Top 5 Home Insurance Companies in Spokane County, WA
Check out the most popular Home Insurance agencies & companies in Spokane County, WA & compare the best quotes from them.
Homeowners Insurance in Spokane County, WA
In Spokane County, WA, California, the average cost of homeowner's insurance is $673.18. Suppose a natural disaster damages your home, such as a fire, earthquake, flood, or any other risk, such as a break-in or theft. Your home insurance policy will pay for repairing or rebuilding your home. Homeowners must safeguard their investments from potential threats because purchasing a home is a significant financial commitment.
Finding the best, most affordable, or least expensive homeowners policy in Spokane County, Washington, can be challenging for homeowners. Here are some of Spokane County, Washington's most affordable home insurance companies.
Factors Influencing Home Insurance in Spokane 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 Spokane County, WA based on Coverages
As your home insurance rates are affected by your coverage, it's important to know how different coverage levels can affect your premium in Spokane County, WA. Here's a look at how your coverage level can impact your home insurance rates. 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, if you carry a low level of coverage and have a loss, you will be responsible for paying the difference between your coverage limit and the actual cost of the loss. If you carry a high level of coverage, your home insurance rates will be higher, but you will have a higher level of protection in the event of a loss. 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 Spokane County, WA
Deductibles are one of the many factors that affect home insurance rates. Deductibles can have a major impact on your home insurance rates. The higher your deductible, the lower your rates will be. This is because you are taking on more of the risk yourself. If you have a lower deductible, your rates will be higher because the insurance company is taking on more risk.
A deductible for house insurance in Spokane County, Washington, might be between $483.34 and $665.10. Home insurance is available to homeowners who pay a high deductible of $2000 and $2500 for $514.17 and $483.34, respectively. In contrast, in Spokane County, Washington, homeowners who choose a low deductible of $500 pay $665.10 for home insurance.
Spokane County, WA Homeowners Insurance based on Age of the Home
As the average age of a home in Spokane County, WA, continues to increase, so does the cost of homeowners insurance. This is because older homes are more likely to file claims against them than newer homes. Therefore, insurance companies charge higher premiums for older homes to offset the increased risk. Homes built 30 years ago pay $683.27 for home insurance, while homes over 50 pay $698.76 in Spokane County, Washington. Since they are less likely to sustain damage, newly built homes are given a discount on their homeowner's insurance. In Spokane County, Washington, newly constructed houses cost $484.68.
Homeowners Insurance in Spokane County, WA- Rates by Materials Used
Homes built with brick are often cheaper to insure than homes made of wood. That's because brick is a more fire-resistant material, and insurers see it as a lower risk. So, consider building with a brick if you want to save on your homeowners insurance. Of course, the materials you use in your home aren't the only factor determining your insurance costs. But they can have a big impact, so it's worth considering when making decisions about your home. For example, in Spokane County, Washington, residences with hail-resistant roofs cost $652.98, while those made of brick and masonry cost $639.52.
