Kent, WA Home Insurance - Analysis On Quotes, Rates & Agents

Kent, WA Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Kent, WA is $807 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Kent, WA.

Compare Quotes from Top Providers and Save now!

Average Home Insurance Premium in Kent, WA

National Average Premium State Average Premium Kent Average Premium
$1,438 $809 $807

Top Home Insurance Companies in Kent, WA | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Kent, WA

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Safeco $668 $801 $1,042 $1,437
Pemco Insurance $617 $741 $963 $1,328
Vigilant Insurance Company $944 $1,133 $1,473 $2,032
Great Northern $806 $968 $1,258 $1,736

Kent, WA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 246.01
$150,000 To $174,999 378.13
$175,000 To $199,999 505.41
$200,000 To $249,999 612.96
$250,000 To $299,999 840.4
$300,000 To $399,999 1,140.24
$400,000 To $499,999 1,387.06
$500,000 To $749,999 1,775.44
$750,000 To $999,999 2,052.85
$1000,000 To $1499,999 2,260.91
$1500,000 To $2000,000 2,427.36

Visual Guide for Kent, WA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Kent, WA | Back to Top

Home Insurance Company Near Kent, WA Homeowners Insurance Agency Near Kent, WA Address
Travelers Ark Insurance Agency Inc 2915 COLBY AVE STE B, EVERETT, WA, 98201
Farmers Jennifer Dhaliwal 3405 188th St SW Ste 303, Lynnwood, WA, 98037
Farmers Larry Barner 1729 208th St SE Ste 203, Bothell, WA, 98012
Liberty Mutual Independent Olympic Insurance Llc 4705 LACEY BLVD SE STE A, LACEY, WA, 98503

List of Kent, WA Home Insurance Agents by Companies

Kent, WA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Kent, WA who have no previous history of claims filed are eligible for a discount of $96.84. Homeowners in Kent, WA with one claim have to pay an additional home insurance rate of $65, while homeowners with 2 claims have to pay an additional $113 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -97 710
One Claim +65 872
Two Claim +113 920

Kent, WA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
98042 322,700 817
98031 286,100 817
98032 251,200 817

Factors Affecting Home Insurance Premiums in Kent, WA

The average home insurance premium in Kent, WA is $807. There are various factors in Kent, WA that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Kent, WA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 337
3 Bedroom 927
4 Bedroom 1,348
5 Bedroom 1,895

Kent, WA Home Insurance Premiums for Different Deductibles | Back to Top

Kent, WA Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Kent, WA homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 797
$1000 Deductible 721
$1500 Deductible 679
$2000 Deductible 616
$2500 Deductible 579

Kent, WA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Kent, WA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 621
Year 30 Old 819
Year 40 Old 828
Year 50 Old 838
Above Year 50 846

Kent, WA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 105 702
Masonry 40 767
Brick 40 767
Superior 73 734
Hail Resistant Roof 24 783

Top Saving Tips on Kent, WA Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Kent, WA homes built with sturdy materials earn discounts on homeowners insurance. Kent, WA homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Kent, WA senior citizens. Kent, WA homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Kent, WA homeowners can avail to increase their savings.

Kent, WA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 129 678
Retiree Discount (Senior Citizen Discount) 113 920
Newly Constructed Home 186 621

Kent, WA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 73 734
Fire Extinguishers 81 726
Smoke Detectors 73 734
Sprinkler System 81 726
Fire Alarm 73 734
Burglar Alarm 73 734
Lightning Protection 16 791

Latest Home Insurance Reviews

I cannot rate this anything but neutral. I am a homeowner for 10+ years, but we have had AllState this entire time. I do not have an experience to compare their service with.
Liberty Mutual
I have never filed a claim with this company in over 20 years for homeowners so it is hard to comment on their customer service. I would say average.
American Family
I have been with american family for at least 10 years for my car and renters insurance, so when i bought my house 4 years ago i knew i'd continue to use them. then last year i refinanced and decided to see if other places were cheaper. not one place even came close to the amount i pay right now.
American Family
My current insurance is at a higher premium than i would like to pay. i have contemplated looking into my other options for insurance because of the cost of my premiums. i would like to know if i can find a better deal.
Farmer's Insurance
I have been able to get the best healthcare using this insurance company. Whenever I have a health issue, I am not worried that a doctor will not be on my insurance.
my insurance company may be a little higher in premiums but i feel like they provide a better customer service then any other company
State Farm
In some cases like pipe burst, they denied our claim even though we certified and explained in our part. that was a disappointment.
American Family
I don't really use it so I don't have a lot to say about it. When I want information or need to contact them I call the local office.
State Farm
I think State Farm is the best company on the market that cover's house insurance. I've been very satisfied with the positive results.
State Farm
They seem to be enough that I don't get letters from other agencies saying I am insured and if I have to file a claim I have faith they will be there for me.
Farmer's Insurance
I initially liked the lower rates and greater coverage that was offered by farmers. Now I am very satisfied with the customer service end of the business. If I have any issues with my policy I contact my agent. He responds back to me quickly.
State Farm
The company mails out notices when things have changed with my policy or the policy has been paid by my mortgage company. The broker was very friendly when we initially opened the insurance policy.
Safeco Insurance
This is the only insurance company that I have had so I am unaware of what other companies offer. I am interested in learning though. Currently, I use a broker bc it was recommended.
State Farm
they treat you like you are dumb and try to get you off the phone as fast as possible
Sometimes reaching customer service can take too long, I wish more was covered for the price, but that's an issue I have with much insurance these days.
State Farm
The only thing that is dissatisfied with is the amount of money that it costs for my insurance policy. I know that it is not anything personal that it is company policy and determined by the area in which I live.
I like their pricing, coverage, response, interface, multiple ways of contacting them, and their leniency in case of emergencies.
The rates / premiums are great and much cheaper than others. Their customer service has been top notch since day one. I like that the app and website are so helpful that I don't have to call if I need something or have a question.
The Hartford
I would recommend my insurance company because they are cheaper and the deductible is so much cheaper. They are fast with their inspection and to pay out to you to get you life back together
State Farm
They are affordable and very simple to use. They offer me the coverage I need and make it easy to sign up and pay when my bills are due. They seem like an honest company and I have never had an issue with them.
State Farm
There seems to be more of a push to receive correspondence via e-mail, but we have always preferred receiving hard copy items through the mail. Other than that, they are great!
State Farm
great customer service. very competitive rates. able to bundle my home and auto insurance into one monthly payment. awesome agent that I have been with for years
I would recommend Allstate insurance and rate them a 5 because they have impeccable customer service and they are right on the ball with communication back to you.