Vancouver ,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 Vancouver, 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 Vancouver, WA is $1276. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Vancouver, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Vancouver, WA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $510 |
| $200,000 | $868 |
| $300,000 | $1,072 |
| $400,000 | $1,633 |
| $500,000 | $2,054 |
Home insurance costs in Vancouver 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 |
|---|---|
| 098686 | $1,228 |
| 98683 | $1,218 |
| 98663 | $1,198 |
| 98660 | $1,204 |
| 98661 | $1,200 |
| 98664 | $1,202 |
| 98682 | $1,202 |
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 Vancouver, WA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,308 |
| $1000 Deductible | $1,170 |
| $1500 Deductible | $1,104 |
| $2500 Deductible | $995 |
| $5000 Deductible | $842 |
| Home Insurance Company Near Vancouver, WA | Homeowners Insurance Agency Near Vancouver, WA | Address |
|---|---|---|
| NA | Gustafson Insurance Agency | Po Box 927, Canby, OR, 97013 |
| Allstate | Aundrea Larios-Jacobs | 352 NE 181st Ave, Portland, OR, 97230 |
| State Farm | John Nogueira | 2280 W Burnside, Portland, OR, 97210-3522 |
| State Farm | Ken Alexander | 17435 SW Farmington Rd Ste E, Aloha, OR, 97007-3234 |
| State Farm | Nick Kondos | 13768 SE Division St, Portland, OR, 97236-2842 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Hazel Dell CDP, Washington | $89 | $118 | $177 |
| Walnut Grove CDP, Washington | $89 | $118 | $177 |
| Minnehaha CDP, Washington | $89 | $118 | $177 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Vancouver, WA | 3.0% | 10.2% |
| Hazel Dell | 3.0% | 10.59% |
| Walnut Grove | 3.01% | 10.37% |
| Minnehaha | 3.05% | 11.12% |
| Vancouver Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 492 | 1.0% | $344 |
| $200 to $299 | 774 | 2.0% | $794 |
| $300 to $499 | 1,201 | 3.0% | $1244 |
| $500 to $749 | 8,287 | 23.0% | $1919 |
| $750 to $999 | 12,718 | 35.0% | $2669 |
| $1,000 to $1,499 | 9,699 | 27.0% | $3794 |
| $1,500 or more | 2,624 | 7.0% | $5444 |
| Streets in Vancouver Area | Homeowners Insurance Cost |
|---|---|
| E 15th St, SE Grand Ridge Dr, NE 19th Ct, T St, SE 202nd Ave, NW 91st Cir, SE 3rd Way, SE 169th Ct, W 43rd St, NE 130th St | $598 |
| Chesapeake Dr, Officers Row, NE 126th Pl, Pinecreek, SE 162nd Ave, NW 116th St, NE Delfel Rd, NE 85th Way, SE 160th Pl, Baltimore Way | $582 |
| NE May St, NE 96th Way, NE Knollcrest Ave, Santa Fe Dr, Andresen Rd, SE Halyard Ln, SE 193rd Ave, Dayton Ave, NW 113th Cir, SE 99th Ct | $584 |
| NE 70th Ct, Jordan Way, SE 201st Ave, E 33rd St, SE 33rd St, NE 146th St, NW 119th St, NE 80th Ave, SE Maxon Rd, NW 142nd Way | $590 |
| NW 40th Ave, NW Krieger Rd, NW 189th St, E 32nd St, NW 86th Cir, Grant Pl, NW 146th Cir, NE Tenney Rd, W 22nd St, W 42nd St | $636 |
| NE 75th Cir, Mississippi Dr, T St, Columbia Ridge Dr, W 38th St, Birch St, Sheridan Dr, Hillcrest Dr, NE 27th Pl, Virginia Ln | $597 |
| NW 56th Way, Michigan St, Unander Ave, NE 32nd Ct, NE 108th Cir, E 28th St, E 36th St, SE Harmony Pl, SE 31st St, NW 46th Ct | $606 |
| NW Westgate Ave, Laurel Pl, NE 11th Pl, SE 25th Way, NE Tenny Creek Dr, NE 175th Ave, SE 26th Cir, NW 135th Cir, NW 130th Cir W, SE 99th Ave | $626 |
| SE 11th Cir, NW Heermann Dr, E 9th St, NE 1st Ave, SE 158th Ave, SE 140th Ave, Mount Whitney Ave, SE 185th Ct, John Ball Park, SE Cascade Park Dr | $604 |
| S Morrison Rd, SE 32nd St, SE Spinaker Way, NW 33rd Ct, Nampa Ct, NE 31st Cir, NW 137th St, NE 40th Pl, SE Hillcrest Dr, NE 82nd Cir | $625 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Vancouver | $89 to $91 |
| Hazel Dell | $88 |
| Lake Shore | $89 |
| Salmon Creek | $90 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $1,800 |
| Yearly Vancouver Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $800 | $1,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,000 | $7,400 |
| Net Savings to Vancouver Home Owner from High Deductible Plan | $600 | |
| Scenario | Vancouver, WA Home Replacement Value MORE than Home Value | Vancouver, WA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $320,000 | $231,500 |
| Insurance Premium based on Replacement Value | $1,100 | $775 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $37,500 | Risk Exposure from Under Insuring Coverage is $51,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $150/year |
| Insurance Company | State Farm | Chubb Group of Insurance | Farmers Insurance |
| Monthly Premium | 25 | 41 | 54 |
| Year Built | 1988 | 2006 | 2010 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $100000-$125000 | $200000-$250000 | $200000-$250000 |
| Deductible | $500- $1000 Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible |