Gavop shows you how to buy homeowners insurance in Elma, WA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $106,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $137,500 | $110,000 | $150,000-$175,000 |
| 4 Bedroom | $190,000 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $254,000 | $240,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$86 | $529 |
| Superior Protection Discount | -$55 | $560 |
| Fire & Security Discount | -$55 | $560 |
| Hail Resistant Roof Discount | -$18 | $597 |
| Newly Constructed Home Discount | -$148 | $468 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,368 |
| Hail Damage | $4,524 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $17,054 |
| Home Insurance Company Elma, WA | Homeowners Insurance Agency Elma, WA | Address | Popularity Score | Distance from Elma (miles) |
|---|---|---|---|---|
| State Farm | Stephanie Jordan | 3405 N Proctor St, Tacoma, WA, 98407-5542 | 48.0 | |
| Travelers | Klinefelter Insurance Group | 950 Pacific Avenue Ste 640, Tacoma, WA, 98402 | 49.6 | |
| Travelers | The Toso Insurance Group | 711 St Helens Ave Ste 207a, Tacoma, WA, 98402 | 49.5 | |
| Travelers | Elliott Insurance Group | 7609 Steilacoom Blvd Sw Ste 500, Lakewood, WA, 98498 | 43.6 | |
| State Farm | Renetta Wilson | 525 Pear St Se, Olympia, WA, 98501-1549 | 25.7 | |
| State Farm | Diane Hagen | 3401 6th Ave Ste I, Tacoma, WA, 98406-5449 | 47.7 | |
| Travelers | Pilkey-Hopping & Ekberg Inc | 2102 N Pearl St Suite 102, Tacoma, WA, 98406 | 46.5 | |
| Farmers | Catherine Jeon | 8510 S Tacoma Way Ste F, Lakewood, WA, 98499 | 46.2 | |
| State Farm | Tim Potter | 5151 Borgen Blvd Nw Ste 204, Gig Harbor, WA, 98332-7892 | 45.4 | |
| GEICO | Rick Stevens | 12930 Pacific Highway Southwest Suite A, Lakewood, WA, 98499 | 43.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $590 | $1,160 | $570 |
| Grays Harbor County, WA | $161,800 | $624 | $420 | $850 | $430 |
| Elma, WA | $173,800 | $616 | $420 | $860 | $440 |
| Shelton, WA | $174,500 | $617 | $440 | $880 | $440 |
| Centralia, WA | $141,300 | $788 | $560 | $1,080 | $520 |
| Nisqually Indian Community, WA | $173,800 | $662 | $440 | $950 | $510 |
| Newaukum Prairie, WA | $225,800 | $733 | $510 | $1,020 | $510 |
| Belfair, WA | $188,000 | $683 | $490 | $980 | $490 |
| Rosedale, WA | $453,700 | $1,203 | $850 | $1,710 | $860 |
| Lakewood, WA | $232,600 | $720 | $530 | $990 | $460 |
| Wollochet, WA | $449,000 | $842 | $580 | $1,150 | $570 |
| Skamokawa, WA | $168,300 | $653 | $440 | $890 | $450 |