Top 5 Home Insurance Companies in Kittitas County, WA
Check out the most popular Home Insurance agencies & companies in Kittitas County, WA & compare the best quotes from them.
Homeowners Insurance in Kittitas County, WA
In Kittitas County, Washington, the average cost of homeowner's insurance is $747.87. When it comes to protecting your home in Kittitas County, WA, homeowners insurance is essential. Homeowners insurance can help protect your home and belongings if a covered loss, such as fire, theft, or wind damage. It can also help to cover the cost of temporary living expenses if your home is uninhabitable due to a covered loss. In addition, homeowners insurance can provide liability coverage if someone is injured on your property. While homeowners insurance is not required by law, it is still a good idea to have in place. Homeowners insurance can help give you peace of mind in knowing that your home and belongings are protected in case of a covered loss.
There are a few things to keep in mind when choosing homeowners insurance in Kittitas County, WA:
1. Make sure to choose a policy with adequate coverage for your needs.
2. Be sure to read the policy carefully and understand what is and is not covered.
3. Be sure to shop around and compare rates to get the best deal on coverage.
Here are some of the most cost-effective house insurance providers in Kittitas County, Washington. This article offers advice on getting low-cost homeowners insurance in Kittitas County, Washington, while reducing your insurance expenses.
Factors Influencing Home Insurance in Kittitas County, WA:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by age of the home
4. Home insurance rates by materials used
Homeowners Insurance in Kittitas County based on Coverages
The most important factor in determining your home insurance rates is your needed coverage. The more coverage you have, the more expensive your policy will be. If you carry a low level of coverage, your home insurance rates will be lower than if you carry a higher level of coverage. However, it's important to have enough coverage to protect your home and belongings in a disaster. The coverage you carry should be based on the value of your home and your personal belongings. See the chart below to know more.
How Deductibles Affect Home Insurance Rates in Kittitas County
Your home insurance deductible is the amount you have to pay out-of-pocket before your insurance company starts paying for a covered claim. Your deductible amount is one of the many factors that affect your home insurance rates. The higher your deductible, the lower your rates will be. That's because you're taking on more of the financial risk if you have to file a claim. You don't want to set your deductible so high that you can't afford to pay it if you have to make a claim. You'll need to strike a balance that works for you and your budget. In Kittitas County, Washington, a homeowner's insurance deductible could range from $537 to $739. Homeowners who pay a high deductible of $2000 and $2500 for $572 and $537, respectively, can obtain home insurance. In contrast, homeowners in Kittitas County, Washington, spend $739 for home insurance when they select a $500 low deductible.
Kittitas County Homeowners Insurance based on Age of the Home
As you get older, your home insurance rates will likely change. In general, homeowners insurance rates tend to go up as the age of the home increases. There are a few reasons for this. Older homes are usually more expensive to insure because they're more likely to have damage from things like wear and tear, weather damage, and so on. In Kittitas County, Washington, homes built 30 years ago cost $760 for home insurance, while homes over 50 pay $776. Newly built homes are offered a discount on their homeowner's insurance because they are less likely to experience damage. Newly built homes in Kittitas County, Washington, cost $554.
Homeowners Insurance in Kittitas County - Rates by Materials Used
Homeowners insurance rates in Kittitas County, WA, are largely determined by the materials used in construction. Homes built with fire-resistant materials like brick or stone are typically cheaper to insure than those built with wood. This is because fire is one of the most common causes of damage to homes, and homes constructed with fire-resistant materials are less likely to be destroyed by a fire. For instance, homes with hail-resistant roofs in Kittitas County, WA, cost $733, while those made of brick and masonry cost $711.
Top Home Insurance Companies in Kittitas County, WA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.01% |
| Liberty Mutual | A | 13.7% |
| Allstate | A+ | 9.51% |
| Erie | A+ | 9% |
| Nationwide | A+ | 6% |
Top Liberty Mutual Home Insurance Agents in Kittitas County, WA
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Kelli K Glenn Lutcf | 17 E ST SE 98848 |
509-787-2816 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Carrier Insurance Agency Inc. | 415 E 1st St 98922 |
509-674-5107 | |
| Bartelt Insurance Services Llc | 105 S 1st St 98942-1349 |
509-697-4900 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Mark Newhouse | 11 Spokane St STE 303 www.newhouseagency.com 98801 |
(509) 679-8881 | |
| Pam Ellis | 3 N 7TH AVE STE A www.callpame.com 98902 |
(509) 575-0300 | |
| Lance Wood | 500 N WENATCHEE AVE 98801 |
509-662-2194 | |
| Kelley Tierney | 1430 N 16TH AVE BLDG H www.kelleytierney.com 98907 |
509-248-7460 | |
| Rick Ramsey | 513 S 1st St 98942 |
(509) 697-3500 | |
| Ed Barnhart | 7200 W Nob Hill Blvd Ste 2 98908 |
(509) 972-8068 | |
| Rick Phyfer | 115a S 7th Ave www.rickphyfer.com 98902 |
(509) 453-0065 | |
| Rick Paul | 2800 Terrace Heights Dr www.rickpaul.com 98901 |
(509) 248-5606 | |
| Lance Varnado | 124 PENNY RD E STE 101 www.lancevarnado.com 98801 |
509-665-0500 | |
| Pam Ellis | 410 S 1ST ST www.callpame.com 98942 |
(509) 697-4871 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Gana Mccrann | 205 Woodring St 98815 |
(509) 782-2213 | |
| Flavia Meyer-Licastro | 363 Eastmont Ave 98802 |
(509) 884-4800 | |
| Rick Ridgely | 120 N 50th Ave 98908 |
(509) 966-7739 | |
| Don Miles | 235 N Mission St 98801 |
(509) 664-4000 | |
| Jeremy Hathcock | 3 NORTH 7TH AVE 98902 |
509-575-0300 | |
| Jeremy Gregory | 612 N 39TH AVE 98902 |
509-837-9335 | |
| Steve Douglass | 500 N Ave 98801 |
||
| Rick Ragubir | 5 S 3rd Ave 98902 |
(509) 457-7262 | |
| Frederick Pastore | 100 1st 98942 |
(509) 697-4871 | |
| Jeremy Henley | 2019 FRUITVALE BLVD 98902 |
509-453-1724 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Mitchell Cohen Agency | 426 N PINE ST 98926 |
(509) 925-6174 | |
| Estal Insurance And Financial Services Inc | 1320 S Canyon Rd 98926 |
(509) 925-1700 | |
| O Rickey Harris | 22 N CHELAN AVE 98801 |
(509) 662-2151 | |
| Val J Winter Agency Inc | Po Box 100 98942 |
||
| Tony G King Insurance Agency Inc | 925 5Th St Ste A 98801 |
||
| O L Meek Insurance Agency Inc | 925 5TH ST STE A 98801 |
(509) 663-1331 |
| Liberty Mutual | Allstate | State Farm | |
| Median Home Value ($) | 251,030 | 271,030 | 281,030 |
| Construction year | 1991 | 2007 | 1940 |
| Home Coverage ($) | $150000-$175000 | $200000-$250000 | $200000-$250000 |
| Total Premium ($) | $1057 | $1232 | $1289 |
Kittitas County, WA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Liberty Mutual | upto 19% |
| Erie | upto 19% |
| Allstate | upto 19% |
| Nationwide | upto 5% |