Kent ,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 Kent, 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 Kent, WA is $1290. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Kent, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Kent, WA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $516 |
| $200,000 | $877 |
| $300,000 | $1,084 |
| $400,000 | $1,651 |
| $500,000 | $2,077 |
Home insurance costs in Kent 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 |
|---|---|
| 098042 | $1,237 |
| 98031 | $1,231 |
| 98032 | $1,211 |
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 Kent, WA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,323 |
| $1000 Deductible | $1,183 |
| $1500 Deductible | $1,116 |
| $2500 Deductible | $1,006 |
| $5000 Deductible | $851 |
| Home Insurance Company Near Kent, WA | Homeowners Insurance Agency Near Kent, WA | Address |
|---|---|---|
| NA | Alliance West Insurance Inc | 9115 Bridgeport Way Sw Ste 2, Lakewood, WA, 98499 |
| 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 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Lakeland North CDP, Washington | $91 | $121 | $182 |
| Des Moines city, Washington | $91 | $121 | $182 |
| Fairwood CDP (King County), Washington | $93 | $124 | $186 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Kent, WA | 2.6% | 8.7% |
| Lakeland North | 2.64% | 7.37% |
| Des Moines | 2.52% | 9.05% |
| Fairwood | 2.41% | 7.69% |
| Kent Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 227 | 1.0% | $337 |
| $200 to $299 | 214 | 1.0% | $787 |
| $300 to $499 | 506 | 2.0% | $1237 |
| $500 to $749 | 2,299 | 13.0% | $1912 |
| $750 to $999 | 5,697 | 32.0% | $2662 |
| $1,000 to $1,499 | 6,089 | 34.0% | $3787 |
| $1,500 or more | 2,425 | 13.0% | $5437 |
| Streets in Kent Area | Homeowners Insurance Cost |
|---|---|
| SE 211th Pl, S 220th Pl, 112th Ct SE, Railroad Ave S, Kensington Ave, SE 287th St, SE 279th Ct, Alder Ln, S 266th St, 126th Ct SE | $597 |
| SE 247th St, E Walnut St, E Maple St, S 220th Ln, S 241st St, 131 Ave SE, 92nd Pl S, S 231st Pl, 96th Ave S, S 170th St | $618 |
| 99th Pl S, SE 201st Pl, 103rd Ave SE Prvt, Central Pl S, SE 294th St, SE 284th Ct, SE 306th St, S 239th St, 223rd Ln SE, SE 233rd St | $595 |
| SE 222nd Ct, SE 202nd Pl, SE 295th St, Pacific Pl, N Lincoln Ave, SE 201st St, E Willis St, S 204th Ct, S Reith Rd, 110th Ct SE | $616 |
| SE 180th Pl, S 241st St, Washington Ave S, SE 238th Pl, SE 274th St, 118th Ct SE, SE 240th Way, 114th Ct SE, E Smith St, SE 231st Ct | $604 |
| S 289th Pl, S 261st Pl, Covington-Sawyer Rd, S Glacier St, 138th Ln SE, Woodland Way S, 76th Ave S, SE 235th Pl, 111th Way SE, Carnaby Way | $606 |
| S 46th Pl, S 253rd Pl, S 167th St, SE 286th Ct, SE 253rd Ct, 235th Way SE, 15th Pl S, SE 284 St, SE 282nd Pl, 126th Ct SE | $607 |
| 195th Ave SE, 240th Ln SE, S 257th Pl, S 239th St, 47 Ct S, S 264th St, Peach Ln, S 228th Pl, E Hemlock St, Prospect Ave N | $603 |
| SE 201st St, SE 329th St, 135th Ln SE, 85th Pl S, S 259th St, S 214th Pl, S 203rd Pl, W Morton St, SE 210th Pl, 184th Pl SE | $621 |
| W Saar St, SE 302nd St, S 261st St, SE 213th Pl, SE 204th Pl, Hanging Gardens Park Access Rd, SE 187th Pl, 119th Dr SE, S 246th St, Canyon Dr | $588 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Kent | $90 to $93 |
| Lakeland North | $90 |
| Fairwood | $93 |
| Covington | $91 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $3,000 |
| Yearly Kent Homeowner Insurance Premium Example | $1,100 | $700 |
| Out of Pocket Expense During Claim | $1,000 | $3,000 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $8,700 | $7,900 |
| Net Savings to Kent Home Owner from High Deductible Plan | $800 | |
| Scenario | Kent, WA Home Replacement Value MORE than Home Value | Kent, WA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $343,500 | $252,500 |
| Insurance Premium based on Replacement Value | $1,025 | $750 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $41,000 | Risk Exposure from Under Insuring Coverage is $50,000 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $125/year |
| Insurance Company | Nationwide Insurance | American Family Insurance | GEICO Insurance |
| Monthly Premium | 42 | 88 | 92 |
| Year Built | 1975 | 1985 | 2010 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $400000-$500000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |