Puyallup ,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 Puyallup, 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 Puyallup, WA is $1282. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Puyallup, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Puyallup, WA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $513 |
| $200,000 | $872 |
| $300,000 | $1,077 |
| $400,000 | $1,641 |
| $500,000 | $2,064 |
Home insurance costs in Puyallup 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 |
|---|---|
| 098372 | $1,224 |
| 98371 | $1,212 |
| 98373 | $1,216 |
| 98374 | $1,211 |
| 98375 | $1,204 |
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 Puyallup, WA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,314 |
| $1000 Deductible | $1,176 |
| $1500 Deductible | $1,109 |
| $2500 Deductible | $1,000 |
| $5000 Deductible | $846 |
| Home Insurance Company Near Puyallup, WA | Homeowners Insurance Agency Near Puyallup, WA | Address |
|---|---|---|
| NA | Aaa Insurance Agency-Renton | 3900 E Valley Rd #105, Renton, WA, 98057 |
| Liberty Mutual Independent | Mumma Associates Inc | 11811 NE 1ST ST STE 307, BELLEVUE, WA, 98005 |
| Farmers | Ruth Dalenius | 2112 N 30th St Ste E, Tacoma, WA, 98403 |
| Farmers | Tim Peterson | 33650 6th Ave S Ste 110, Federal Way, WA, 98003 |
| Allstate | Yasmin Manji | 2003 132Nd St Se Ste D, Everett, WA, 98208 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Alderton CDP, Washington | $75 | $100 | $150 |
| North Puyallup CDP, Washington | $72 | $96 | $144 |
| Sumner city, Washington | $75 | $100 | $150 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Puyallup, WA | 2.6% | 8.9% |
| Alderton | 2.65% | 10.68% |
| North Puyallup | 2.8% | 8.39% |
| Sumner | 2.62% | 9.38% |
| Puyallup Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 182 | 1.0% | $338 |
| $200 to $299 | 193 | 1.0% | $788 |
| $300 to $499 | 243 | 1.0% | $1238 |
| $500 to $749 | 1,664 | 9.0% | $1913 |
| $750 to $999 | 5,394 | 30.0% | $2663 |
| $1,000 to $1,499 | 6,958 | 39.0% | $3788 |
| $1,500 or more | 2,799 | 16.0% | $5438 |
| Streets in Puyallup Area | Homeowners Insurance Cost |
|---|---|
| Ammons Ln NE, 127th St Ct E, 65th St SE, 5th Ave NE, 202nd Avenue Ct E, Edwards Rd E, Sumner-Tapps Hwy E, 14th Street Ct E, 9th St SE, Elhi Hill Rd | $619 |
| Valley Ave, 65th St SE, Roberts St NE, 203rd Avenue Ct E, 48th Street Ct E, 8th St SW, Amber Blvd SE, Steward Rd SW, 181st Avenue Ct E, Rainier Dr E | $608 |
| 194th Ave E, Taylor St, 31st St E, Quincy Ave SE, Cedarhurst Rd E, 31st Ave SE, 7th Street Pl SE, 44th Street Ct E, 9th St SE, 77th St E | $584 |
| 30th Street Ct SE, 43rd St SE, Coe Ln, 15th Ave SE, 142nd Avenue Ct E, Harrison St, 26th Ave SW, 227th Avenue Ct E, 176th Ave E, 155th Ave E | $609 |
| 216th Ave E, 110th Avct E, 1st Street Ct E, 10th Ave SE, Acadia Ct, 24th Avenue Ct SE, 191st Avenue Ct E, 107th Ave E, Gipple St NE, 69th St SE | $651 |
| 7th Ave SE, 33rd Ave SE, 87th Street Ct E, McMillan Rd, Connells Prairie Rd, Stuart Ave SE, 57th Avenue Ct E, Crystal Lane Loop SE, Lane Blvd NW, Bluejay Ave SW | $603 |
| Perry Pl SE, Canyon Lands Ct S, Rainier St, Ryan Ave, Hunt Ave, 209th Avenue Ct E, 5th Ave NE, Wilson Dr, Church Lake Rd E, 61st Pl SE | $598 |
| 67th Street Ct E, 30th Ave SW, 23rd Street Ct E, 164th Avenue Ct E, 67th St E, Wahl Rd E, Johns St NE, 136th Street Ct E, 41st Street Pl SE, Olive Ave SE | $606 |
| 72nd Street Ct E, Phoenix Ave SW, 46th Stct E, 89th St Ct E, 131st Avenue Ct E, Riverside Dr E, Hazel Loop SE, Barkubine Rd, S Island Dr E, 27th Avenue Ct NW | $601 |
| 69th St E, 110th Pl E, 12th St SE, 10th Avenue Ct SE, Harman Way S, 110th Ave Ct E, 7th St SW, Wildwood Park Dr, Radke Rd, Steward Rd SE | $653 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Puyallup | $90 to $92 |
| Alderton | $90 |
| North Puyallup | $86 |
| McMillin | $92 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $3,600 |
| Yearly Puyallup Homeowner Insurance Premium Example | $1,200 | $700 |
| Out of Pocket Expense During Claim | $600 | $3,600 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $9,000 | $8,500 |
| Net Savings to Puyallup Home Owner from High Deductible Plan | $500 | |
| Scenario | Puyallup, WA Home Replacement Value MORE than Home Value | Puyallup, WA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $338,000 | $187,500 |
| Insurance Premium based on Replacement Value | $850 | $475 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $76,500 | Risk Exposure from Under Insuring Coverage is $74,000 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $175/year |
| Insurance Company | Allstate | Nationwide Insurance | Farmers Insurance |
| Monthly Premium | 46 | 57 | 173 |
| Year Built | 2006 | 1995 | 1980 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $175000-$200000 | $250000-$300000 | $600000-$700000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $500 Deductible |