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

Assurant
The prices were comparably cheaper than other insurance companies i looked at. giving the option to pay with payment plans or in full was a great benefit also.
Assurant
I had to remove some options from a policy and assurant gave me difficulty when doing so. i was not able to have the situation rectified until later than when the changes needed to be made.
Nationwide Insurance Company
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.

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

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%
Millwood4.0%12.72%
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
Deductible$800$1,800
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
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