Gavop's guide to buying homeowners insurance in Garfield County, WA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $44,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $89,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $106,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $184,500 | $160,000 | $200,000-$250,000 |
| 5 Bedroom | $163,500 | $160,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $660 |
| Superior Protection Discount | -$72 | $724 |
| Fire & Security Discount | -$56 | $739 |
| Hail Resistant Roof Discount | -$24 | $771 |
| Newly Constructed Home Discount | -$175 | $620 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Garfield County | $700 | $786 | $1,486 | $571 | $1,271 | $215 |
| Garfield County, WA | $700 | $786 | $1,486 | $571 | $1,271 | $215 |
| Pomeroy, WA | $100 | $584 | $684 | $424 | $524 | $160 |
| Moscow, ID | $2,500 | $626 | $3,126 | $455 | $2,955 | $171 |
| Colfax, WA | $100 | $636 | $736 | $462 | $562 | $174 |
| Flora, OR | $2,500 | $618 | $3,118 | $449 | $2,949 | $169 |
| Washtucna, WA | $300 | $457 | $757 | $332 | $632 | $125 |
| Rock Lake, WA | $1,500 | $562 | $2,062 | $409 | $1,909 | $154 |
| Walla Walla, WA | $300 | $616 | $916 | $447 | $747 | $168 |
| Walla Walla-College Place, WA | $700 | $684 | $1,384 | $497 | $1,197 | $187 |
| Eureka Flat, WA | $500 | $616 | $1,116 | $447 | $947 | $168 |
| Reubens, ID | $1,500 | $466 | $1,966 | $339 | $1,839 | $127 |
| Home Insurance Company Garfield County, WA | Homeowners Insurance Agency Garfield County, WA | Address | Popularity Score | Distance from Garfield County (miles) |
|---|---|---|---|---|
| Allstate | Machelle M Colligan | 425 W Tietan St, Walla Walla, WA, 99362 | 46.7 | |
| Liberty Mutual Independent | Paul Richardson Agency Inc | 2 W Main St, Walla Walla, WA, 99362 | 45.9 | |
| Farmers | Timothy Paul | 325 S Grand Ave, Pullman, WA, 99163 | 26.6 | |
| State Farm | Liz Conover | 1638 Plaza Way Plaza Shp Ctr, Walla Walla, WA, 99362 | 46.0 | |
| Farmers | Jay Okeefe | 744 5th St Ste 101, Clarkston, WA, 99403 | 23.6 | |
| Travelers | Aaa Insurance Agency | 30 West Main St Suite 207, Walla Walla, WA, 99362 | 46.0 | |
| State Farm | Todd Bauman | 1639 E Isaacs Ave, Walla Walla, WA, 99362-2205 | 44.5 | |
| State Farm | Shauna Besaw | 825 6th St, Clarkston, WA, 99403-2002 | 23.5 | |
| Allstate | The Simmons Financial Group | 128 E Alder St, Walla Walla, WA, 99362 | 45.8 | |
| State Farm | Dave Pemberton | 1296 Se 12th St, College Place, WA, 99324-9727 | 47.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $560 | $1,160 | $600 |
| Garfield County, WA | $143,800 | $795 | $570 | $1,120 | $550 |
| Garfield County, WA | $143,800 | $795 | $540 | $1,130 | $590 |
| Pomeroy, WA | $133,600 | $591 | $430 | $810 | $380 |
| Moscow, ID | $220,500 | $633 | $420 | $870 | $450 |
| Colfax, WA | $162,500 | $644 | $430 | $890 | $460 |
| Flora, OR | $234,200 | $625 | $430 | $890 | $460 |
| Washtucna, WA | $81,100 | $463 | $330 | $660 | $330 |
| Rock Lake, WA | $122,900 | $569 | $400 | $780 | $380 |
| Walla Walla, WA | $178,800 | $623 | $440 | $860 | $420 |
| Walla Walla-College Place, WA | $194,600 | $692 | $480 | $980 | $500 |
| Eureka Flat, WA | $150,500 | $623 | $420 | $880 | $460 |
| Reubens, ID | $98,800 | $472 | $340 | $670 | $330 |