Top Home Insurance Companies in Spokane 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 Nationwide Home Insurance Agents in Spokane County, WA
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Daniel T Corrigan | 840 W Kathleen Avenue 83815-9405 |
208-667-6468 | |
| Todd C Clewell | 1314 S Grand Blvd 1314 S Grand Blvd 99202 |
||
| Raymond N Page Jr | 3021 S Regal St Ste 102 99223 |
(509) 535-3033 | |
| Paul E Hall Ii | 17 S MAIN AVE 99006 |
(509) 276-8659 | |
| Lacy Insurance Services Inc | 3021 S REGAL #103 99223 |
509-343-5555 | |
| Andy W Bleggi | 9221 N Division St Ste A 99218-1239 |
509-467-6659 | |
| Prokop Ins Services Inc | 8827 N Government Way Unit 105 83835 |
(208) 772-5947 | |
| Greg Comia Insurance Agency Inc. | 2118 N Ruby St Ste D 99207 |
(509) 822-3605 | |
| Raymond Jahn Agency Inc | 9507 N Division St Ste J 99218 |
(509) 467-4413 | |
| Springer Agency Inc | 12128 N Division St, #205 99218 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Tracy Rutledge | 5727 N Division 99208 |
||
| Raymond L. Larson | 1717 W Garland Ave Ste A 99205 |
(509) 998-4748 | |
| John Maxey | 296 W SUNSET AVE STE 33 83815 |
877-222-4678 | |
| Raymond Hohn | E 116 Crawford St 99006 |
(509) 262-9671 | |
| Gerald Jeter | 1908 W Northwest Blvd Ste C 99205 |
(509) 822-6899 | |
| Don Leipert | 404 N Pines Rd Ste A 99206 |
(509) 922-1004 | |
| Lacey Campo | 1314 S GRAND BLVD UNIT 1 99202 |
877-222-4678 | |
| Patrick Vance | 5727 N DIVISION ST 99208 |
(800) 326-8583 | |
| Denis Siple | 328 N Sullivan Rd Ste 6 99037 |
(509) 624-2336 | |
| Tim Reynolds | 6105 N Astor 99208 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Evans-Lantzy Insurance Agency | 21502 E George Gee Ave 99019 |
(509) 385-4718 | |
| Partners Hometown Insurance Agency Llc | 311 E MULLAN AVE www.partnershometown.com 83854 |
208-457-1800 | |
| Partners Hometown Insurance Agency Llc | 609 N SYRINGA ST 83854 |
208-773-0504 | |
| Guckenberg Insurance Agency Llc | 606 E Seltice Way 83854 |
(208) 773-6441 | |
| Antrim Insurance Agency Inc. | 707 W Main Ave Ste B-8 www.antriminsuranceagency.com 99201-0643 |
509-242-3244 | |
| Yoder Insurance Agency Inc. | 1401 E 57Th Ave 99223 |
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| Lacquement Insurance Agency | 12924 W SUNSET HWY STE 5 99001 |
509-244-6399 | |
| Oberry & Lewis Inc. | 222 S 6TH ST 83861 |
(208) 245-1306 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Ulysses Cosby | 10103 N Division, Ste 102 www.ulyssescosby.com 99218 |
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| Donna Barbian | 5101 N Market St Ste A www.donnabarbian.com 99217 |
(509) 489-2697 | |
| Greg Gallegos | 1520 W Garland Ave Ste C www.insuredbygreg.com 99205 |
(509) 326-3069 | |
| Cedric Jones | 14120 N Newport Hwy Ste A 99021-8600 |
509-624-4640 | |
| Lacritia Spence | 59 E QUEEN AVE STE 112 www.lacritiaspence.com 99207 |
509-325-7350 | |
| Dennis Chandler | 8880 N Hess St # 3 www.dennischandlerinsurance.com 83835 |
(208) 772-9535 | |
| Denise Brooks | 610 W Hubbard St Ste 206 www.denise-brooks.com 83814 |
(208) 667-4159 | |
| Gale Krier | Pob108 110s 3rd E 99109 |
(509) 935-6256 | |
| Bill Gaffney | 10220 N Nevada St Ste 235 99218-3124 |
509-466-7980 | |
| Shawn O Stremsterfer | 4025 E Mt Spokane Park Dr www.shawnstremsterfer.com 99021 |
(509) 818-3282 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Raymond J Byrne Lutcf | 9221 N Division St Ste E 99218 |
(509) 465-1370 | |
| Raymond P Eberle Lutcf | 618 N Sullivan Rd Ste 203 99037 |
(509) 343-3344 | |
| Daniel Swanson | 14120 N Newport Hwy 99021-8600 |
509-624-4640 | |
| Blaine Mooneyham | 626 N Mullan Rd Ste 11 99206-3857 |
509-928-5626 | |
| Elionell Nieves Echevarria | 1826 1st St 99004 |
(509) 235-2482 |
| Erie | Allstate | Liberty Mutual | |
| Median Home Value ($) | 175,950 | 185,950 | 205,950 |
| Construction year | 1989 | 1988 | 1992 |
| Home Coverage ($) | $200000-$250000 | $300000-$350000 | $200000-$250000 |
| Total Premium ($) | $1117 | $701 | $1188 |
Spokane County, WA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Nationwide | upto 5% |
| Allstate | upto 22% |
| Erie | upto 18% |
| Liberty Mutual | upto 15% |