Yakima Insurance Rates:

Yakima, WA homeowners insurance is approximately $493 to $666, about $41-$55/month. Our detailed research reveals consumers can save as much as $232 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Reduce Home Insurance Costs in Yakima, Washington

In Yakima, Washington, homeowners insurance typically costs $661. You can be protected by homeowner's insurance from various unforeseen problems, including fire, water damage, theft, and vandalism. If someone is hurt on your property, it may also assist you with medical expenses. Any abrupt or unplanned occurrence that results in physical harm to a building or its contents, such as fire or smoke, wind or hail, frozen pipes, or other risks, is considered an insured peril.

Many factors affect home insurance rates in Yakima, WA. Some of the most common factors include the age and condition of the home, the location of the home, the amount of coverage you need, the deductibles you choose, the type of policy you choose, and the insurer you use. You may also get a discount on your home insurance rates if you have a good credit score or a security system installed in your home. 

Here are some methods to reduce your homeowner's insurance costs in Yakima, Washington.

1. By choosing a higher deductible

Paying a higher deductible is one option to reduce the cost of your home insurance. This implies that if you need to make a claim, you will have to pay more money out of your own pocket. Although doing this might seem hazardous, you can significantly reduce your premiums. Homeowners in Yakima, WA, pay premiums of $556.17 and $504.87 for deductibles of 1500 and 2000, respectively. However, homeowners with deductibles of 500 and 1000 pay $653.07 and $590.8, respectively. As a result, the higher the deductible in Yakima, Washington, the lower the premium..

2. Install safety devices

Your rates may be reduced by adding safety features to your residence. This covers security systems, fire extinguishers, and smoke detectors. Making your home safer will demonstrate to insurers that you are lower risk and that they will save money by insuring you. For example, having a fire extinguisher can also help to protect your home and belongings in the event of a fire. Fire extinguishers can help to put out small fires before they have a chance to spread, and they can also help to clear smoke and debris from the air. In Yakima, WA, homeowners who have fire extinguishers pay $594.9 for homeowners insurance.


3. Maintaining a zero claims history 

A claim-free history is one of the best strategies to lower your home insurance prices i.e., you have not filed any claims with your insurance company for damages to your home or any other reason. Insurance companies typically offer discounts to customers with zero claims history, which is a great way to reduce your insurance costs. For example, in Yakima, WA, homeowners with zero claims history have to pay a premium of $575.07. In contrast, homeowners with one or two claims have to pay $694.05 and $753.54 on homeowners insurance in Yakima, WA.

Yakima, WA Homeowners Insurance By Home Value

Yakima, WA Home Value Total Homes % of Total Average Yakima, WA Homeowners Insurance
Less than $50,000 2,601 9.0% $81
$50,000 to $59,999 371 1.0% $179
$60,000 to $69,999 449 1.0% $220
$70,000 to $79,999 904 3.0% $255
$80,000 to $89,999 1,129 3.0% $290
$90,000 to $99,999 1,102 3.0% $324
$100,000 to $124,999 2,723 9.0% $377
$125,000 to $149,999 2,964 10.0% $475
$150,000 to $174,999 4,279 14.0% $562
$175,000 to $199,999 3,322 11.0% $649
$200,000 to $249,999 3,728 13.0% $777
$250,000 to $299,999 2,376 8.0% $951
$300,000 to $399,999 2,582 9.0% $1212

Top Home Insurance Agents Near Yakima, WA

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

Yakima, WA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Yakima, WA

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

Yakima, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Yakima$86 to $89

Yakima, 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
Gleed CDP, Washington $73 $97 $145
Eschbach CDP, Washington $70 $93 $139
Summitview CDP, Washington $78 $104 $156

Yakima, 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
Yakima, WA3.7%11.5%

