Issaquah, WA Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Issaquah | $96 to $99 |
| Issaquah Plateau | $99 |
| Klahanie | $97 |
| Sammamish | $101 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Issaquah, WA | 2.1% | 6.7% |
| Issaquah Plateau | 2.04% | 6.76% |
| Klahanie | 2.16% | 7.53% |
| Sammamish | 1.97% | 6.53% |
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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $2,100 |
| 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 Insurance | GEICO Insurance | Chubb Group of Insurance |
| Monthly Premium | 53 | 94 | 84 |
| Year Built | 2006 | 1999 | 2013 |
| Home Details | 4 Beds, 1 Baths | 5 Beds, 1 Baths | 3 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 FarmI 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.
ProgressiveI 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 MutualLiberty 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 Farmi feel the deductible is a reasonable amount and trust state farm to be there when you have any problems
GeicoEasy 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.
AllstateToo 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 FarmState 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 FarmI 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 FamilyThe 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 FarmWhat 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.
TravelersThey have great rates. A lot cheaper than most companies. They also provide excellent coverage for my house in case of a claim
AllstateOverall 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 InsuranceI 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.