Ferndale Insurance Rates:

Ferndale, WA homeowners insurance is roughly $515 to $701, about $42-$58/month. Our detailed research indicates shoppers can save as much as $243 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Nationwide
They will protect your home against damage and theft. if something was to occur, they will bring everything back to normal.
Allstate
While my insurance agent is friendly, and non-pushy, he also doesn't maintain a normal contact. if i have questions regarding my policy, i normally have to get questions answered from someone else in the office because he is unavailable.
Nationwide
Nationwide is a company that's always on your side. they would be there to help you get the help you need.
American Family
I like the availability of an app for on the go needs. I believe it could be more streamlined and user-friendly.
American Family
I am very happy with the service that I get and that would include the communication that I have with them. Always very nice and friendly to me.
Geico
Once when I get a hold of them, they were really helpful and now I understand it. They probably have a lot of customers online and thus it was busy.
Allstate
rates on auto a are a little high but rates on homeowners are pretty low so i balances out
State Farm
I would not recommend this company, the coverage is very poor as to what the amount they will cover. Customer service is horrible, for claims to be processed and completed its takes weeks, with multiple calls asking for the job to be completed

Ferndale, WA Homeowners Insurance By Home Value

Ferndale, WA Home Value Total Homes % of Total Average Ferndale, WA Homeowners Insurance
Less than $50,000 502 7.0% $48
$60,000 to $69,999 123 1.0% $133
$80,000 to $89,999 71 1.0% $176
$125,000 to $149,999 151 2.0% $285
$150,000 to $174,999 354 5.0% $340
$175,000 to $199,999 505 7.0% $395
$200,000 to $249,999 1,534 24.0% $474
$250,000 to $299,999 1,050 16.0% $577
$300,000 to $399,999 1,903 29.0% $735

Top Home Insurance Agents Near Ferndale, WA

Home Insurance Company Near Ferndale, WA Homeowners Insurance Agency Near Ferndale, WA Address
Travelers Blaine Ins Agency Llc 288 MARTIN ST STE 201, BLAINE, WA, 98230
State Farm Brad Methner 1404 E College Way, Mount Vernon, WA, 98273-4102
Travelers R I S Insurance Services 901 24TH ST, ANACORTES, WA, 98221
Liberty Mutual Independent Safe Harbor Insurance 772 MULLIS ST, FRIDAY HARBOR, WA, 98250
Travelers Tradewinds Insurance Inc 31975 Sr 20, Ste 5 Oak Harbor, Oak Harbor, WA, 98277

Cost Of Homeowners Insurance By Street Near Ferndale, WA

Streets in Ferndale Area Homeowners Insurance Cost
Willow Springs Way, Byers Rd, Ridge Ln, Paradise Way, E Kelly Rd, Brent Ln, Roeder St, Nubgaard Rd, Roberts Rd, Keefe Rd$612
Olson Rd, Piper Rd, Matz Rd, Bay Pine Ct, Slater Rd, Maple Ridge Ln, Windgate Dr, Norway Rd, Johnston Rd, Hendrickson Ave$608
Thornton Rd, Foxtail Ct, W 35th Dr, W Pole Ln, 2nd Ave, Pine Pl, Aaron Pl, Crestline St, Orion Way, Pyramid Ln$612
White Swan Ln, Maralee Ln, Hawk Ridge Dr, Silver Star Rd, Wiser Ln, Dinkle Rd, Karper Rd, Hawthorne St, Chasteen Rd, Washington St$633
Joseph Pl, Ariel Ct, Legoe Ave, Pioneer Ct, Malibu Dr, Siddle St, Heritage Ln, Regency Pl, Courtney Ln, Scout Pl$614

Ferndale, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ferndale$90 to $93
Custer$92
Marietta-Alderwood$91
Lummi Reservation$88

Ferndale, 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
Custer CDP, Washington $92 $122 $183
Marietta-Alderwood CDP, Washington $91 $121 $182
Lynden CCD, Whatcom County, Washington $91 $121 $182

Ferndale, 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
Ferndale, WA2.8%11.0%
Custer3.68%10.38%
Marietta-Alderwood3.22%11.84%
Lynden3.1%10.93%

