount Vista are cheaper by $5, $11, $11 respectively while Hazel Dell and Walnut Grove are costlier by $6 and $5 respectively for similar homes.

Vancouver, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,456 5.0% $59
$90,000 to $99,999 460 1.0% $238
$100,000 to $124,999 1,483 3.0% $279
$125,000 to $149,999 2,462 5.0% $351
$150,000 to $174,999 4,766 10.0% $410
$175,000 to $199,999 5,240 11.0% $476
$200,000 to $249,999 11,798 25.0% $577
$250,000 to $299,999 8,113 17.0% $702
$300,000 to $399,999 7,689 16.0% $892

Renters Insurance in Vancouver

  • Average Renters Insurance in Vancouver :  $178($14/month)

  • Median Gross Rent in Vancouver :  $878

  • Vancouver Renters Insurance to Median Rent Ratio:  1.59%

  • Renter occupied housing units in Vancouver :  36,460

Vancouver Renters Insurance as a Percentage of Rent

Vancouver Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 492 1.0% $344
$200 to $299 774 2.0% $794
$300 to $499 1,201 3.0% $1244
$500 to $749 8,287 23.0% $1919
$750 to $999 12,718 35.0% $2669
$1,000 to $1,499 9,699 27.0% $3794
$1,500 or more 2,624 7.0% $5444

Protective device discount in Vancouver Up to :  $26

Claims-free discount in Vancouver Up to :  $35