Top 5 Home Insurance Companies in Pullman, WA
Check out the most popular Home Insurance agencies & companies in Pullman, WA & compare the best quotes from them.
Tips for Saving Money on Home Insurance in Pullman, WA
The average cost of homeowners insurance in Pullman, WA, is $723. As a homeowner in Pullman, WA, you want to protect your investment and secure your home and property. However, finding affordable homeowners insurance with your needed coverage can be challenging. With various factors affecting insurance rates, it's essential to understand how to save money on your policy. In this article, we'll explore tips and strategies to help you save money on home insurance in Pullman, WA, without compromising coverage.
Tips that can save you some money on your homeowner's insurance in Pullman, WA:
1. Choose a coverage that fits your home requirements
2. Opt for a higher deductible to lower your insurance premiums
3. Check home insurance rates by the age of the house
4. Install security systems at your home to avail discounts on homeowners insurance
Coverage Level
Home insurance rates for homeowners in Pullman, WA, can differ depending on their coverage level. Opting for a higher coverage level would mean that in case of a claim, the insurance provider would pay out more and consequently, the monthly premiums would be more expensive. Homeowners should assess their requirements and potential risks when determining the appropriate coverage level. Those with more valuable assets or who are exposed to greater risks may require a higher coverage level, while those with fewer or lower risks may find a lower coverage level more suitable. For example, homeowners in Pullman, WA, who choose a $200,000 coverage level pay $590 for their home insurance. The chart below displays the home insurance rates for various coverage levels in Pullman, WA.
The chart below illustrates how the coverage impacts the cost of house insurance in Pullman, GA.
Deductibles
Your deductible refers to the out-of-pocket amount before your insurance provider covers the remaining cost. If you decide on a higher deductible, your monthly premiums will be lower, but you must pay more if you make a claim. Opting for a higher deductible can be prudent as it will help you save money on your premiums. For instance, if you file a claim worth $1,000 with a deductible of $500, you will have to pay the initial $500 for the repairs while your insurance company covers the remaining $500. For example, in Pullman, WA, homeowners who select a $2,000 deductible to pay $552 for their home insurance, whereas those who opt for a $500 deductible pay $714.
Age of the House
When searching for homeowners insurance, you may question how the age of your house will affect your rates. Typically, older homes will have higher insurance rates than newer homes. This is due to the fact that older homes are more prone to structural issues that may result in claims. Additionally, outdated electrical and plumbing systems are more common in older homes, which could lead to problems. For example, in Pullman, WA, homes that are 30 or 40 years old pay $733 and $741 for insurance, respectively, while newly constructed homes pay $527.
Install Security Systems
As a homeowner, you likely want to take every possible measure to safeguard your property. Installing a security system is one of the best ways to accomplish this goal. A security system not only deters burglars and helps to protect your family, but it can also help you save money on your homeowner's insurance. Most insurance companies offer discounts to policyholders with security systems, such as burglar alarms, fire sprinklers, or deadbolt locks. Therefore, it is worth considering if you want to reduce your premiums. For example, homes in Pullman, WA, with deadbolts and fire extinguishers installed pay $636 and $650 for their home insurance.
Top Home Insurance Companies in Pullman, WA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.01% |
| Liberty Mutual | A | 13.7% |
| Erie | A+ | 9% |
| Nationwide | A+ | 6% |
| Travelers | A++ | 2.89% |
Top Nationwide Home Insurance Agents in Pullman, WA
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Joseph G Eckenrode | 1122 IDAHO ST 83501 |
208-743-6543 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Greg Clemens | 1420 S Blaine St # 7 www.gregclemens.com 83843 |
(208) 882-8782 | |
| Rick Roberts | 325 S Grand Ave 99163 |
(509) 334-1200 | |
| Erica Ruiz | 827 Bryden Ave www.ericaruizinsurance.com 83501 |
(208) 746-0040 | |
| Colin Giles | 1920 19th Ave 83501-4069 |
208-746-2400 | |
| Bob Witmer Clu, Chfc | 690 SE Bishop Blvd. Suite C 99163 |
509-334-2500 | |
| Kate Mcintyre | 203 East Third St 83843 |
||
| Mike Dolan | 1122 Idaho St www.autofirebusiness.com 83501 |
(208) 743-6543 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Valley Premier Insurance Serivces | 116 2Nd Street valleywideag.com 99402 |
||
| William R Haas Insurance | 1122 Idaho St www.haas-haas.com 83501 |
Email:bill@haas-haas.com |
|
| Clanton Insurance Agency Inc | 116 W C St 83843-2006 |
208-882-3431 Email:clantoninsurance@gmail.com |
|
| Capstone Insurance Agency Inc | 1442 Idaho St 83501-2559 |
208-746-7052 | |
| George M Rogers Ins Agcy | PO Box 7881 www.gmrogers.com 83544 |
(208) 476-5527 Email:gmrins@aol.com |
|
| Promise Ins Agency | 618 D St Ste B www.promiseinsurance.com 83501 |
(208) 746-2426 | |
| Prolink Insurance Agency Inc | 108 Short St www.prolinkinsurance.com 83843 |
(208) 882-1920 Email:mypolicy@prolinkinsurance.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Joseph Gargiulo | 142 W WALNUT 83832 |
208-285-1661 | |
| Helen A. Hellstrom Aai Cisr | 415 S Main St # 511 99111 |
(509) 397-2511 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Oberry & Lewis Inc. | 222 S 6TH ST 83861 |
(208) 245-1306 | |
| Olsommer Clarke Insurance Group Inc | 375 S GRAND AVE 99163 |
(509) 332-3535 Email:olsommer@nepainsurance.com |
|
| Olsommer-Clarke Insurance Group Inc. | 127 S WASHINGTON ST STE 4 83843 |
(208) 882-0610 | |
| Promise Insurance | 308 Main St 83501 |
(208) 743-8548 |
| State Farm | Nationwide | Travelers | |
| Median Home Value ($) | 232,130 | 232,130 | 242,130 |
| Construction year | 1973 | 1976 | 1986 |
| Home Coverage ($) | $200000-$250000 | $250000-$300000 | $250000-$300000 |
| Total Premium ($) | $716 | $792 | $800 |
Pullman, WA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Nationwide | upto 10% |
| Travelers | upto 11% |
| Liberty Mutual | upto 17% |
| Erie | upto 17% |