Everett ,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 Everett, 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 Everett, WA is $1298. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Everett, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Everett, WA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $519 |
| $200,000 | $883 |
| $300,000 | $1,090 |
| $400,000 | $1,661 |
| $500,000 | $2,090 |
Home insurance costs in Everett 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 |
|---|---|
| 098208 | $1,243 |
| 98203 | $1,224 |
| 98205 | $1,219 |
| 98201 | $1,214 |
| 98204 | $1,191 |
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 Everett, WA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,331 |
| $1000 Deductible | $1,190 |
| $1500 Deductible | $1,123 |
| $2500 Deductible | $1,012 |
| $5000 Deductible | $857 |
| Home Insurance Company Near Everett, WA | Homeowners Insurance Agency Near Everett, WA | Address |
|---|---|---|
| NA | United Insurance Brokers, Inc. | 50 116Th Ave Se, #201, Bellevue, WA, 98004 |
| NA | Don Swanson Insurance Inc | 4711 44Th Ave Sw, Seattle, WA, 98116 |
| Allstate | Dee Briscoeray | 16720 116th Ave SE Ste B5, Renton, WA, 98058 |
| Farmers | Erik Granroth Lutcf | 3131 Smokey Point Dr Ste 7, Arlington, WA, 98223 |
| Allstate | Jorge Bermudez | 22035 SE Wax Rd Ste 3, Maple Valley, WA, 98038 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Mukilteo city, Washington | $98 | $130 | $195 |
| Eastmont CDP, Washington | $92 | $123 | $185 |
| Lake Stickney CDP, Washington | $92 | $122 | $183 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Everett, WA | 2.6% | 8.9% |
| Mukilteo | 2.14% | 7.89% |
| Eastmont | 2.34% | 8.68% |
| Lake Stickney | 2.16% | 18.06% |
| Everett Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 612 | 1.0% | $338 |
| $200 to $299 | 770 | 2.0% | $788 |
| $300 to $499 | 993 | 3.0% | $1238 |
| $500 to $749 | 3,710 | 11.0% | $1913 |
| $750 to $999 | 10,715 | 33.0% | $2663 |
| $1,000 to $1,499 | 10,801 | 33.0% | $3788 |
| $1,500 or more | 4,354 | 13.0% | $5438 |
| Streets in Everett Area | Homeowners Insurance Cost |
|---|---|
| Summit Ave, 56th Pl SW, Beverly Blvd, 128th Pl SE, 52nd St, Grandview Dr, Cleveland Ave, 14th Dr W, 69th Pl SE, Commando Rd | $608 |
| Edwards Ave, Warren Ave, Meadow Rd, S 1st Ave, 49th St SW, E Casino Rd, 110th Pl SE, Friday Ave, 46th St SE, 51st St SW | $597 |
| Merrill Creek Pkwy, 155th St SW, 37th St, 113 St SE, 101st Pl SE, Cove Ct, 95th St SE, Pacific Ave, 124th Pl SW, Alki Dr | $650 |
| 45th St SW, 3rd Pl SE, E Intercity Ave, 91st Pl SE, 56th St SW, 115th St SE, Nels Peters Rd, Park Dr, 59th St SW, 126th St SW | $595 |
| 43rd St SE, Crescent Ave, 74th St SW, 109th St SW, Wood Pl, Linden St, 39th St, Sunset Ln, 102nd Pl SW, Highland Rd | $608 |
| Washington Pl SW, 61st Pl SE, 1st Dr W, 126th Pl SW, Timber Hill Dr, Washington Pl, 77th Pl SW, Admirality Dr, 127th St SE, 142nd Pl SW | $646 |
| Jefferson Way, Mukilteo Ln, 123rd St SW, 115th Pl SE, Hillside Ln, 49th Pl SW, Hawthorne St, 107th Pl SE, el Charlee St, Rainier Dr | $655 |
| 86th St SE, Willow Rd, Marino Ave, 136th Pl SW, 42nd St SW, 55th Dr SE, 3rd Dr W, 16th Ave SE, Glenwood Ave, Alden Pl | $605 |
| Magnolia Ave, 117th St SW, Meadow Pl SE, Goat Trail Loop Rd, E Ibberson Dr, 145th St SE, Sharon Crst, Larch St, 5th Dr SE, Railway Ave | $584 |
| 15th Pl W, Washington Ct, Meadow Rd, Bedal Ln, 92nd Pl SE, Panaview Blvd, Monroe Ave, 130th St SW, 17th Pl, Crown Dr | $609 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Everett | $90 to $92 |
| Mukilteo | $97 |
| Eastmont | $92 |
| Lake Stickney | $91 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $1,900 |
| Yearly Everett Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $900 | $1,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,100 | $7,500 |
| Net Savings to Everett Home Owner from High Deductible Plan | $600 | |
| Scenario | Everett, WA Home Replacement Value MORE than Home Value | Everett, WA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $279,000 | $198,500 |
| Insurance Premium based on Replacement Value | $750 | $525 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $38,000 | Risk Exposure from Under Insuring Coverage is $42,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $125/year |
| Insurance Company | Amica Mutual Insurance Company | American Family Insurance | Farmers Insurance |
| Monthly Premium | 57 | 64 | 109 |
| Year Built | 1978 | 1947 | 1987 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $600000-$700000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $5000 to $10,000 Deductible |