Spokane Insurance Rates:

Spokane, WA homeowners insurance is nearly $495 to $670, about $41-$55/month. Our extensive research reveals consumers 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

Mutual Of Enumclaw
I would highly recommend this company. My rates have stayed stable over the last 12 years and my agent is always available to provide information when I request it.
State Farm
I would recommend this company for insurance, at least in this area. I have had great, easy to deal with experiences with them and was able to save a great deal of money.
American Family
I like that they make you feel like family when i go into the office or call them on the phone and always answer all questions
American Family
Some thing that i like about my insurance company is the agent and his staff are very welcoming and knowledgeable about the product
I think that Geico is a great insurance company, it offers great rates and services. I would highly recommend it I think that All State is a great insurance company, it offers great rates and services. I would highly recommend it
State Farm
I would recommend because you can put every insurance need you have with them. They have discounts for have multiple things such as having car and house.They answer my questions or help me with what I need very quickly.
State Farm
I continue to recommend my insurance company they have been there through everything. Most of my friends of if not with a small company they are with a plan usually paying more
They are very friendly and helpful. They answered all questions and put no pressure on us to sign up with them.
State Farm
When I shopped for home insurance for my second house the two other insurance companies I reviewed could not beat my current company with price or coverage enough to make me want the hassle of switching companies.
State Farm
I feel our deductible is reasonable especially for the area we live in. I am satisfied with that portion of our coverage.
I would recommend them to anyone that is looking for home insurance or any insurance for that matter. They make it easy to move forward and keep everything together.
I love the comprehensive plan. when i first signed up with them, our agent sat down and explained everything to us. what was covered, what wasn't and all of the other details were carefully explained. he made sure we were very comfortable signing on.
State Farm
I do not like the website because I cannot look at my plan there. I do not need the website for anything else really, so it is pretty useless for me.
State Farm
There are no other decent companies within this price range I feel I am happy with this insurance company
Country Financial
So far no problems, they have been nice and everything has been working out so far.
I like that most everything I do is on the app and the few times I've had to call in they were prompt to connect me to a person and not a voice prompt.
American Family
overall I can say it's really helpful in getting home insurance and I can recommend this to all
State Farm
I like that they really try their best to put their customers first when it comes to any issue a customer might have. They are able to easily answer questions.
Country Financial
I have no idea what other insurance companies charge. We've been with this company for a very long time and they've done very well by us. So I am not complaining.
State Farm
There is not much to say about what I disliked that isn't inherently tied to the idea of insurance. But as a company, they might be able to offer cheaper rates, but they were still competitive.
Liberty Mutual
I feel that their premiums have gotten much too high, they don't offer very good discounts, and they take too long to process claim payments.
State Farm
I do not dislike State Farm at all. They have always given me everything I needed without question and have tried to save me money by asking me questions.
Our insurance company has a fair rate and has good representatives that have helped us to navigate home insurance and our prices.
State Farm
Great communication, great sense of family, easy claims process, everything from start to finish is great. My rates are highly reasonable and I am more than satisfied.
i would absolutely recommend progressive. they are so helpful and friendly. They have great quotes/premiums as well as discounts.
I think that the prices they offer could be better and that they can work on improving the number of physical locations they have available in my area.
American Family
I dislike some of the customer service practices but, that is partly due to the small town branch that I use. The agent has been friends with my family since childhood and sometimes there is a little bit of too much of friendliness and not enough professionalism.
State Farm
I can not think of anything that I dislike about the home insurance company that I have right now. If that should ever change, I would shop for another insurance company in a quick manner.
Copeland Group

Spokane, WA Homeowners Insurance By Home Value

Spokane, WA Home Value Total Homes % of Total Average Spokane, WA Homeowners Insurance
Less than $50,000 3,582 4.0% $75
$70,000 to $79,999 1,307 1.0% $239
$80,000 to $89,999 1,727 2.0% $274
$90,000 to $99,999 2,691 3.0% $308
$100,000 to $124,999 8,967 10.0% $355
$125,000 to $149,999 10,650 12.0% $443
$150,000 to $174,999 12,206 14.0% $524
$175,000 to $199,999 10,003 12.0% $606
$200,000 to $249,999 14,798 18.0% $728
$250,000 to $299,999 7,902 9.0% $891
$300,000 to $399,999 6,941 8.0% $1136

