Bellingham Insurance Rates:

Bellingham, WA homeowners insurance is roughly $517 to $701, about $43-$58/month. Our detailed guide indicates shoppers can save as much as $243 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

American Family
I would give them a total of 4 points .Their contribution have been good,as well as their work
State Farm
I would recommend this company and agency locally because I cannot get coverage from the companies I have worked with in the past that had lower rates that I enjoyed in others states.
American Family
I don't like that they want to sell me every other product they have. i only need the home and they want to sell life and auto every time that i go in there.
State Farm
I was looking for some of what my insurance says it provides.I think I might find a better deal somewhere else.I am not satisfied currently.
The company I have now was the best price that I could get with the the coverage that I wanted. They worked with me and made it possible to get what I wanted.
Liberty Mutual
I would rate liberty mutual insurance as a 5 stars in premium and deductible as they have given me many excellent premium and deductible on my policy.
State Farm
Very competitive rates--In fact the best Ive seen and have done some comparison shopping.
Liberty Mutual
I have not filed any claims in over 20 years, and my contact with customer service has been limited. It has been average when it has occurred.
Geico has been a great home insurance company. Their customer service is top notch, they always answer our questions and help us with whatever we need in terms of home insurance.
Farmer's Insurance
I do recommend this company to other people. I think that going through a big company might save you a little money but it's before. If an incident were to occur our agent would follow through and fight for us.
Compared to other insurance companies I think it is one of the best out there, and I believe it is a fair pricing.
My insurance is very much on par with other insurance companies in what it covers. In some ways it is actually more comprehensive to some.
State Farm
I would say right now I would recommend my insurance company or at least my agent as they have held their word on pricing and offerings. Will see what happens if need them if an accident or claim is needed however.
I've found the allstate goodhome report on the website to be helpful when i've had concerns about risks for my home.
Quick response. i had reported a theft and within a month i had received the total stolen valuables.
Liberty Mutual
I have been with them for two years. The website is easy to use even though I rarely use it.
American Family
I had a very negative experience when it came to filing a claim. the company sent an inexperienced adjuster to my home to access a claim and he did not have the knowledge to provide an accurate claim value.
The only thing I do not like is when they do not speak English.
State Farm
There hasn't been anything I’ve disliked so far. They are courteous and professional and are quick to help when I need them. I have yet to have a bad experience.
State Farm
I don't have anything bad to say about State Farm. They have treated me well and I will be with them for the rest of my life.
I do not really have any dislikes about this company currently. If I ever need to use my policy in the future I am confident they will provide quality service.
I personally don't like the website I think is old fashion maybe if they can fix that and include a better service on the app, that would be a good improvement.
What I dislike about this company is that the customer service is not swift sometimes
State Farm
They've taken good care of me in every sense this far, but I haven't had home insurance long and haven't made a claim.
State Farm
Honestly, I have not disliked anything about State Farm thus far. They have always been helpful to my family and myself.
I would recommend the company because of professionalism and the amount of options offered. I like the easy access to Nationwide and the local office as well as online access. Progressive doesn't feel local.
State Farm
I would recommend this company because they are an older more established company that has earned the trust and recognition that you would expect from an insurance company.
Mutual Of Enumclaw
If you have a manufactured home, I recommend Mutual of Enumclaw. They had the best rates for us back in 2006. If you have a regular house, you'll have more insurance options since that market is more competitive. You can have an agent price out MoE but I don't necessarily expect it to have the best rates for you.
State Farm
I do not really have any complaints about State Farm. I have been with them for the entirety of all my insurance needs since I've been 17. They are responsive and involved with my life and I wouldn't trust anyone else.
It's very good I like it too much because they are atententos with customers and do not bother the customer
Farmer's Insurance
The company is reputable and when I have had questions they are helpful.
I have nothing to dislike as I have not had enough contact to dislike anything.
State Farm
I like State Farm Because I like how many discounts I get. I have a bundle deal so that means that my home owners insurance and car insurance are together. I also really like how if I have a question they have an actual physical office that I can go too and get help so it's nice I can actually speak with an actual person face to face. I also enjoy there Smart home monitoring

