Yakima Insurance Rates:

Yakima, WA home insurance is approximately $493 to $666, about $41-$55/month. Our detailed research reveals consumers can save as much as $232 by comparing many quotes

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Yakima Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $300/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 960 sqft Vacation Property Constructed In 2009 with Wood Flooring, Membrane Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1050/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Bath 3240 sqft Seasonal Residence Constructed In 1999 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $60/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1780 sqft Rental Property Constructed In 1966 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1910 sqft Primary Residence Constructed In 1942 with Wood Flooring, Membrane Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Female 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

  • 750-799 Credit Score

Home Insurance Rate of $400/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 3100 sqft Rental Property Constructed In 2011 with Wood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $500/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Bath 2980 sqft Rental Property Constructed In 2013 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female 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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $6830/7 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 2785 sqft Primary Residence Constructed In 2007 with Stone Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Yakima, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98902 $141,400 $580

Yakima Rates & Quotes Analysis:

Yakima Area Estimated House Insurance
Lila Ave, S 24th Ave, Wilcox Rd, E Mead Ave, Ashbrooks Way, Rankin View Rd, Cook Hill Rd, Douglas Dr, Garden Terrace Ln, Swan Ave$582
Briarwood Dr, S 25th Ave, Ledwich Ave, Orchard, S 86th Pl, Morningside Dr, Cut Off Rd, W Kenny Dr, Terrace, Fairbanks Ave$584
N 31st Ave, W Goodlander Rd, Alpine Way, E Alder St, Pence Rd, Wyman Dr, N Pierce Ave, Ayon Ln, W 5th Ave, Queen Ave$580
E H St, Mary Way, Meadowbrook Rd, W Walnut Ave, Pacific Ave, Susan Ave, N 22nd Ave, Joyce Pl, Estes Rd, N 48th Ave$598
Warrior Rd, N Johnson Rd, State Rte 823, W Bonnie Doon Ave, Drake Ct, McGonagle Rd, Abbess Ln, Simpson Ln, Covington Ln, White Bluffs Pl$591
N 20th Ave, Lynn Pl, E Central Ave, N 24th Ave, Woodward Way, Rodgers Rd, Maclaren St, N 7th Ave, Hall Ave, Taylor Loop Rd$591
W Arlington St, Riddle Rd, Fechter Rd, Zimmerman Rd, S 71st Ave, Sommerset Rd, Martin Luther King Jr Blvd, N 94th Ave, Garden Ave, W Rutherford Rd$598
W Meadow Ln, Marylin Dr, S Naches Ave, Speyers Rd, S Brown Ln, N 28th St, Cottonwood Rd, W Pine St, Dixie Dr, Laurel St$587
Hillcrest Dr, Glenside Ct, Terry Ln, Pecks Canyon Rd, N Sky Vista Ave, N 7th St, W King Ct, E Scenic Crest Rd, Perry Ct, W Haven Way$585
Green Acres Ln, W Whatcom St, Cowiche Canyon Rd, Titleist Ln, N 9th Ave, N Rushmore Rd, John Paul Dr, S 121st Ave, Spring Creek Rd, Reed Ln$587

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,828 Homes (18% of total homes ) built between 1970 to 1979 in Yakima are paying home insurance between $940-$949. Places close to Yakima, WA such as Summitview, Cowiche, Nile are more expensive by $72, $33, $93 respectively while Eschbach and Tieton are cheaper by $35 and $24 respectively for similar homes.
  • Bedrooms: 16,356 2 bedrooms homes (31% of total homes ) in Yakima are paying about $267. Areas near to Yakima such as Summitview, Cowiche, Kittitas are costlier by $21, $3, $11 respectively whereas Eschbach and Selah are more economical by $9, $4 respectively for similar homes.
  • Auto Insurance Bundling: 10,414 Households (34% of all households) in Yakima have 3 or more vehicles available and when it is bundled with home insurance you can save $145. Discounts for similar bundling in close by locations such as Gleed, Eschbach, Summitview come to $145, $139, $156 respectively.
  • Senior Discounts: 15,257 seniors (more than 55 years) occupied housing units (50% of total) in Yakima get discounts between $86 to $89 in contrast with Gleed ($87), Eschbach ($83), Summitview ($93).
  • New Homes discounts: New homes such as the 20,404 homes built between 2000 to 2009 in Yakima can save $116 and similar new home insurance discounts in nearby towns and cities like Gleed, Eschbach and Summitview are $116, $111 and $124 respectively.

Yakima Homeowners insurance Facts

  • Yakima, WA has 30,418 owner occupied houses which is 61.0% of all units whereas Gleed, Eschbach and Summitview have 86.66%, 92.0% and 89.76% respectively.
  • Yakima, WA homeowners yearly insurance price at $580 is 0.35% of the typical house value of $167,300 which is in contrast with 0.35% in Gleed, 0.69% at Eschbach & 0.18% in Summitview.
  • Homeowners in Yakima, WA pay 3.31% of their income ($15,000 to $19,999) in insurance whereas homeowners in Gleed, Selah and Cowiche pay 3.31%, 3.33% and 3.43% respectively.
  • Yakima, WA’s insurance is 3.7% of monthly housing costs of $1,325/month, for owners with a mortgage compared to 3.28% in Gleed, 3.68% at Eschbach & 2.42% in Summitview. But, for households without a mortgage, insurance is 11.5% of costs ($419 in Yakima, WA) in contrast with 12.85% in Gleed, 5.59% at Eschbach & 13.16% in Summitview.

Yakima, WA Home Values & Insurance rates

For example, insurance for 4,279 Homes (14.0% of total homes ) valued between $150,000 to $174,999 in Yakima, WA is about $562. Rates in nearby areas in such as Summitview, Selah, Terrace Heights are cheaper by $282, $49, $44 respectively while Ahtanum and Naches are costlier by $64 and $76 respectively for similar homes.

Yakima, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,601 9.0% $81
$50,000 to $59,999 371 1.0% $179
$60,000 to $69,999 449 1.0% $220
$70,000 to $79,999 904 3.0% $255
$80,000 to $89,999 1,129 3.0% $290
$90,000 to $99,999 1,102 3.0% $324
$100,000 to $124,999 2,723 9.0% $377
$125,000 to $149,999 2,964 10.0% $475
$150,000 to $174,999 4,279 14.0% $562
$175,000 to $199,999 3,322 11.0% $649
$200,000 to $249,999 3,728 13.0% $777
$250,000 to $299,999 2,376 8.0% $951
$300,000 to $399,999 2,582 9.0% $1212

Renters Insurance in Yakima

  • Average Renters Insurance in Yakima :  $221($18/month)

  • Median Gross Rent in Yakima :  $739

  • Yakima Renters Insurance to Median Rent Ratio:  2.44%

  • Renter occupied housing units in Yakima :  19,434

Yakima Renters Insurance as a Percentage of Rent

Yakima Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 365 1.0% $355
$200 to $299 412 2.0% $805
$300 to $499 2,353 12.0% $1255
$500 to $749 6,483 34.0% $1930
$750 to $999 4,812 25.0% $2680
$1,000 to $1,499 3,069 16.0% $3805
$1,500 or more 1,086 5.0% $5455

Protective device discount in Yakima Up to :  $33

Claims-free discount in Yakima Up to :  $44