Yakima Renters Insurance as a Percentage of Rent

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

Yakima, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Yakima, WA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Yakima Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceState FarmAllstate
Monthly Premium 464138
Year Built 196420142009
Home Details 3 Beds, 2 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$350000-$400000$150000-$175000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 255,000 Tile Roof 2,850 4 $500- $1000 Deductible 330 7 Stucco siding No
1977 170,000 Asphalt Shingles Roof 1,770 4 $500 Deductible 390 10 Stucco siding yes
2013 340,000 Asphalt Shingles Roof 3,370 4 $1000-$2500 Deductible 620 10 Fiber-Cement Siding yes
2010 385,000 Metal Roof 4,650 5 $1000-$2500 Deductible 130 2 Wood siding No
1970 130,000 Membrane Roof 1,350 3 $500- $1000 Deductible 190 5 Brick siding No
2011 215,000 Composition Roof 1,820 3 $5000 to $10,000 Deductible 90 4 Stucco siding yes
2002 190,000 Membrane Roof 2,000 3 $500 Deductible 260 6 Wood siding yes
1981 310,000 Tile Roof 3,250 5 $5000 to $10,000 Deductible 210 4 Stucco siding yes
2011 150,000 Shingles Roof 1,550 2 $2500-$5000 Deductible 20 1 Stone Siding yes
1976 250,000 Membrane Roof 2,100 5 $500 Deductible 280 4 Vinyl siding yes
1999 180,000 Asphalt Shingles Roof 1,740 3 $500 Deductible 460 10 Stone Siding No
2004 190,000 Slate Shingles Roof 1,940 3 $500 Deductible 200 3 Fiber-Cement Siding yes
1977 345,000 Metal Roof 3,490 5 $500 Deductible 470 5 Fiber-Cement Siding yes
1940 160,000 Composition Roof 1,630 5 $1000-$2500 Deductible 290 9 Stucco siding yes
1974 180,000 Wood Shake Roof 1,550 3 $500 Deductible 360 9 Stucco siding yes
1999 175,000 Asphalt Shingles Roof 2,080 5 $2500-$5000 Deductible 180 6 Stone Siding No
1968 535,000 Asphalt Shingles Roof 4,790 5 $5000 to $10,000 Deductible 360 4 Stone Siding No
1949 480,000 Metal Roof 4,500 5 $5000 to $10,000 Deductible 80 1 Stucco siding yes
1940 215,000 Membrane Roof 2,290 3 $1000-$2500 Deductible 50 1 Vinyl siding No
1978 190,000 Slate Shingles Roof 2,020 5 $2500-$5000 Deductible 120 4 Wood siding yes
1942 185,000 Asphalt Shingles Roof 1,850 4 $500 Deductible 180 4 Stucco siding No
1986 375,000 Shingles Roof 4,180 5 $2500-$5000 Deductible 540 10 Wood siding yes
1964 345,000 Metal Roof 4,180 5 $2500-$5000 Deductible 750 9 Wood siding No
2009 100,000 Membrane Roof 960 2 $500 Deductible 300 12 Wood siding No
1999 380,000 Wood Shake Roof 3,240 5 $1000-$2500 Deductible 1050 10 Stucco siding yes
1966 170,000 Shingles Roof 1,780 2 $500 Deductible 60 1 Fiber-Cement Siding yes
1942 170,000 Membrane Roof 1,910 4 $500 Deductible 80 3 Brick siding No
2011 365,000 Shingles Roof 3,100 4 $1000-$2500 Deductible 400 5 Vinyl siding yes
2013 260,000 Wood Shake Roof 2,980 5 $2500-$5000 Deductible 500 10 Vinyl siding No
2007 325,000 Metal Roof 2,785 4 $5000 to $10,000 Deductible 6830 7 Fiber-Cement Siding yes

Latest Home Insurance Reviews

premium and deductible of your policy compared to the other home insurance policies
i just added another driver onto our policy and the policy sky rocketed in price we have a bundled policy with our auto also
Liberty Mutual
My premium and deductible are still the lowest I have been able to find. I have not had to file a claim but I know that the deductible is still the lowest.
If the home rates are comparable to our needs with renters and auto then it's definitely a good deal. They have treated us well.
State Farm
I would definetly recommend State farm to anyone looking for home, car, motorcycle insurance. dependable, cheap, reliable.
I love the customer service at Traveler's Insurance. You always get to talk to a person right away. Usually it is one of 3 people at the local office so they know you and you know them. The team is very professional and knowledgeable.
I would recommend this company for homeowners insurance because they really care about the needs of the customer. Normally companies are more about the price tag to make commissions.
My AllState premium and deductible are affordable, fair, transparent, all encompassing, comprehensive, and reasonable for the coverage that is included.
State Farm
We did use the internet to compare the prices of several companies when insuring our home and selected the one that was cheapest but also reputable.
I have had homeowners insurance with allstate for 2 years. i also have auto insurance with allstate. they give me a decent discount because i have multiple policies with them.
State Farm
The only thing i don't like about my insurance company is the cost. they seem to be somewhat higher than other companies in the area
The price and quality are much better than the competition. their online payment is very easy to set up and a breeze to log in.
It is a very good company with the good representative who understands your need as an insurance buyer.
Mutual Of Enumclaw
My insurance company had always responded quickly to all claims and inquiries. they always process claims as quickly and as efficiently as possible.
State Farm
I had to file a claim and they were able to help me quickly and tell me what I needed to do to proceed. They gave me tips on who to contact to get started.
American Family
The only thing I have to say is bad is the website is a bit out of date and behind. I would like the local representative pages to have a bit more information on them.
State Farm
I don't know what other companies are charging recently but when we took out the policy the price was better than any offered by the other companies we checked. We checked with Allstate, Hartford, Prudential, and a few others. None offered a better price.
We are very happy with Progressive. Their customer service is great and they worked hard at getting us coverage at a lower price. We have been with them for several years and plan on keeping them longer.
The agency I use is very nice. They are always friendly and helpful. I really can't think of a dislike for them
American Family
There hasn't been anything yet where we've really needed them but I feel good about our choice in provider
I do not have any comments on this at this time
State Farm
This State Farm office is very family oriented. I have known our agent, Tom Thorson, for over forty years and he is very personable as well as his entire staff. Answers are provided very professionally and promptly.
Country Financial
I would recommend this company to friends and family based on good interaction with customer service without any issues, competitively priced coverage, and the fact that you get discounts for every day things just by being a customer of this business.
I would recommedn them because they are always their for us. They have been their since day 1, and we are lucky to have had them reach out to us, so we could save BIG!!!
Farmer's Insurance
I would totally recommend everything, I feel it is something very good and always have something to offer to each of your clients. I would definitely recommend it.
Farmer's Insurance
The company staff is friendly and helpful. The premiums are increasing and the coverage is declining.
Crum & Forster Insurance
Yes, dislike the company because worst customer choices and the behaviors will be not deliverable to the others companies it is not predictable for the other customers.
State Farm
Though I'm satisfied, I'm not particularly thrilled. Claims take a lot of time to be settled and premiums are quite high. I believe more coverage should be offered for the money spent.
What I like about the company Progressive is they have frank system for customers depending on how long they've been with the company. As you rank up you get better deals. I also like that they have incredible customer service and are always there to help whenever I need them.

How To Make Your Yakima, WA Home Insurance Cheaper

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