Bellingham, WA Homeowners Insurance By Home Value

Bellingham, WA Home Value Total Homes % of Total Average Bellingham, WA Homeowners Insurance
Less than $50,000 781 4.0% $48
$50,000 to $59,999 188 1.0% $103
$100,000 to $124,999 459 2.0% $225
$125,000 to $149,999 529 2.0% $286
$150,000 to $174,999 1,023 5.0% $334
$175,000 to $199,999 1,349 7.0% $389
$200,000 to $249,999 4,087 22.0% $468
$250,000 to $299,999 4,183 22.0% $572
$300,000 to $399,999 5,318 29.0% $724

Top Home Insurance Agents Near Bellingham, WA

Home Insurance Company Near Bellingham, WA Homeowners Insurance Agency Near Bellingham, WA Address
Allstate Amy Jensen 1863 Main St Ste 106, Ferndale, WA, 98248
Liberty Mutual Independent Brayer Insurance Services Llc 1501 PARKER WAY STE 108, MOUNT VERNON, WA, 98273
State Farm Jim Harber 3219 Meridian Street, Bellingham, WA, 98225
State Farm Mark Shapiro 9528 State Ave Ste C, Marysville, WA, 98270-2279
Travelers Steve Richardson Insurance Inc 860 SE BAYSHORE DR #202, OAK HARBOR ISLAND, WA, 98277

Bellingham, WA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Bellingham, WA

Streets in Bellingham Area Homeowners Insurance Cost
Meador Ave, Canyon View Rd, Marina Ct, Willow Rd, Alderwood Ave, N Red River Rd, S Parkstone Ct, Alabama St, Mink Ln, Donovan Ave$645
Viewmont Ct, Jasper Ridge Ln, Celia Way, S Clarkwood Dr, Harris Ave, Marigold Dr SE, Kansas St, Loganberry Ln, N Summit Ln, Indiana St$601
W Racine Pl, Overlake Ct, Brandywine Ct, Spring Rd, Padden Hills Ct, Mahogany Ave, Donovan Ave, Oriental Ln, Stoney Creek Ln, E Holly St$601
St Paul Ln, Beaver Ln, E Illinois St, Northwest Ave, Iris Ln, Westerly Rd, Hammer Dr, Brighton Creek Ln, Fieldston Cd, Village Dr$634
N Summit Ln, Rayhorst Rd, Bellis Fair Pkwy, Roland St, Ruth Rd, Cedar Ln, Rhododendron Way, Sumerset Way, Lee Way, Marina Pl$600
Wildflower Way, Clematis Cir, Galbraith Ln, Harris Ave, Alderwood Ave, Lummi Shore Rd, Fraser St, Chuckanut Ave, Pender Dr, N Point Dr$602
Mossop Dr, S College Dr, Geneva St, Whitehorn St, Brookview Pl, Finch Ct, E Pacific View Dr, Britton Rd, Alabama St, Valencia St$596
Pacificview Dr, Wildflower Ct, Cranberry Ct, State Hwy 11, Sweetclover Cir, College St, Heron Point Ln, Jefferson St, Lemon Grove Dr, S 43rd St$617
Ann Ct, Pinewood St, Daniels Ct, E Champion St, Chuckanut Heights Rd, Sunset Dr, Gooseberry Cir, N Garden St, Willow Road Pl, Telegraph Rd$656
Bayview Dr, Plum Ct, Willowbrook Ln, Marina Cir, Virginia St, 17th St, Edwards St, Willowbrook Pl, Division St, Cleator Rd$623

Bellingham, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bellingham$91 to $93
Sudden Valley$90

Bellingham, WA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Geneva CDP, Washington $79 $105 $157
Sudden Valley CDP, Washington $76 $101 $151
Marietta-Alderwood CDP, Washington $76 $101 $152

Bellingham, WA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bellingham, WA3.0%10.2%
Sudden Valley2.95%9.3%

Bellingham Renters Insurance as a Percentage of Rent

Bellingham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 420 2.0% $335
$200 to $299 365 1.0% $785
$300 to $499 1,267 6.0% $1235
$500 to $749 4,774 23.0% $1910
$750 to $999 5,958 29.0% $2660
$1,000 to $1,499 5,019 24.0% $3785
$1,500 or more 2,473 12.0% $5435

