Issaquah Insurance Rates:

Issaquah, WA homeowners insurance is roughly $545 to $745, about $45-$62/month. Our thorough guide shows customers can save upto $258 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find Affordable Home Insurance in Issaquah, WA

Home insurance is one of the most important types of insurance to have. It protects your home and belongings in the event of damage or theft. Home insurance can also provide liability coverage if someone is injured on your property. Many different home insurance policies are available, so it’s important to work with an experienced agent to find the right one for your needs. Some things to consider when shopping for home insurance include the value of your home, the type of home you have, and the amount of coverage you need. You should also consider whether you need additional coverage for things like jewellery, art, or other valuable items.

The average cost of home insurance in Issaquah, WA, is $1360.  However, the cost of your policy will depend on factors like the value of your home, the amount of coverage you need, and the type of policy you choose. The following steps can help you find the best coverage in Issaquah, Washington, at the best price.

Coverage Level

Home insurance rates in Issaquah, WA, are determined by many factors, but one of the most important is the coverage level you choose. A higher coverage level will typically result in a higher premium, but it will also provide more protection for your home in the event of a covered loss. The coverage you need depends on the value of your home and your personal belongings. If you have a lot of expensive possessions, consider a policy with a higher coverage limit. For instance, Issaquah, Washington homeowners pay $576 for $200,000 in house insurance. In Issaquah, Washington, homeowners generally pay between $230 and $1083 for coverage ranging from $100K to $300K.

Safety Features

As your home becomes more equipped with safety features, you may see a reduction in your home insurance costs. In Issaquah, WA, home insurance companies typically offer a discount for features like smoke detectors, fire extinguishers, and burglar alarms. Some companies may also give a discount if your home is within a certain distance of a fire station. For instance, in Issaquah, Washington, residents with sprinkler systems and smoke detectors pay premiums of $1251 and $1169, respectively.

Claims History

As a general rule, a home's claims history will determine the insurance cost. If a home has had multiple claims filed against it, the insurance company will likely charge a higher premium. On the other hand, if a home has had no claims filed against it, the insurance company will likely charge a lower premium. For instance, homeowners in Issaquah, Washington, must pay a premium of $1183 if they have never filed any claims, but those who have filed one or two claims must pay premiums of $1428 and $1550, respectively. Therefore, avoiding submitting claims is crucial if you want to keep your house insurance prices low.

Issaquah, WA Homeowners Insurance By Home Value

Issaquah, WA Home Value Total Homes % of Total Average Issaquah, WA Homeowners Insurance
Less than $50,000 77 2.0% $32
$125,000 to $149,999 97 2.0% $193
$150,000 to $174,999 230 6.0% $232
$175,000 to $199,999 341 9.0% $270
$200,000 to $249,999 689 19.0% $322
$250,000 to $299,999 558 15.0% $393
$300,000 to $399,999 1,457 41.0% $503

Top Home Insurance Agents Near Issaquah, WA

Home Insurance Company Near Issaquah, WA Homeowners Insurance Agency Near Issaquah, WA Address
NA Columbia Gorge Ins Agency, Inc Dba Freed Ins Group 18008 State Route 410 E Suite D Bonney Lake, Bonney Lake, WA, 98391
Liberty Mutual Independent C Don Filer Agency Inc 5451 BALLARD AVE NW, SEATTLE, WA, 98107
State Farm Neil Strohbusch 12529 Totem Lk Blvd NE, Kirkland, WA, 98034-7205
Travelers Orion Insurance Group Inc 4208 198TH STREET SW STE 201, LYNNWOOD, WA, 98036
Allstate Pete Bouchard 6226 196th St SW Ste 1a, Lynnwood, WA, 98036

