Wenatchee Insurance Rates:

Wenatchee, WA home insurance is about $504 to $684, about $42-$57/month. Our extensive analysis reveals consumers can save upto $237 by getting many quotes

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Wenatchee Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $180/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 1540 sqft Seasonal Residence Constructed In 2010 with Wood Flooring, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $630/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1340 sqft Seasonal Residence Constructed In 2001 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of $100-$150,000 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 $70/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

5 Beds, 5 Baths 1580 sqft Seasonal Residence Constructed In 1963 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Male 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

  • Guests at home

Home Insurance Rate of $660/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $700,000

5 Beds, 5 Baths 4780 sqft Vacation Property Constructed In 1990 with Linoleum, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $400/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

5 Beds, 5 Baths 2430 sqft Seasonal Residence Constructed In 1960 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Male who is Retired with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $880/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 2510 sqft Rental Property Constructed In 1992 with Linoleum, Metal Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $250/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1170 sqft Rental Property Constructed In 1967 with Wood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $830/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 1960 sqft Seasonal Residence Constructed In 1997 with Wood Flooring, Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 1740 sqft Vacation Property Constructed In 1973 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1270/2 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1062 sqft Primary Residence Constructed In 1932 with Hardwood Flooring, Tile Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Wenatchee, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98801 $234,300 $600

Wenatchee Rates & Quotes Analysis:

Wenatchee Area Estimated House Insurance
N Emerson Ave, North Rd, Wellington Pl, Circle St, Somerset Dr, Castle Heights Dr, Gellatly Ave, Chapman Dr, Lowe St, Number 2 Canyon Rd$600
Central Ave, Chatham Hill Rd, Robinswood Ct, N Buchanan Ave, N Marie Ave, Trisha Way, Helper Dr, S Cashmere St, Story Ln, Stevens St$582
School St, S Viewdale St, Dogwood Ln, Marr St, Okanogan Ave, Marilane Dr, Swakane Rd, Summercreek Pl, Lars Ln, N Harvard Ave$602
Amherst Ave, Martin Pl, W Mountain Brook Ln, Douglas St, Tyler St, Simmons St, Welch Ave, N Harbel St, Spokane St, Marjo St$582
S Chelan St, State Rte 285, E Mountain Brook Ln, S Chelan Ave, S Monroe St, Kittitas St, Horselake Rd, Austin Ave, Clark Dr, Pearview Cir$582

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,319 Homes (14% of total) built between 1990 to 1999 in Wenatchee are paying home insurance between $857-$866 compared to Sunnyslope (+$41), Cashmere (+$11), Malaga (+$26), South Wenatchee (-$32) and Rock Island (-$36).
  • Bedrooms: 4,439 2 bedrooms homes (28% of total homes ) in Wenatchee are paying about $268. Areas near to Wenatchee such as Sunnyslope, Cashmere, Malaga are costlier by $13, $3, $8 respectively whereas South Wenatchee and Rock Island are more economical by $10, $6 respectively for similar homes.
  • Auto Insurance Bundling: 2,463 Households (27% of all households) in Wenatchee have 3 or more vehicles available and when it is bundled with home insurance you can save $148 compared to Sunnyslope ($155), South Wenatchee ($143), Cashmere ($150).
  • Senior Discounts: 4,685 seniors (more than 55 years) occupied housing units (52% of total) in Wenatchee get discounts between $88 to $91. The comparative concessions in proximate regions such as Sunnyslope, South Wenatchee and Cashmere are $93, $85 and $90 respectively.
  • New Homes discounts: New homes such as the 6,695 homes built between 2000 to 2009 in Wenatchee can save $118 in contrast with Sunnyslope ($124), South Wenatchee ($114), Cashmere ($120).

Wenatchee Homeowners insurance Facts

  • Wenatchee, WA has 8,891 owner occupied houses which is 61.6% of all units whereas Sunnyslope, South Wenatchee and Cashmere have 83.31%, 55.36% and 75.21% respectively.
  • Wenatchee, WA homeowners yearly insurance price at $594 is 0.26% of the typical house value of $229,300 which is in contrast with 0.18% in Sunnyslope, 0.42% at South Wenatchee & 0.23% in Cashmere.
  • Homeowners in Wenatchee, WA pay 1.4% of their income ($40,000 to $44,999) in insurance whereas homeowners in South Wenatchee, Cashmere and East Wenatchee pay 1.35%, 1.42% and 1.4% respectively.
  • Wenatchee, WA’s insurance is 3.5% of monthly housing costs of $1,424/month, for owners with a mortgage compared to 2.65% in Sunnyslope, 4.97% at South Wenatchee & 3.66% in Cashmere. But, for households without a mortgage, insurance is 12.3% of costs ($403 in Wenatchee, WA) in contrast with 12.98% in Sunnyslope, 8.05% at South Wenatchee & 16.13% in Cashmere.

Wenatchee, WA Home Values & Insurance rates

For example, insurance for 830 Homes (10.0% of total homes ) valued between $150,000 to $174,999 in Wenatchee, WA is about $415. Rates in nearby areas in such as Sunnyslope, Cashmere, Malaga are cheaper by $129, $48, $91 respectively while East Wenatchee and Rock Island are costlier by $6 and $330 respectively for similar homes.

Wenatchee, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 510 6.0% $59
$90,000 to $99,999 139 1.0% $243
$100,000 to $124,999 446 5.0% $279
$125,000 to $149,999 558 7.0% $350
$150,000 to $174,999 830 10.0% $415
$175,000 to $199,999 1,069 13.0% $481
$200,000 to $249,999 1,272 16.0% $582
$250,000 to $299,999 1,478 19.0% $712
$300,000 to $399,999 1,281 16.0% $902

Renters Insurance in Wenatchee

  • Average Renters Insurance in Wenatchee :  $182($15/month)

  • Median Gross Rent in Wenatchee :  $756

  • Wenatchee Renters Insurance to Median Rent Ratio:  1.98%

  • Renter occupied housing units in Wenatchee :  5,536

Wenatchee Renters Insurance as a Percentage of Rent

Wenatchee Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 69 1.0% $345
$200 to $299 93 1.0% $795
$300 to $499 591 11.0% $1245
$500 to $749 1,884 35.0% $1920
$750 to $999 1,454 27.0% $2670
$1,000 to $1,499 872 16.0% $3795
$1,500 or more 397 7.0% $5445

Rent Affordability in Wenatchee:

Approximately 35.0% (1,990) of households are spending more than 35% of their income on gross rent in Wenatchee

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 762 13.0%
15.0 to 19.9 percent 786 14.0%
20.0 to 24.9 percent 720 13.0%
25.0 to 29.9 percent 633 11.0%
30.0 to 34.9 percent 645 11.0%
35.0 percent or more 1,990 35.0%

Protective device discount in Wenatchee Up to :  $27

Claims-free discount in Wenatchee Up to :  $36