Bellingham, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Bellingham Homeowner Insurance Premium Example $2,000$1,400
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,500$13,300
Net Savings to Bellingham Home Owner from High Deductible Plan $1,200

Bellingham, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bellingham, WA Home Replacement Value MORE than Home Value Bellingham, WA Home Replacement Value LESS than Home Value
Replacement Value $286,500 $228,000
Insurance Premium based on Replacement Value $950 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $33,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example Bellingham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmerican Family InsuranceLiberty Mutual
Monthly Premium 453731
Year Built 198919401997
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $250000-$300000$175000-$200000$200000-$250000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Bellingham, WA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 220,000 Metal Roof 1,280 2 $500 Deductible 450 10 Stucco siding yes
1990 555,000 Asphalt Shingles Roof 3,310 4 $2500-$5000 Deductible 290 3 Brick siding No
1983 215,000 Membrane Roof 1,600 3 $1000-$2500 Deductible 320 10 Brick siding yes
1985 210,000 Shingles Roof 1,170 2 $2500-$5000 Deductible 230 7 Wood siding yes
1996 250,000 Asphalt Shingles Roof 1,650 3 $500- $1000 Deductible 160 4 Brick siding yes
1989 285,000 Wood Shake Roof 2,270 3 > $10,000 Deductible 330 7 Stone Siding No
1988 220,000 Wood Shake Roof 1,230 2 $1000-$2500 Deductible 400 10 Fiber-Cement Siding yes
2005 895,000 Composition Roof 5,000 5 > $10,000 Deductible 570 4 Fiber-Cement Siding No
2000 235,000 Shingles Roof 1,830 3 > $10,000 Deductible 170 6 Wood siding yes
1989 415,000 Asphalt Shingles Roof 2,950 5 $5000 to $10,000 Deductible 1040 12 Stucco siding No
2013 730,000 Shingles Roof 4,930 5 $500- $1000 Deductible 470 3 Fiber-Cement Siding No
2010 280,000 Tile Roof 1,550 2 $500- $1000 Deductible 640 10 Vinyl siding No
1985 680,000 Tile Roof 4,750 5 > $10,000 Deductible 1300 12 Brick siding yes
2010 460,000 Tile Roof 2,630 4 $5000 to $10,000 Deductible 830 12 Wood siding No
1949 145,000 Shingles Roof 1,000 2 $500- $1000 Deductible 340 10 Fiber-Cement Siding yes
2014 535,000 Composition Roof 3,900 5 > $10,000 Deductible 60 1 Fiber-Cement Siding yes
1990 340,000 Tile Roof 2,200 4 $1000-$2500 Deductible 70 1 Stucco siding yes
1982 215,000 Wood Shake Roof 1,790 3 $500- $1000 Deductible 680 12 Wood siding yes
2010 150,000 Shingles Roof 1,210 3 $500 Deductible 60 2 Brick siding No
2004 385,000 Tile Roof 2,410 4 $5000 to $10,000 Deductible 690 8 Stone Siding No
1996 380,000 Shingles Roof 2,620 4 $1000-$2500 Deductible 710 10 Wood siding yes
2008 510,000 Wood Shake Roof 3,270 5 $1000-$2500 Deductible 110 1 Stone Siding yes
1945 180,000 Shingles Roof 1,250 3 $500- $1000 Deductible 40 1 Stucco siding yes
2003 450,000 Metal Roof 3,240 4 $5000 to $10,000 Deductible 570 7 Stone Siding No
2007 455,000 Membrane Roof 3,060 4 $500 Deductible 1270 12 Wood siding yes
1985 245,000 Tile Roof 1,790 3 $5000 to $10,000 Deductible 40 1 Brick siding yes
2002 290,000 Asphalt Shingles Roof 1,800 2 $2500-$5000 Deductible 910 12 Vinyl siding No
1985 225,000 Metal Roof 1,660 4 $500- $1000 Deductible 550 9 Brick siding yes
2009 310,000 Metal Roof 2,270 3 $2500-$5000 Deductible 200 5 Stone Siding No
1947 295,000 Composition Roof 2,020 3 > $10,000 Deductible 100 3 Brick siding yes
1970 195,000 Slate Shingles Roof 1,152 2 $500 Deductible 3170 8 Wood siding No

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