Spokane Valley Insurance Rates:

Spokane Valley, WA homeowners insurance is about $495 to $670, about $41-$55/month. Our exhaustive analysis shows customers can save as much as $233 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
It is very good and satisfying.They are very pleased to answer us.
American Family Insurance
the all consumers will be matched to provider that is able to the supply advertised rates we cannot specific homes insurance rate policy
State Farm
I love that state farm was there for me during my car crash, and they covered the bulk of the costs.
Allstate
Sometimes the agent doesn't get back to me in time, but i feel that's probably because my agent as stepped away and they know i prefer him.
Farmer's Insurance
After filing my claims i always receive my funds in a quick and timely manner as to not disturb previous appointments and obligations.
Geico
I can't really say I have any dislike at the moment. We only have this insurance for 3 years and so far our questions answered to our satisfaction.
Progressive
We researched several different companies when we were purchasing a homeowners policy. We did find that for our needs Progressive offered the best price, and we've not had any complaints working with them as a company. I would guess that Progressive is better than the other companies when it comes to our needs.
Farmer's Insurance
They tried to sell me life insurance and really did not sell me on the idea, seemed more like a money making adventure on the life insurance bundle
Progressive
The customer service is sup bar. They don't reach out to us and send us our information that should arrive every 6 months. We have to call them as ask them if we need something. And if something is expiring they don't even tell us they let us go around expired.
State Farm
I like that it is easy to use and simple and quick to contact a representative when needed. Everything on the website is where it is expected to be.
Allstate
They messed up my payments in the beginning and I had to call multiple times to get it fixed. Because of this, my escrow account was messed up, and now my monthly mortgage payment is higher than it was supposed to be, so not very happy with them actually.
Progressive
My deductible is $1,000 which is pretty high but I can handle it and the premium was $100 year less than other insurance companies.
State Farm
I would prefer the deductible to lower that what it is. I have not really made any comparisons as of yet.
Farmer's Insurance
our premium is very low and our deductible is only 100 dollars, which is great, we only pay once a year and our bill is almost half of what other companies wanted to charge

Spokane Valley, WA Homeowners Insurance By Home Value

Spokane Valley, WA Home Value Total Homes % of Total Average Spokane Valley, WA Homeowners Insurance
Less than $50,000 1,238 5.0% $75
$50,000 to $59,999 251 1.0% $169
$80,000 to $89,999 497 2.0% $274
$90,000 to $99,999 519 2.0% $303
$100,000 to $124,999 1,596 7.0% $355
$125,000 to $149,999 2,485 10.0% $443
$150,000 to $174,999 3,990 17.0% $524
$175,000 to $199,999 3,861 17.0% $606
$200,000 to $249,999 4,547 20.0% $728
$250,000 to $299,999 2,036 8.0% $891
$300,000 to $399,999 1,373 6.0% $1131

Top Home Insurance Agents Near Spokane Valley, WA

Home Insurance Company Near Spokane Valley, WA Homeowners Insurance Agency Near Spokane Valley, WA Address
State Farm Sue Breesnee 724 N Highway 41 Ste A, Post Falls, ID, 83854-4977
NA Erwin C Markhart Insurance 9321 N Government Way, Ste E, Hayden, ID, 83835
Liberty Mutual Independent All Lines Insurance Inc 616 E 3RD AVE, SPOKANE, WA, 99202
Allstate Drew Hodgson 3009 S Grand Blvd Ste B2, Spokane, WA, 99203
Travelers Fairbanks Taylor & Hubbard Inc 17 S MAIN AVE, DEER PARK, WA, 99006

Spokane Valley, WA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Spokane Valley, WA

Streets in Spokane Valley Area Homeowners Insurance Cost
N Kath Rd, S Fairfax Ln, E Aspen Ln, Moen St, N Timberlane Cir, N Arden Rd, N Morrison Rd, Calvin Ln, S Holiday Rd, N Woodside Ln$610
S McMillan Rd, N St Charles Rd, N Felts Rd, N Beige St, E Echo Glen Ln, N Harmony Ln, S Morrill Ct, N Warren Rd, N Martinson St, S Darcy Dr$579
N Stout Rd, S Stark Ln, E Wisconsin Ave, N Salmon River Ln, E 22nd Ct, E Temple Rd, N Idaho Rd, N Woodruff Rd, E Union Ave, S Skyline Pl$567
S Rees Ln, S High Way Ct, N Bates Rd, S Sullivan Rd, E Southwood Ln, E 9th Ct, E Olympic, E 12th Ct, S Lloyd St, S Bannen Rd$585
S Arc St, S Sargent Rd, E 14th Ct, S Fawn Dr, N Donwood Rd, N Skipworth Rd, S Eden Ln, Apollo, E 7th Ln, E Rosemont Ln$607
E Shannon Ave, N Davis Rd, N Potomac Ln, S Rotchford Dr, E Morris Rd, E Michielli Ln, E Jackson Dr, N McDonald Rd, E Hauser Lake Branch Rd, N Rose Valley Ln$604
E Thorpe Rd, N Rudolf Rd, S Robinhood St, E Olympic Ct, Valley Ridge Ln, S Conifer Ct, S Whipple Rd, S Woodward Rd, S Glenrose Frontage Rd, E McMillan Ct$610
S Southview Ln, S Low Bowdish Ct, S Morrill St, S Flora Rd, N Drummond Rd, E 51st Ln, N McCabe Rd, N Oberlin Rd, N Tschirley Rd, E Shannon Ave$621
S Steen Ln, E Henry Rd, E Cooper Rd, E Parkwater Ave, N Beige Rd, E Lincoln Dr, N Calvin Rd, Bella Vista Dr, N Van Marter Rd, S North Morrill Ct$579
S Saltese Lake Rd, S Pierce Rd, 32nd Ln, S Wardson St, E 18th Ct, E Christine Ln, E 21st Ct, E Sinto Ln, E 17th Ct, S Dale Rd$585

Spokane Valley, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Spokane Valley$87 to $89
Millwood$87
Liberty Lake$88
Valleyford$94

Spokane Valley, 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
Millwood city, Washington $87 $116 $174
Spokane CCD, Spokane County, Washington $87 $116 $174
Liberty Lake CCD, Spokane County, Washington $89 $118 $177

Spokane Valley, 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
Spokane Valley, WA3.6%12.1%
Millwood4.0%12.72%
Spokane3.6%11.46%
Liberty Lake3.38%9.54%

Spokane Valley Renters Insurance as a Percentage of Rent

Spokane Valley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 326 2.0% $803
$300 to $499 1,151 8.0% $1253
$500 to $749 4,851 37.0% $1928
$750 to $999 3,892 29.0% $2678
$1,000 to $1,499 2,010 15.0% $3803
$1,500 or more 766 5.0% $5453

Spokane Valley, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$3,600
Yearly Spokane Valley Homeowner Insurance Premium Example $1,600$1,000
Out of Pocket Expense During Claim$600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,800$10,600
Net Savings to Spokane Valley Home Owner from High Deductible Plan $1,200

Spokane Valley, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Spokane Valley, WA Home Replacement Value MORE than Home Value Spokane Valley, WA Home Replacement Value LESS than Home Value
Replacement Value $247,500 $177,000
Insurance Premium based on Replacement Value $750 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,500 Risk Exposure from Under Insuring Coverage is $51,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $75/year

Example Spokane Valley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateFarmers Insurance
Monthly Premium 332334
Year Built 196420101987
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$125000-$150000$175000-$200000
Deductible $500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 170,000 Tile Roof 2,000 4 $500 Deductible 150 3 Vinyl siding No
1963 190,000 Metal Roof 1,760 2 $5000 to $10,000 Deductible 290 10 Wood siding No
2012 345,000 Slate Shingles Roof 3,070 4 $2500-$5000 Deductible 330 8 Stone Siding yes
1995 260,000 Asphalt Shingles Roof 2,150 3 > $10,000 Deductible 220 8 Fiber-Cement Siding No
1999 195,000 Slate Shingles Roof 1,750 5 $1000-$2500 Deductible 160 3 Wood siding No
1980 160,000 Tile Roof 1,460 3 $5000 to $10,000 Deductible 170 6 Fiber-Cement Siding No
1986 205,000 Membrane Roof 1,950 3 $500 Deductible 370 8 Stucco siding yes
1993 205,000 Metal Roof 1,730 3 $500 Deductible 380 12 Stone Siding No
2008 195,000 Tile Roof 1,610 3 $5000 to $10,000 Deductible 50 2 Stucco siding No
1989 245,000 Composition Roof 2,020 5 $500 Deductible 680 12 Stucco siding No
1986 185,000 Asphalt Shingles Roof 2,100 5 $500- $1000 Deductible 140 3 Wood siding No
2010 240,000 Tile Roof 2,350 3 $5000 to $10,000 Deductible 240 5 Vinyl siding yes
1969 305,000 Composition Roof 3,290 4 $2500-$5000 Deductible 470 9 Wood siding yes
2013 165,000 Membrane Roof 1,430 2 $1000-$2500 Deductible 140 4 Brick siding No
2001 475,000 Shingles Roof 4,580 5 $500 Deductible 810 6 Wood siding No
2008 85,000 Asphalt Shingles Roof 920 2 $1000-$2500 Deductible 130 12 Vinyl siding yes
1980 130,000 Composition Roof 1,380 3 $500 Deductible 60 2 Brick siding yes
1981 160,000 Membrane Roof 1,380 3 $2500-$5000 Deductible 300 8 Vinyl siding No
1995 280,000 Membrane Roof 3,260 4 $2500-$5000 Deductible 430 7 Stone Siding yes
1982 165,000 Shingles Roof 1,740 3 $500 Deductible 90 2 Stone Siding No
1984 200,000 Shingles Roof 2,210 4 $5000 to $10,000 Deductible 130 4 Stucco siding No
2013 145,000 Wood Shake Roof 1,700 3 $500 Deductible 80 2 Wood siding No
1980 430,000 Slate Shingles Roof 3,470 5 $500- $1000 Deductible 120 1 Stone Siding yes
1969 265,000 Metal Roof 2,690 4 > $10,000 Deductible 130 3 Fiber-Cement Siding yes
2001 225,000 Tile Roof 2,120 4 $1000-$2500 Deductible 360 12 Vinyl siding No
1990 420,000 Asphalt Shingles Roof 4,410 5 > $10,000 Deductible 310 6 Stucco siding No
1988 275,000 Tile Roof 2,470 4 > $10,000 Deductible 210 7 Vinyl siding No
1984 160,000 Asphalt Shingles Roof 1,620 3 $5000 to $10,000 Deductible 190 8 Fiber-Cement Siding No
1995 175,000 Shingles Roof 1,470 2 $500 Deductible 150 3 Vinyl siding yes
1998 145,000 Asphalt Shingles Roof 1,420 2 $2500-$5000 Deductible 50 2 Stone Siding No
2003 110,000 Asphalt Shingles Roof 1,040 2 $500- $1000 Deductible 200 7 Vinyl siding No
1967 260,000 Membrane Roof 2,350 3 $5000 to $10,000 Deductible 210 7 Vinyl siding No
1969 485,000 Tile Roof 4,080 5 $1000-$2500 Deductible 510 5 Vinyl siding No
2014 100,000 Shingles Roof 1,100 2 $1000-$2500 Deductible 30 2 Stucco siding yes

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