Ferndale Renters Insurance as a Percentage of Rent

Ferndale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 83 3.0% $786
$300 to $499 225 9.0% $1236
$500 to $749 648 26.0% $1911
$750 to $999 756 30.0% $2661
$1,000 to $1,499 571 23.0% $3786
$1,500 or more 165 6.0% $5436

Ferndale, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Ferndale Homeowner Insurance Premium Example $1,000$500
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,500$7,500
Net Savings to Ferndale Home Owner from High Deductible Plan $1,000

Ferndale, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ferndale, WA Home Replacement Value MORE than Home Value Ferndale, WA Home Replacement Value LESS than Home Value
Replacement Value $366,000 $226,500
Insurance Premium based on Replacement Value $1,050 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $83,500 Risk Exposure from Under Insuring Coverage is $56,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $250/year

Example Ferndale Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmerican Family InsuranceFarmers Insurance
Monthly Premium 4711262
Year Built 198320142001
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$400000-$500000$300000-$350000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 265,000 Membrane Roof 2,160 3 $1000-$2500 Deductible 490 10 Wood siding yes
2006 160,000 Tile Roof 1,210 3 $500 Deductible 40 1 Fiber-Cement Siding yes
2010 240,000 Metal Roof 1,650 5 $1000-$2500 Deductible 220 6 Brick siding No
1989 295,000 Slate Shingles Roof 2,260 5 $500 Deductible 60 1 Brick siding yes
1980 245,000 Tile Roof 1,550 3 $500 Deductible 670 12 Vinyl siding yes
2004 285,000 Metal Roof 2,280 5 $2500-$5000 Deductible 330 7 Brick siding No
2007 540,000 Metal Roof 3,240 4 > $10,000 Deductible 890 10 Stucco siding No
1942 725,000 Membrane Roof 4,460 5 $500- $1000 Deductible 1700 8 Stucco siding No
2002 505,000 Tile Roof 3,440 5 > $10,000 Deductible 530 10 Stucco siding No
2005 525,000 Composition Roof 3,460 5 $500- $1000 Deductible 450 4 Stone Siding yes
2012 295,000 Composition Roof 1,900 4 $5000 to $10,000 Deductible 210 6 Stone Siding yes
1980 305,000 Composition Roof 2,030 3 $1000-$2500 Deductible 670 10 Brick siding yes
2003 550,000 Metal Roof 3,520 5 $500- $1000 Deductible 900 8 Wood siding yes
1992 330,000 Asphalt Shingles Roof 2,020 4 $1000-$2500 Deductible 360 6 Fiber-Cement Siding yes
1991 265,000 Slate Shingles Roof 1,860 3 $500- $1000 Deductible 400 9 Wood siding yes
1990 330,000 Shingles Roof 2,520 5 $5000 to $10,000 Deductible 50 1 Vinyl siding No
2012 305,000 Membrane Roof 1,990 4 $5000 to $10,000 Deductible 380 8 Stone Siding yes
1999 240,000 Asphalt Shingles Roof 1,870 3 $2500-$5000 Deductible 230 6 Vinyl siding No
1997 590,000 Shingles Roof 3,720 5 $5000 to $10,000 Deductible 700 7 Stone Siding yes
1986 380,000 Membrane Roof 2,150 3 $5000 to $10,000 Deductible 310 4 Stone Siding yes
1999 210,000 Metal Roof 1,360 3 > $10,000 Deductible 100 4 Brick siding No
2001 320,000 Tile Roof 2,200 3 $5000 to $10,000 Deductible 330 7 Stone Siding No
2012 340,000 Asphalt Shingles Roof 2,050 3 $500 Deductible 340 5 Stone Siding yes
1989 175,000 Tile Roof 1,400 3 $500- $1000 Deductible 280 5 Brick siding yes
2014 275,000 Membrane Roof 1,990 4 $5000 to $10,000 Deductible 320 7 Brick siding No
1984 205,000 Composition Roof 1,210 3 > $10,000 Deductible 170 6 Wood siding No
1991 280,000 Membrane Roof 1,840 5 $500- $1000 Deductible 160 3 Fiber-Cement Siding yes
1995 330,000 Asphalt Shingles Roof 2,490 4 > $10,000 Deductible 40 1 Wood siding yes
2011 315,000 Shingles Roof 2,320 3 $500 Deductible 500 6 Fiber-Cement Siding yes