Top Home Insurance Agents Near Spokane, WA

Home Insurance Company Near Spokane, WA Homeowners Insurance Agency Near Spokane, WA Address
NA Insurance Shoppe 755 N Regal St Post Falls, Post Falls, ID, 83854
Travelers Bell Anderson Agency Inc 6519 N MAPLE ST STE B, SPOKANE, WA, 99208
Travelers Capital Insurance 1112 S. Pines Rd. Spokane Valley, Spokane Valley, WA, 99206
Travelers Haddock Company Inc 1311 NORTHWOOD CENTER CT, COEUR DALENE, ID, 83814
State Farm Jeri Mainer 3007 N Argonne Rd, Spokane Vly, WA, 99212-2141

Spokane, WA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Spokane, WA

Streets in Spokane Area Homeowners Insurance Cost
W Sunset Blvd, W Mallon Ave, S Alder Dr, N Oberlin Rd, W Upton Ave, N College Rd, E Montgomery Dr, E Orchid Ave, N Wilding Dr, W Brookfield Ct$577
E Salisbury Ln, N Lynwood St, N Sipple Rd, N Arc St, Bella Vista Ln, S Ranch Park Ln, E Sumner Ave, E 64th Ave, E Dean Ave, S Bluff Rd$609
S Mamer Rd, W Houston Rd, N Cambridge Dr, N Byrd St, N Espe Rd, S Dickinson Dr, W Millbury Dr, E Galaxy Ln, W Gardner Ave, S Morrill Ct$565
S Godfrey Blvd, West Carolina Way, E Hula Ct, W Decatur Ave, S Cheryl Ct, N Potomac Ln, S Glenrose Frontage Rd, W Falcon Ave, N Elgin St, E Girard Ct$578
N Pine Ct, W Lincoln Pl, W Hoerner Ave, W Jefferson Ct, E 56th Ave, W 20th Ave, N Julia St, E Saltese Rd, S Kaniksu Ct, E Diana Ct$612
E Greta Ave, W Christi Dr, N Upriver Dr, E Mohawk Dr, E Angela Ct, E Radco Ave, S Johnson St, E 20th Ct, S Bella Vista Dr, Fowler Rd$610
S Oak St, W Dogwood Ave, N Steen Ln, E Mead St, S Gillis Rd, S Ben Garnett Way, N Yale Ct, E View Ridge Ln, W Spokane Falls Blvd, W Wedgewood Ave$613
S Old Shafer Ln, N Coach Ct, W Horizon Ave, W Sussex Ct, S Thor Ct, Decatur Ave, N E St, S Soda Rd, S Beige Ln, N Sherwood St$585
W Elliot Dr, W Crown Ave, S Canyon Woods Ln, S Sunnybrook Rd, S Progress Ct, E 58th Ln, S Vicari Rd, E Cambridge Ln, N Mayhew Rd, N Morrill Rd$609
E Woodcliff Rd, E Sunflower Ln, S Adams Rd, N Van Marter Rd, W Maxine Ave, S Park Rd, N Morrow Ct, S Pine St, N Whipple Ct, W Princeton Ave$575

Spokane, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Spokane$87 to $89
Spokane County$87
Country Homes$88
Spokane South$91

Spokane, 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
Spokane County, Washington $88 $117 $176
Millwood city, Washington $87 $116 $174
Town and Country CDP, Washington $87 $116 $174

Spokane, 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, WA3.6%11.5%
Spokane County3.5%11.36%
Town and Country3.68%13.02%

Spokane Renters Insurance as a Percentage of Rent

Spokane Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 831 1.0% $353
$200 to $299 1,798 3.0% $803
$300 to $499 6,225 11.0% $1253
$500 to $749 19,809 35.0% $1928
$750 to $999 15,021 26.0% $2678
$1,000 to $1,499 9,990 17.0% $3803
$1,500 or more 2,712 4.0% $5453

Spokane, WA Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
99223 $244,600 $600
99203 $239,200 $600
99224 $230,600 $600
99218 $219,200 $600
99208 $217,700 $600
99204 $212,600 $590
99206 $188,700 $590
99216 $185,700 $590
99217 $173,700 $590
99212 $163,800 $580
99205 $144,100 $580
99201 $142,500 $580
99202 $138,700 $580
99207 $120,900 $570

