Top 5 Home Insurance Companies in Bellingham, WA
Check out the most popular Home Insurance agencies & companies in Bellingham, WA & compare the best quotes from them.
Best Homeowners Insurance Rates in Bellingham, WA
Bellingham, WA homeowners are paying an average of $840.99 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house.There are multiple ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Bellingham homeowners based on various factors.
Home Insurance Cost Based on Deductibles
The deductible is the amount of money that an homeowner pays out of pocket before their insurance policy begins to pay any claims. Choosing a higher deductible can help lower your monthly premiums, which in turn makes it more affordable as well. For example, homeowners in Bellingham can get $604 worth of coverage for as little as $2500 with a considerable discount available by opting for higher deductibles.Homeowners receive insurance for $642 and $708 respectively, on deductibles $2000 and $1500.
Due to the risk of damage from fires or other combustion reactions, a fire-resistant house, for example, will cut your average annual premium to $723 in Bellingham. Likewise, Bellingham homes built with masonry and brick may expect to pay an average price for homeowners' insurance coverage of $799. Whereas homes built with superior and hail resistant roofs pay a higher amount $757 and $824 respectively.
The age of the home is a significant factor in determining the cost of home insurance. Older homes are more likely to have structural problems, which raises the risk and thus the rates. Homes in Bellingham that are 40 or 50 years old pay $863 and $873, respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Bellingham can avail lower insurance of $622.
Homes with distinctive features are more likely to demand a higher premium than the state average. For instance, homeowners in Bellingham pay a cost of $856 to install a swimming pool. In addition, homeowners who may have a swimming pool with a diving pool or a slide can get insurance for $875 and $891 respectively. Apart from these factors, Homeowners with high credit scores are likely to get lower rates from the Insurance companies.Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.
Top Home Insurance Companies in Bellingham, WA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.01% |
| Allstate | A+ | 9.51% |
| Erie | A+ | 9% |
| Nationwide | A+ | 6% |
| GEICO | A++ | 3.26% |
Top State Farm Home Insurance Agents in Bellingham, WA
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Ruben Garcia Jr | 1844 Iron Street 98225 |
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| Roberta Harbers Bittick | 520 E Whidbey Ave Ste 103 98277 |
(360) 675-7568 | |
| Garbis Apelian | 10426 269th Pl Nw www.mysfagentgary.com 98292 |
(360) 629-2605 | |
| Roberto Montero | 843 Cook Rd www.sfmontero.com 98284 |
(360) 856-1000 | |
| Rupert Hodges | 125 N Olympic Ave 98223 |
(360) 474-1100 | |
| Bill Nettle | 2705 Commercial Ave 98221-2733 |
360-293-4561 | |
| Craig Thomas | 1796 Main Street www.craigthomas.us 98249-9428 |
360-331-1233 | |
| Tom Chester | 2417 Meridian St 2417 Meridian St www.tomchester.com 98225 |
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| Neil Ferrari | 285 NE MIDWAY BLVD STE 7 www.ferrariinsuranceinc.com 98277 |
(360) 240-8407 | |
| Al Taxter | 5615 3rd Ave www.altaxter.com 98248 |
360-384-6881 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Evans Insurance Agency Inc. | 122 State Ave 98270 |
(360) 653-5561 | |
| Steffey Hatoway Company Inc. | 31975 Sr 20, Ste 5 Oak\u00a0Harbor 98277 |
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| Onail-Hartman Insurance Agency Inc. | 772 MULLIS ST www.onailhartman.com 98250 |
(360) 378-2949 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Craig T. Leslie | 702 N 4th Street 98273-2830 |
360-428-6020 | |
| Commercial Insurance Agency | 206 E 5th St 98223-1233 |
360-435-2419 | |
| Corey Chafin | 2705 Commercial Ave 98221-2733 |
360-293-4561 | |
| David Smith | 303 Telegraph Rd 98226 |
(360) 733-2440 | |
| Susan Eagle | 1873 Main St, Ste 7 98248 |
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| Cindy Deschamps | 2600 Elm St 98225-2325 |
360-733-0870 | |
| Dane Ackerman | 2600 Elm Street 98225-2325 |
360-733-0871 | |
| Richard Lee Dixon | 3131 Smokey Point Dr Ste 7 98223 |
(360) 658-4149 | |
| Kuhn Ins. Agency Llc | 2517 COMMERCIAL AVE 98221 |
360-293-5158 | |
| Darren King | 1517 10th Street 98270 |
800-700-9338 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Mike Yeager | 1375 STATE AVE 98270 |
(360) 653-3737 Email:mikeyeager@geico.com |
|
| Neil Feigl | 1102 WATER ST 98368 |
(360) 385-0005 Email:nfeigl@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Bartlett Insurance Agency Inc | 1400 King St Ste 101 98229-6262 |
360-676-1033 | |
| Eric A Ravotti | 1841 Front St Ste H 98264 |
(360) 354-0272 | |
| Pat Pantusa | 775 NE MIDWAY BLVD 98277 |
(425) 258-2300 | |
| Pat Pantusa | 32650 SR20 #C102 98277 |
(360) 240-9911 |
| Allstate | Nationwide | Erie | |
| Median Home Value ($) | 343,670 | 323,670 | 303,670 |
| Construction year | 2012 | 2005 | 1982 |
| Home Coverage ($) | $350000-$400000 | $300000-$350000 | $150000-$175000 |
| Total Premium ($) | $1092 | $967 | $1132 |
Bellingham, WA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 21% |
| Allstate | upto 17% |
| GEICO | upto 22% |
| Nationwide | upto 6% |