Bremerton ,WA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Bremerton, WA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Bremerton, WA is $1269. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Bremerton, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Bremerton, WA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $508 |
| $200,000 | $863 |
| $300,000 | $1,066 |
| $400,000 | $1,624 |
| $500,000 | $2,043 |
Home insurance costs in Bremerton can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 098312 | $1,195 |
| 98311 | $1,198 |
| 98310 | $1,197 |
| 98337 | $1,182 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Bremerton, WA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,301 |
| $1000 Deductible | $1,164 |
| $1500 Deductible | $1,098 |
| $2500 Deductible | $990 |
| $5000 Deductible | $838 |
| Home Insurance Company Near Bremerton, WA | Homeowners Insurance Agency Near Bremerton, WA | Address |
|---|---|---|
| Liberty Mutual Independent | Bell-Anderson Agency Inc | 2949 GRIFFIN AVE STE 101, ENUMCLAW, WA, 98022 |
| Allstate | Dave Keen | 22019 Highway 99 Ste C, Edmonds, WA, 98026 |
| State Farm | Karmin Landry | 31775 State Route 20 Ste B3, Oak Harbor, WA, 98277-5105 |
| State Farm | Lee Ingrim | 4780 Capitol Blvd SE Unit 1, Tumwater, WA, 98501-4497 |
| Travelers | Yele Kerry Tang | 2515 6TH AVE, SEATTLE, WA, 98121 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Erlands Point-Kitsap Lake CDP, Washington | $75 | $99 | $149 |
| Chico CDP, Washington | $79 | $105 | $157 |
| Seabeck CDP, Washington | $79 | $105 | $158 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Bremerton, WA | 2.9% | 10.0% |
| Erlands Point-Kitsap Lake | 3.71% | 10.37% |
| Chico | 2.52% | 8.36% |
| Seabeck | 3.0% | 7.9% |
| Bremerton Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 315 | 1.0% | $342 |
| $200 to $299 | 301 | 1.0% | $792 |
| $300 to $499 | 775 | 4.0% | $1242 |
| $500 to $749 | 2,921 | 17.0% | $1917 |
| $750 to $999 | 4,775 | 28.0% | $2667 |
| $1,000 to $1,499 | 5,760 | 34.0% | $3792 |
| $1,500 or more | 1,833 | 10.0% | $5442 |
| Streets in Bremerton Area | Homeowners Insurance Cost |
|---|---|
| Willow St, Tiger Mission Rd W, Kitty Hawk Dr NW, Holland Rd NW, NE Athens Way, Lobelia Ave NW, Anoka Ave, NE Garinger St, Mallard Ln, Farragut St | $603 |
| Bledsoe Ave, Oyster Bay Ct, NW Newberry Ln, S Marion Ave, Tik Pl, Vincent Way, Aegan Blvd NE, Amethyst Loop NW, NW Ioka Way, NW Dolly Varden Ln | $592 |
| NW Brinkley Ct, NE Aquarius Ln, Hart St NW, Solnae Pl NW, NW Wilkes St, NE Wyoming St, Bristlecone Dr, Broadway Ave, E 32nd St, NE Furneys Ln | $596 |
| E 16th St, Calumet Dr NW, NW Eldorado Blvd, Humphrey St W, Fenner Pl, NE Valley Oak Dr, Harlow Dr NW, Viola Pl W, Hope St, Papoose Pl NE | $616 |
| Front Ave W, NE Towne Ct, NE Wise St, Raptor Ln NW, Silverdale Loop Rd NW, Wright Ct, Vandalia Ave, NE Tracy Ave, Grand Pine Loop NE, Bunker St NW | $594 |
| Overland Trl NW, NE Ocasta St, Kingsway W, NE Mount Olympus Ln, Ridgemont Dr NE, NE Fuson Rd, NE Mulberry Ln, Caymans Pl NE, Shore Pl NW, Taft Ave | $595 |
| Cortez Pl NW, Nels Nelson Rd NW, Cranway Ln NW, Rainier Ave, Dowell Rd, Rocky Point Rd NW, Yoder Ln NE, Sea Scape Ln NW, NE Goldstone Ln, U St | $598 |
| Earendal Ave, Magnuson Ct, Hidden Firs Ln NE, Sylvan Pines Cir, NW Herried Rd, Walnut St, Hoogwerff Rd, Elizabeth Ave, Sundown Dr, Chestnut St | $581 |
| Looney Tune Ln NW, Grandpeak Ln NW, NW Hydrangea St, Thayer Ln NW, Larkin Ln NE, NW Windjammer Ln, NW Stavis Bay Rd, Hewitt Ave, 8th St, Olympic View Rd NW | $608 |
| Bridlevale Blvd NW, Myers Rd, Ridgeway Dr NW, Fidalgo Ct NW, State Hwy 306, Brownsville Hwy NE, NE Benita Pl, NW Harrison Ave NW, NW Myhre Rd, Wembly Ave NE | $603 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Bremerton | $89 to $91 |
| Erlands Point-Kitsap Lake | $89 |
| Chico | $94 |
| Gorst | $90 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $3,000 |
| Yearly Bremerton Homeowner Insurance Premium Example | $1,500 | $1,000 |
| Out of Pocket Expense During Claim | $1,000 | $3,000 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $8,500 | $8,000 |
| Net Savings to Bremerton Home Owner from High Deductible Plan | $500 | |
| Scenario | Bremerton, WA Home Replacement Value MORE than Home Value | Bremerton, WA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $197,000 | $145,000 |
| Insurance Premium based on Replacement Value | $575 | $425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $34,000 | Risk Exposure from Under Insuring Coverage is $18,000 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $100/year |
| Insurance Company | Amica Mutual Insurance Company | Liberty Mutual | Chubb Group of Insurance |
| Monthly Premium | 57 | 58 | 33 |
| Year Built | 1998 | 2008 | 2012 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $250000-$300000 | $150000-$175000 |
| Deductible | $1000-$2500 Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible |