Gavop's guide to buying homeowners insurance in Mount Spokane, 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 | $90,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $202,500 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $284,000 | $240,000 | $200,000-$250,000 |
| 4 Bedroom | $534,000 | $490,000 | $500,000-$600,000 |
| 5 Bedroom | $534,000 | $480,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $626 |
| Superior Protection Discount | -$74 | $663 |
| Fire & Security Discount | -$52 | $685 |
| Hail Resistant Roof Discount | -$15 | $722 |
| Newly Constructed Home Discount | -$184 | $553 |
| 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 |
| Spokane County | $2,000 | $665 | $2,665 | $483 | $2,483 | $182 |
| Mount Spokane, WA | $2,000 | $728 | $2,728 | $529 | $2,529 | $199 |
| Post Falls, ID | $500 | $573 | $1,073 | $417 | $917 | $157 |
| Liberty Lake, WA | $700 | $631 | $1,331 | $458 | $1,158 | $172 |
| Coeur d'Alene, ID | $100 | $630 | $730 | $458 | $558 | $172 |
| Spokane South, WA | $1,000 | $812 | $1,812 | $590 | $1,590 | $222 |
| Rockford Bay, ID | $400 | $948 | $1,348 | $689 | $1,089 | $259 |
| Bonner County, ID | $1,500 | $656 | $2,156 | $476 | $1,976 | $179 |
| Kootenai, ID | $400 | $605 | $1,005 | $439 | $839 | $165 |
| East Hope, ID | $2,000 | $707 | $2,707 | $514 | $2,514 | $193 |
| Tekoa, WA | $300 | $551 | $851 | $401 | $701 | $151 |
| Smelterville, ID | $2,000 | $329 | $2,329 | $239 | $2,239 | $90 |
| Home Insurance Company Mount Spokane, WA | Homeowners Insurance Agency Mount Spokane, WA | Address | Popularity Score | Distance from Mount Spokane (miles) |
|---|---|---|---|---|
| Travelers | Associated Agents Group Inc | 7816 E Broadway Ave, Spokane Valley, WA, 99212 | 16.8 | |
| Travelers | Northwest Insurance Services | 312 W Nora Ave, Spokane, WA, 99205 | 19.7 | |
| Farmers | Gina Lanza | 1717 W Garland Ave Ste A, Spokane, WA, 99205 | 19.5 | |
| State Farm | Emily Osborne | 23403 E Mission Ave Ste 117, Liberty Lake, WA, 99019-7624 | 13.9 | |
| Travelers | Mount Spokane Insurance | 4025 E Mt Spokane Park Dr, Mead, WA, 99021 | 12.6 | |
| Travelers | Century Insurance Agency | 1406 N Pines Rd, Spokane Valley, WA, 99206 | 15.2 | |
| Travelers | Alpine Ins Inc | 59 E Queen Ave Ste 112, Spokane, WA, 99207 | 18.1 | |
| Allstate | Nancy Yohe | 2817 N Argonne Rd, Spokane, WA, 99212 | 15.3 | |
| Farmers | Bruce Hunt | 309 S Washington Ave, Newport, WA, 99156 | 21.4 | |
| Allstate | Garry Newman | 4707 N Harvard Rd Unit 5, Otis Orchards, WA, 99027 | 11.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $590 | $1,140 | $550 |
| Spokane County, WA | $195,500 | $673 | $450 | $950 | $500 |
| Mount Spokane, WA | $332,100 | $737 | $500 | $1,020 | $520 |
| Post Falls, ID | $174,200 | $580 | $390 | $820 | $430 |
| Liberty Lake, WA | $247,300 | $638 | $470 | $870 | $400 |
| Coeur d'Alene, ID | $224,200 | $638 | $470 | $880 | $410 |
| Spokane South, WA | $296,200 | $822 | $580 | $1,180 | $600 |
| Rockford Bay, ID | $371,600 | $960 | $680 | $1,370 | $690 |
| Bonner County, ID | $222,700 | $663 | $450 | $920 | $470 |
| Kootenai, ID | $166,500 | $612 | $450 | $850 | $400 |
| East Hope, ID | $250,000 | $716 | $490 | $1,010 | $520 |
| Tekoa, WA | $117,900 | $558 | $400 | $770 | $370 |
| Smelterville, ID | $57,400 | $333 | $240 | $460 | $220 |