Issaquah, WA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Issaquah, WA

Streets in Issaquah Area Homeowners Insurance Cost
182nd Pl SE, 194th Ln SE, NE Eagle Way, 266th Ct SE, NW Stoney Creek Dr, Almak Ct NW, NE Magnolia Ln, 232nd Ct SE, 4th Pl SE, NE Marion Ln$668
170 Pl SE, Oberland Pl NW, Pickering Pl NW, SE 103rd St, SE 105th Pl, SE 59th Pl, Grand Ridge Dr, SE 45th Ln, SE 58th Pl, 205th Ct SE$723
SE Clark St, Village Park Dr SE, 282nd Ave SE, 192nd Ln SE, NE Harrison Dr, NE Kenyon Ct, Sunrise Pl SE, NE Kenilworth Ln, NE Daphne St, SE Black Nugget Rd$662
NE Natalie Way, NE Mulberry St, Oakcrest Dr NW, Matterhorn Pl NW, NW Far Country Ln, SW Clark St, Mount Logan Dr SW, SE 110th St, SE Cougar Mountain Dr, 2nd Ave SE$676
SE 154th Pl, Ridgewood Cir SW, NE Laurel Wood Ln, NE Larkspur Ln, 3rd Ct NW, SE 28 Ct, 172 Ave SE, 221st Ct SE, NW Holly St, SE 65th Pl$667

Issaquah, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Issaquah$96 to $99
Issaquah Plateau$99

Issaquah, 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
Issaquah Plateau CCD, King County, Washington $83 $110 $165
Klahanie CDP, Washington $81 $108 $162
Sammamish city, Washington $85 $113 $169

Issaquah, 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
Issaquah, WA2.1%6.7%
Issaquah Plateau2.04%6.76%

Issaquah Renters Insurance as a Percentage of Rent

Issaquah Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 107 2.0% $310
$200 to $299 50 1.0% $760
$300 to $499 107 2.0% $1210
$500 to $749 297 6.0% $1885
$750 to $999 165 3.0% $2635
$1,000 to $1,499 2,082 42.0% $3760
$1,500 or more 2,083 42.0% $5410

Issaquah, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Issaquah Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,300$7,700
Net Savings to Issaquah Home Owner from High Deductible Plan $600

Issaquah, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Issaquah, WA Home Replacement Value MORE than Home Value Issaquah, WA Home Replacement Value LESS than Home Value
Replacement Value $587,500 $388,500
Insurance Premium based on Replacement Value $1,475 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $97,000 Risk Exposure from Under Insuring Coverage is $102,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $250/year

