Yakima ,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 Yakima, 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 Yakima, WA is $1234. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Yakima, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Yakima, WA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $494 |
| $200,000 | $839 |
| $300,000 | $1,037 |
| $400,000 | $1,580 |
| $500,000 | $1,987 |
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 Yakima, WA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,265 |
| $1000 Deductible | $1,132 |
| $1500 Deductible | $1,067 |
| $2500 Deductible | $963 |
| $5000 Deductible | $814 |
| Home Insurance Company Near Yakima, WA | Homeowners Insurance Agency Near Yakima, WA | Address |
|---|---|---|
| NA | Gary G Guzzie Ins | 216 Pennsylvania Ave Cle Elum, Cle Elum, WA, 98922 |
| Allstate | Central Washington I | Po Box 100, Selah, WA, 98942 |
| Travelers | Conover Insurance | 125 N 50Th Ave, Yakima, WA, 98908 |
| Liberty Mutual Independent | Herbert Snowden Insurance | 426 N PINE ST, ELLENSBURG, WA, 98926 |
| State Farm | Roger Finch | 622 W 1st St, Wapato, WA, 98951-1108 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Gleed CDP, Washington | $73 | $97 | $145 |
| Eschbach CDP, Washington | $70 | $93 | $139 |
| Summitview CDP, Washington | $78 | $104 | $156 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Yakima, WA | 3.7% | 11.5% |
| Gleed | 3.28% | 12.85% |
| Eschbach | 3.68% | 5.59% |
| Summitview | 2.42% | 13.16% |
| Yakima Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 365 | 1.0% | $355 |
| $200 to $299 | 412 | 2.0% | $805 |
| $300 to $499 | 2,353 | 12.0% | $1255 |
| $500 to $749 | 6,483 | 34.0% | $1930 |
| $750 to $999 | 4,812 | 25.0% | $2680 |
| $1,000 to $1,499 | 3,069 | 16.0% | $3805 |
| $1,500 or more | 1,086 | 5.0% | $5455 |
| Streets in Yakima Area | Homeowners Insurance Cost |
|---|---|
| Lila Ave, S 24th Ave, Wilcox Rd, E Mead Ave, Ashbrooks Way, Rankin View Rd, Cook Hill Rd, Douglas Dr, Garden Terrace Ln, Swan Ave | $582 |
| Briarwood Dr, S 25th Ave, Ledwich Ave, Orchard, S 86th Pl, Morningside Dr, Cut Off Rd, W Kenny Dr, Terrace, Fairbanks Ave | $584 |
| N 31st Ave, W Goodlander Rd, Alpine Way, E Alder St, Pence Rd, Wyman Dr, N Pierce Ave, Ayon Ln, W 5th Ave, Queen Ave | $580 |
| E H St, Mary Way, Meadowbrook Rd, W Walnut Ave, Pacific Ave, Susan Ave, N 22nd Ave, Joyce Pl, Estes Rd, N 48th Ave | $598 |
| Warrior Rd, N Johnson Rd, State Rte 823, W Bonnie Doon Ave, Drake Ct, McGonagle Rd, Abbess Ln, Simpson Ln, Covington Ln, White Bluffs Pl | $591 |
| N 20th Ave, Lynn Pl, E Central Ave, N 24th Ave, Woodward Way, Rodgers Rd, Maclaren St, N 7th Ave, Hall Ave, Taylor Loop Rd | $591 |
| W Arlington St, Riddle Rd, Fechter Rd, Zimmerman Rd, S 71st Ave, Sommerset Rd, Martin Luther King Jr Blvd, N 94th Ave, Garden Ave, W Rutherford Rd | $598 |
| W Meadow Ln, Marylin Dr, S Naches Ave, Speyers Rd, S Brown Ln, N 28th St, Cottonwood Rd, W Pine St, Dixie Dr, Laurel St | $587 |
| Hillcrest Dr, Glenside Ct, Terry Ln, Pecks Canyon Rd, N Sky Vista Ave, N 7th St, W King Ct, E Scenic Crest Rd, Perry Ct, W Haven Way | $585 |
| Green Acres Ln, W Whatcom St, Cowiche Canyon Rd, Titleist Ln, N 9th Ave, N Rushmore Rd, John Paul Dr, S 121st Ave, Spring Creek Rd, Reed Ln | $587 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Yakima | $86 to $89 |
| Gleed | $87 |
| Eschbach | $83 |
| Summitview | $93 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $1,500 |
| Yearly Yakima Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $500 | $1,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,100 | $5,500 |
| Net Savings to Yakima Home Owner from High Deductible Plan | $600 | |
| Scenario | Yakima, WA Home Replacement Value MORE than Home Value | Yakima, WA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $281,500 | $182,000 |
| Insurance Premium based on Replacement Value | $975 | $625 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $67,000 | Risk Exposure from Under Insuring Coverage is $32,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $250/year |
| Insurance Company | American Family Insurance | State Farm | Allstate |
| Monthly Premium | 46 | 41 | 38 |
| Year Built | 1964 | 2014 | 2009 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 3 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $350000-$400000 | $150000-$175000 |
| Deductible | $1000-$2500 Deductible | > $10,000 Deductible | $500- $1000 Deductible |