Poulsbo Insurance Rates:

Poulsbo, WA homeowners insurance is approximately $520 to $707, about $43-$58/month. Our in depth analysis indicates shoppers can save as much as $245 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Poulsbo, WA, Best Home Insurance Companies

In Poulsbo, Washington, homeowners pay an average home insurance rate of $863, which is lesser than the national average premium of $1,438. Poulsbo homeowners can narrow down the best home insurance companies by considering various factors. Below are the top 5 home insurance companies in Washington by market share.

Poulsbo_WA_Best_Home_Insurance_Companies

State Farm

State Farm is the most prominent company in Washington, occupying the majority of the market share with 17.01%. The renowned home insurance company has written direct premiums worth $311,354. It has earned direct premiums worth $303,989. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Poulsbo policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 13.70% in Washington. The home insurance company has direct premiums written worth $250,842, and direct premiums earned worth $242,419. A.M.Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D. Power.

Farmers

Farmers is another major player in the insurance segment holding a market share of 10.39% in Washington. The company has direct premiums written for a total value of $219,834. It has earned direct premiums worth $216,145. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current Poulsbo policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.

Allstate

Allstate occupies 9.51% of the home insurance market in Washington. It has written direct premiums of $174,162 and earned direct premiums of $171,396. Allstate has the superior financial ability in granting potential claims of current Poulsbo policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Powers customer feedback survey.

USAA

Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 8.61%. It has direct premiums written worth $157,564, and direct premiums earned worth $151,660. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Poulsbo policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Poulsbo, WA Homeowners Insurance By Home Value

Poulsbo, WA Home Value Total Homes % of Total Average Poulsbo, WA Homeowners Insurance
Less than $50,000 488 5.0% $49
$60,000 to $69,999 108 1.0% $122
$100,000 to $124,999 155 1.0% $214
$125,000 to $149,999 245 2.0% $270
$150,000 to $174,999 336 3.0% $319
$175,000 to $199,999 582 6.0% $368
$200,000 to $249,999 1,682 19.0% $442
$250,000 to $299,999 1,639 19.0% $540
$300,000 to $399,999 3,113 36.0% $687

Top Home Insurance Agents Near Poulsbo, WA

Home Insurance Company Near Poulsbo, WA Homeowners Insurance Agency Near Poulsbo, WA Address
NA Walt Lester Insurance Agency 6511 164Th St Sw, Lynnwood, WA, 98037
Liberty Mutual Independent Basin Insurance Associates Inc 1100 DEXTER AVE N STE 100, SEATTLE, WA, 98109
Allstate Jay Hill 30808 Pacific Hwy S # A, Federal Way, WA, 98003
Travelers Pnw Insurance Group Llc 816 CHERRY AVE UNIT 5B, SUMNER, WA, 98390
Farmers Ronald Osborne 8009 S 180TH ST STE 102, Kent, WA, 98032

Poulsbo, WA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Poulsbo, WA

Streets in Poulsbo Area Homeowners Insurance Cost
NE Virginia Loop Rd, NE Plover Ct, NE Laurie Vei Loop, U Ct, Regin Ct NE, NW Lofall Rd, NE Shorewood Ct, Westridge Ct NW, NW Marvin Ave, Sealion Rd$None
Stottlemeyer NE Rd, Wheeler St NE, Bridge Way NE, S 9th Ave, Schooner Ct, NE Virginia Ct, Norrland Ct, NW Russell St, Growler Cir, Cedar Ln NW$617
Parnell Pl NW, State Rte 104, NE Norrland Ln, NW Norsford Ln, 1st Ave N E, Fir St, NE Marine View Dr, 1st Ave NE, NW Mayfield Blvd, Ash Ave NW$623
Kitsap Ave, NW Norhinkle Ln, NE Norrland Ct, Harris Ave NE, NE Lonetree Ct, NE Hogue Rd, Swanson Way NE, NE Paul Pl, NE Hogue Ct, NE Union St$606
Second St, Hogue Pl NE, Lincoln Pl NE, Prdr, Capelin Dr, Lemolo Shore Dr NE, NW Edvard St, Mount Walker Dr NE, NW Wheeler St, Hemlock St NE$604

Poulsbo, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Poulsbo$91 to $94
Suquamish$88
Keyport$92
Lofall$90

Poulsbo, 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
Suquamish CDP, Washington $74 $99 $148
Keyport CDP, Washington $77 $103 $154
Lofall CDP, Washington $76 $101 $151

Poulsbo, 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
Poulsbo, WA2.8%9.5%
Suquamish3.08%10.7%
Keyport3.0%6.18%
Lofall3.38%11.93%

Poulsbo Renters Insurance as a Percentage of Rent

Poulsbo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 94 2.0% $331
$200 to $299 128 3.0% $781
$300 to $499 187 4.0% $1231
$500 to $749 236 5.0% $1906
$750 to $999 749 18.0% $2656
$1,000 to $1,499 1,941 48.0% $3781
$1,500 or more 654 16.0% $5431

Poulsbo, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Poulsbo Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $12,500$11,000
Net Savings to Poulsbo Home Owner from High Deductible Plan $1,500

Poulsbo, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Poulsbo, WA Home Replacement Value MORE than Home Value Poulsbo, WA Home Replacement Value LESS than Home Value
Replacement Value $436,000 $263,500
Insurance Premium based on Replacement Value $1,475 $900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $88,000 Risk Exposure from Under Insuring Coverage is $84,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $300/year

Example Poulsbo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAmerican Family InsuranceNationwide Insurance
Monthly Premium 905874
Year Built 199619812010
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $350000-$400000$350000-$400000$350000-$400000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 240,000 Asphalt Shingles Roof 1,600 5 $500- $1000 Deductible 150 3 Wood siding No
2010 385,000 Shingles Roof 2,880 5 $2500-$5000 Deductible 450 6 Stone Siding yes
1995 535,000 Wood Shake Roof 2,890 4 $500- $1000 Deductible 660 5 Wood siding yes
1987 450,000 Shingles Roof 2,470 4 $2500-$5000 Deductible 480 8 Stone Siding No
1988 275,000 Wood Shake Roof 1,890 3 $5000 to $10,000 Deductible 110 2 Vinyl siding No
1996 510,000 Membrane Roof 3,330 4 > $10,000 Deductible 260 4 Brick siding yes
1981 210,000 Tile Roof 1,280 3 $2500-$5000 Deductible 230 9 Stone Siding No
1989 270,000 Tile Roof 1,970 3 $2500-$5000 Deductible 160 4 Wood siding No
1989 210,000 Tile Roof 1,340 3 $1000-$2500 Deductible 380 10 Stucco siding yes
1988 430,000 Wood Shake Roof 2,720 5 $5000 to $10,000 Deductible 600 12 Vinyl siding yes
1983 280,000 Composition Roof 1,810 4 $5000 to $10,000 Deductible 290 7 Wood siding No
2001 695,000 Slate Shingles Roof 4,610 5 $5000 to $10,000 Deductible 1320 12 Stone Siding yes
1997 815,000 Metal Roof 4,850 5 $2500-$5000 Deductible 530 5 Stone Siding yes
1983 220,000 Asphalt Shingles Roof 1,720 4 $5000 to $10,000 Deductible 340 8 Stucco siding yes
2014 420,000 Tile Roof 2,350 3 $2500-$5000 Deductible 70 1 Vinyl siding No
1981 515,000 Asphalt Shingles Roof 3,510 5 $5000 to $10,000 Deductible 510 6 Wood siding yes
2010 325,000 Composition Roof 2,550 5 $500- $1000 Deductible 740 10 Stucco siding yes
1987 170,000 Slate Shingles Roof 1,330 3 $500- $1000 Deductible 160 4 Fiber-Cement Siding yes
2004 190,000 Metal Roof 1,450 3 $1000-$2500 Deductible 150 4 Vinyl siding No
1984 415,000 Asphalt Shingles Roof 2,330 3 $5000 to $10,000 Deductible 780 9 Fiber-Cement Siding yes
2010 445,000 Metal Roof 2,580 4 $5000 to $10,000 Deductible 470 9 Brick siding yes
1986 685,000 Wood Shake Roof 4,890 5 $500- $1000 Deductible 860 5 Brick siding yes
2010 510,000 Asphalt Shingles Roof 3,160 4 $1000-$2500 Deductible 560 6 Wood siding yes
2013 400,000 Asphalt Shingles Roof 3,030 5 $500- $1000 Deductible 280 3 Vinyl siding No
2007 165,000 Membrane Roof 1,200 3 $5000 to $10,000 Deductible 70 3 Wood siding No
1980 300,000 Membrane Roof 1,690 3 $1000-$2500 Deductible 260 4 Brick siding yes
1996 275,000 Wood Shake Roof 2,000 3 $500- $1000 Deductible 180 2 Stucco siding yes
2011 585,000 Tile Roof 4,330 5 > $10,000 Deductible 370 5 Brick siding yes
1990 360,000 Shingles Roof 1,950 5 $5000 to $10,000 Deductible 390 10 Stone Siding No
1994 480,000 Asphalt Shingles Roof 2,760 5 $500- $1000 Deductible 620 6 Vinyl siding No
1994 530,000 Tile Roof 3,020 5 $2500-$5000 Deductible 1170 10 Vinyl siding yes
1989 300,000 Metal Roof 2,180 5 $5000 to $10,000 Deductible 310 5 Wood siding No
2013 700,000 Metal Roof 4,080 5 > $10,000 Deductible 520 5 Brick siding yes

Latest Home Insurance Reviews

Allstate
My expiration with the technical service of insurance The Allstate has always worked well, always answer and answer my questions in a short time
Allstate
I would recommend the company purely based on their ease of use for their website, also their agents are there to assist if you need them.
Progressive
They offer good coverage, at decent prices. Thay have been fantastic with the cars, very quick response and no issues.
Allstate
I feel that they are not looking to reduce my rate by any means and that some of the discounts are overlooked and don't allow me to take advantage of.
Farmer's Insurance
What i like about my insurance company is that in comparison to other companies, it provides lower premiums.
Allstate
Very satisfied with the company as a whole. We are just checking around to see if anyone has a better rate, but will probably stick with them.
Safeco Insurance
They are available when needed .If not then they reach back to you in a timely manner. Good customer service to
State Farm
I think that I am getting a decent premium for the coverage I have, but again I am not an insurance expert at all so I am not completely sure
Allstate
I have not had to file a claim yet, but we were advised to keep $1500 in a separate account so that the deductible would already be accessible if something were to happen, so we feel very confident that we will not be in a bind if something was to happen
Allstate
There isn't really much I can say that I dislike about the company. They have several funny commercials and are a household name in this industry so I can't imagine that there are many negative things to say about them.
Farmer's Insurance
Because of all the points I have already illustrated, I would not recommend this company. I have had too many bad experiences.

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