Example Issaquah Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceChubb Group of Insurance
Monthly Premium 539484
Year Built 200619992013
Home Details 4 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $350000-$400000$500000-$600000$400000-$500000
Deductible > $10,000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 750,000 Composition Roof 3,400 4 $1000-$2500 Deductible 1220 8 Stucco siding No
1981 315,000 Tile Roof 1,570 2 $5000 to $10,000 Deductible 270 6 Fiber-Cement Siding yes
2002 480,000 Wood Shake Roof 2,170 3 $1000-$2500 Deductible 860 8 Stucco siding No
1996 245,000 Membrane Roof 1,410 2 $5000 to $10,000 Deductible 120 3 Vinyl siding No
1983 280,000 Wood Shake Roof 1,500 2 $1000-$2500 Deductible 360 9 Vinyl siding No
2005 945,000 Metal Roof 4,660 5 > $10,000 Deductible 1290 9 Fiber-Cement Siding No
2010 575,000 Shingles Roof 2,620 4 $1000-$2500 Deductible 1500 9 Stone Siding No
1995 360,000 Membrane Roof 2,010 4 $500- $1000 Deductible 950 9 Stone Siding No
1998 360,000 Wood Shake Roof 1,410 3 $2500-$5000 Deductible 590 9 Brick siding No
2013 885,000 Tile Roof 4,490 5 $1000-$2500 Deductible 2120 12 Wood siding yes
1999 405,000 Slate Shingles Roof 1,830 5 $5000 to $10,000 Deductible 50 1 Fiber-Cement Siding yes
2011 510,000 Asphalt Shingles Roof 2,090 3 $5000 to $10,000 Deductible 370 5 Vinyl siding yes
1990 355,000 Shingles Roof 1,660 2 $1000-$2500 Deductible 500 5 Stone Siding No
2011 935,000 Composition Roof 3,810 5 $5000 to $10,000 Deductible 2230 12 Stone Siding yes
1982 545,000 Composition Roof 2,660 4 > $10,000 Deductible 670 6 Stucco siding yes
2003 570,000 Wood Shake Roof 2,250 4 $1000-$2500 Deductible 1150 12 Wood siding yes
2014 455,000 Slate Shingles Roof 1,970 3 $500- $1000 Deductible 1080 10 Vinyl siding No
2006 525,000 Composition Roof 2,150 3 > $10,000 Deductible 400 8 Fiber-Cement Siding No
1999 340,000 Asphalt Shingles Roof 1,650 4 $2500-$5000 Deductible 140 2 Stucco siding yes
1990 315,000 Slate Shingles Roof 1,720 2 $5000 to $10,000 Deductible 140 3 Fiber-Cement Siding yes
2002 715,000 Membrane Roof 3,060 5 > $10,000 Deductible 130 1 Fiber-Cement Siding No
1985 240,000 Shingles Roof 1,150 2 $500 Deductible 140 3 Stucco siding No
1997 1,180,000 Tile Roof 4,930 5 $500 Deductible 1200 6 Brick siding No
1997 280,000 Metal Roof 1,350 2 $2500-$5000 Deductible 150 2 Stucco siding yes
2011 450,000 Tile Roof 2,040 5 $2500-$5000 Deductible 400 5 Fiber-Cement Siding No
1994 265,000 Tile Roof 1,390 2 $1000-$2500 Deductible 320 5 Stucco siding No
2004 770,000 Composition Roof 3,460 5 $500- $1000 Deductible 720 4 Stone Siding No
2010 320,000 Asphalt Shingles Roof 1,620 2 $2500-$5000 Deductible 290 6 Vinyl siding yes
2014 875,000 Slate Shingles Roof 3,720 5 $1000-$2500 Deductible 1490 12 Wood siding No
2012 600,000 Wood Shake Roof 3,440 5 > $10,000 Deductible 830 9 Wood siding No
1991 700,000 Composition Roof 3,670 5 > $10,000 Deductible 900 10 Fiber-Cement Siding yes
2010 615,000 Metal Roof 2,380 4 $500 Deductible 800 7 Vinyl siding No
1983 480,000 Asphalt Shingles Roof 2,280 3 $1000-$2500 Deductible 1100 10 Wood siding No

Latest Home Insurance Reviews

State Farm
I would recommend State farm but be selective at which office you sign up with, in other words, choose the office based on the customer service rating. That's enough about that.
I have been a customer with Progressive for over 15 years and have never had an issue. I so all transactions online but people are available whenever you need them.
Liberty Mutual
Liberty Mutual is the nation’s eighth-largest auto insurer based on direct premiums written. In addition to home and auto insurance, Liberty Mutual offers a vast array of personal and commercial insurance policies.
State Farm
i feel the deductible is a reasonable amount and trust state farm to be there when you have any problems
Easy to add and drop insurance online, don't usually have to call the customer service manytimes for anything. mobile app lets you view insurance cards and pay bill.
Too pricey but it's good most of the time. they do not insure mobile homes which i find hard to believe, but it's their rules.
State Farm
State farm provides extremely comprehensive coverage at the most competitive rates and works with the client to ensure that the most appropriate coverage is provided with no upselling.
State Farm
I like their customer service very much. Whenever I need any help with whatever I don't understand, they're very helpful to help me.
American Family
The premium is about average compared to other Insurances I’ve been quoted, so it's basically the same but American Family is just what I’ve had for so long.
State Farm
What I like about State Farm's website is that it is very user-friendly and easy to navigate. It is also very good for getting answers to questions that I have.
They have great rates. A lot cheaper than most companies. They also provide excellent coverage for my house in case of a claim
Overall I do not like the premiums. I think they could be lower. However, I am willing to pay more and use a company I know then pay less and use a company that may or may not look after my best interests.
American Family Insurance
I would highly recommend American Family Insurance. They have been an excellent choice and I know that if I ever have a claim, I will not have troubles with getting help quickly.

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