Spokane, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Spokane Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Spokane Home Owner from High Deductible Plan $600

Spokane, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Spokane, WA Home Replacement Value MORE than Home Value Spokane, WA Home Replacement Value LESS than Home Value
Replacement Value $242,000 $152,000
Insurance Premium based on Replacement Value $725 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,500 Risk Exposure from Under Insuring Coverage is $54,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $100/year

Example Spokane Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceState Farm
Monthly Premium 322950
Year Built 198820092014
Home Details 5 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $200000-$250000$125000-$150000$175000-$200000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1969 115,000 Tile Roof 1,340 2 $500 Deductible 130 4 Fiber-Cement Siding No
2009 130,000 Asphalt Shingles Roof 1,250 2 $500 Deductible 60 2 Brick siding yes
1943 145,000 Slate Shingles Roof 1,720 3 $1000-$2500 Deductible 260 7 Brick siding No
1960 380,000 Metal Roof 4,370 5 $500 Deductible 720 6 Stucco siding No
1949 355,000 Metal Roof 3,130 5 $500- $1000 Deductible 620 7 Stone Siding No
2013 110,000 Composition Roof 1,300 3 $500 Deductible 300 10 Brick siding No
1948 185,000 Metal Roof 1,500 2 $1000-$2500 Deductible 270 10 Stone Siding No
1984 165,000 Shingles Roof 1,550 3 $5000 to $10,000 Deductible 30 1 Wood siding No
1946 190,000 Membrane Roof 2,020 5 $5000 to $10,000 Deductible 360 9 Stucco siding No
1942 190,000 Shingles Roof 2,140 3 $2500-$5000 Deductible 40 1 Brick siding yes
2006 175,000 Wood Shake Roof 1,740 3 $1000-$2500 Deductible 270 9 Vinyl siding No
2011 245,000 Wood Shake Roof 2,030 3 $2500-$5000 Deductible 210 5 Wood siding No
2013 165,000 Shingles Roof 1,540 2 $5000 to $10,000 Deductible 60 3 Vinyl siding No
1987 190,000 Wood Shake Roof 1,900 3 $1000-$2500 Deductible 430 12 Stucco siding yes
2012 335,000 Slate Shingles Roof 3,130 4 $5000 to $10,000 Deductible 670 12 Stucco siding yes
1946 290,000 Asphalt Shingles Roof 3,100 4 $5000 to $10,000 Deductible 320 5 Vinyl siding No
1964 130,000 Shingles Roof 1,100 2 $500 Deductible 110 3 Fiber-Cement Siding No
1946 240,000 Membrane Roof 2,140 3 $5000 to $10,000 Deductible 150 3 Wood siding No
1947 255,000 Membrane Roof 2,290 3 $5000 to $10,000 Deductible 290 7 Fiber-Cement Siding No
2007 165,000 Shingles Roof 1,390 2 $5000 to $10,000 Deductible 50 2 Brick siding yes
1944 125,000 Wood Shake Roof 1,190 2 $500- $1000 Deductible 120 4 Stone Siding yes
2009 295,000 Slate Shingles Roof 3,260 4 $500 Deductible 840 12 Wood siding yes
2011 360,000 Tile Roof 3,200 4 $500- $1000 Deductible 330 4 Vinyl siding yes
2012 170,000 Metal Roof 1,560 2 $1000-$2500 Deductible 30 1 Fiber-Cement Siding yes
2010 130,000 Wood Shake Roof 1,530 3 $500 Deductible 280 10 Stucco siding No
2012 135,000 Tile Roof 1,240 2 $500 Deductible 220 6 Stucco siding yes
1966 445,000 Wood Shake Roof 3,670 5 $1000-$2500 Deductible 1150 12 Stucco siding No
1965 235,000 Composition Roof 2,140 4 $1000-$2500 Deductible 630 10 Stone Siding No
1964 140,000 Shingles Roof 1,450 3 $2500-$5000 Deductible 180 7 Fiber-Cement Siding No
1942 210,000 Composition Roof 1,880 4 > $10,000 Deductible 210 8 Fiber-Cement Siding No
1997 175,000 Wood Shake Roof 1,665 3 $500- $1000 Deductible 420 1 Wood siding yes

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