Tacoma Insurance Rates:

Tacoma ,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 Tacoma, 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 Tacoma, WA is $1269. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Tacoma, WA: Customer-Reviewed Options


Tacoma, WA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Tacoma, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tacoma, WA.

Coverage Level Average Annual Premium
$100,000 $508
$200,000 $863
$300,000 $1,066
$400,000 $1,624
$500,000 $2,043


Tacoma, WA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Tacoma 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
098403 $1,267
98422 $1,240
98467 $1,229
98407 $1,239
98465 $1,218
98402 $1,224
98406 $1,227
98443 $1,212
98405 $1,202
98408 $1,185
98404 $1,184
98409 $1,180


Tacoma, WA Homeowners Insurance Deductibles

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 Tacoma, WA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,301
$1000 Deductible $1,164
$1500 Deductible $1,098
$2500 Deductible $990
$5000 Deductible $838



Top Home Insurance Agents Near Tacoma, WA

Home Insurance Company Near Tacoma, WA Homeowners Insurance Agency Near Tacoma, WA Address
Travelers All Pro Risk Management Inc 3047 78TH AVE SE STE 202, MERCER ISLAND, WA, 98040
Farmers Darren Balmores 15 S Grady Way Ste 110, Renton, WA, 98057
Travelers Superior Underwriters Inc A Div Of Groninger 2027 152ND AVE NE, REDMOND, WA, 98052
Liberty Mutual Independent Trc Insurance 12015 115TH AVE NE STE 240, KIRKLAND, WA, 98034
State Farm Tyler Mcclung 2022 Meridian Ave E, Edgewood, WA, 98371-1018

Tacoma, WA Home Insurance Agents for Top Companies


Tacoma, 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
Midland CDP, Washington $88 $117 $176
Fircrest city, Washington $92 $122 $183
Waller CDP, Washington $90 $120 $180


Tacoma, 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
Tacoma, WA2.8%9.4%

Tacoma Renters Insurance as a Percentage of Rent

Tacoma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,286 1.0% $344
$200 to $299 1,330 1.0% $794
$300 to $499 2,973 3.0% $1244
$500 to $749 16,989 22.0% $1919
$750 to $999 22,853 30.0% $2669
$1,000 to $1,499 19,875 26.0% $3794
$1,500 or more 9,732 12.0% $5444

Cost Of Homeowners Insurance By Street Near Tacoma, WA

Streets in Tacoma Area Homeowners Insurance Cost
Carmel Ln NE, Chambers St, E Homestead Ave, Martin Luther King Jr Way, Maywood St, 6th St E, 8th Ave, 141st Street Ct S, Holly Hedge Ln SW, View St W$582
79th St SW, Glenelg St, 66th Ave Ct W, 103rd St S, S Gove St, S American Lake Blvd, Division Ln, 107th Street Ct S, 19th Ave Ct S, E 75 St$584
56th Avenue Ct SW, Gordon Chesney Rd, Garfield St, N C St, N Freemont Cir, 26th St W, Sharon St SW, 16th Avenue Ct E, Broadway Plz, Harbor Ridge Rd NE$600
75th Avenue Ct W, E 50th St, Arrowhead Rd SW, 68th Stct W, 74th St W, 10th Ave Ct S, S Wright Ave, N 47th St, N 36th St, Mount Rainier Blvd S$578
176th Street Ct E, S 23rd St, N Lexington St, 59th Street Ct E, Manor Dr, N 14th St, Westridge Ave W, Interlaaken Dr SW, 173rd St S, 70th Ave Ct W$603
N Vista View Dr, Lakewood Dr W, Nyanza Ln SW, Cheyenne Loop Rd S, Oak Park Dr SW, 18th Avct E, N E 58th St, 4th Ave Ct E, 68th St E, N 43rd St$593
49th St W, 7th Street Ct E, N 43rd St, N L St, Dash Point Blvd NE, Industry Dr E, Broadmoor Dr NE, 14th Avenue Ct E, 34th Avct S, 79th Stct E$606
S Stevens St, 38th Ave SW, 50th Street Ct W, 115th St Ct E, E 53rd St, 82nd St Ct, Ruby Dr SW, Marti St, S Geiger Cir, Willow Ln W$607
112th Ave SW, N C St, 63rd Street Ct W, Butte Dr SW, E 66th St, St Paul Ave, Duryea Ln S, Todd Rd NE, E Division Ct, 99th Street Ct$589
Madrona Dr NE, Madison St E, 100th Street Ct E, 15th Ave S, Ward St, 70th Avenue Ct SW, 87th St S, N Alder St, Violet Meadow St S, 113th St SW$592

Tacoma, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tacoma$89 to $91

Tacoma, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tacoma Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $9,600$8,600
Net Savings to Tacoma Home Owner from High Deductible Plan $1,000


Tacoma, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tacoma, WA Home Replacement Value MORE than Home Value Tacoma, WA Home Replacement Value LESS than Home Value
Replacement Value $225,500 $157,000
Insurance Premium based on Replacement Value $800 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $44,500 Risk Exposure from Under Insuring Coverage is $24,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $150/year


Example Tacoma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 432928
Year Built 199219722013
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$150000-$175000$175000-$200000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible