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

Allstate
I've found the allstate goodhome report on the website to be helpful when i've had concerns about risks for my home.
Universal Insurance
I wish that we heard from our insurance company. we pay them every month but never get any mail, email, or any contact from them. it doesn't make us feel appreciated as customers.
Allstate
Quick response. i had reported a theft and within a month i had received the total stolen valuables.

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

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
Geneva$94
Sudden Valley$90
Marietta-Alderwood$91

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%
Geneva2.81%9.23%
Sudden Valley2.95%9.3%
Marietta-Alderwood3.22%11.84%

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
Deductible$500$3,500
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
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