How Can I Make My Port Orchard, WA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Port Orchard, 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.

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Select the Suitable Coverage Value for your Port Orchard, WA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $79,000 $60,000 $50,000-$75,000
2 Bedroom $168,000 $130,000 $175,000-$200,000
3 Bedroom $144,000 $120,000 $150,000-$175,000
4 Bedroom $229,500 $190,000 $250,000-$300,000
5 Bedroom $275,000 $250,000 $250,000-$300,000

Choose the Best Port Orchard, WA Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer Up to 499 Credit Score <$25,000 2 Pets, Non-Smoker $100
Retired 550-599 Credit Score <$25,000 1 Pet, Non-Smoker $660
Full Time Job 750-799 Credit Score $25 to 50,000 3 Pets, Smoker $200

Choose the Right Deductible for your Port Orchard, WA Home | Back to Top

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
Washington $200 $1,380 $1,580 $1,160 $1,360 $220
Kitsap County, WA $1,500 $1,440 $1,940 $1,160 $2,660 $-720
Port Orchard, WA $2,000 $1,170 $1,670 $1,010 $3,010 $-1,340
East Port Orchard, WA $200 $900 $1,100 $750 $950 $150
Enetai, WA $1,500 $1,130 $1,630 $950 $2,450 $-820
Silverdale, WA $400 $1,300 $1,700 $1,130 $1,530 $170
Fox Island, WA $1,500 $1,770 $2,270 $1,440 $2,940 $-670
Key Peninsula-Anderson Island, WA $100 $1,280 $1,380 $1,060 $1,160 $220
Sumner, WA $700 $1,200 $1,700 $1,030 $1,730 $-30
Covington, WA $500 $1,190 $1,690 $990 $1,490 $200
Quilcene, WA $2,500 $990 $1,490 $870 $3,370 $-1,880
Malone, WA $200 $870 $1,070 $750 $950 $120
Rochester, WA $1,000 $1,120 $1,620 $940 $1,940 $-320

Identify Top Home Insurance Agents near Port Orchard, WA | Back to Top

Home Insurance Company Port Orchard, WA Homeowners Insurance Agency Port Orchard, WA Address Popularity Score Distance from Port Orchard (miles)
Liberty Mutual Independent Dml Insurance Services Inc 4005 20th Ave W Ste 132, Seattle, WA, 98199
16.7
Liberty Mutual John Lao 14900 Interurban Ave. South Ste 142, Tukwila, WA, 98168
17.7
Allstate Marcy Johnson 1382 Se Lund Ave # 140, Port Orchard, WA, 98366
2.6
Liberty Mutual Independent Trigg Insurance Agency 17425 Vashon Hwy Sw, Vashon, WA, 98070
8.3
Allstate West Hills Insurance Agency 950 W Hills Blvd, Bremerton, WA, 98312
5.4
Liberty Mutual Independent Propel Insurance - Bremerton 60 Washington Ave 60 Washington Ave, Bremerton, WA, 98337
5.6
State Farm Greg Nunn 200 Roy St Ste 102, Seattle, WA, 98109-4110
16.3
Allstate Jack Holt 411 Park Ave Ste B, Bremerton, WA, 98337
5.8
State Farm Rusty Dubose 2401 10th Ave E, Seattle, WA, 98102-4011
18.2
State Farm Kent Bradford 1000 S 2nd St, Renton, WA, 98057-2114
20.0

Compare Rates for Port Orchard, WA Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Washington $272,900 $1,200 $820 $1,640 $820
Kitsap County, WA $276,500 $1,190 $840 $1,630 $790
Port Orchard, WA $251,400 $1,360 $970 $1,940 $970
East Port Orchard, WA $231,200 $1,340 $910 $1,890 $980
Enetai, WA $204,600 $920 $670 $1,310 $640
Silverdale, WA $286,900 $1,460 $990 $2,000 $1,010
Fox Island, WA $498,700 $1,900 $1,270 $2,640 $1,370
Key Peninsula-Anderson Island, WA $242,900 $1,430 $1,020 $2,020 $1,000
Sumner, WA $260,900 $1,360 $940 $1,920 $980
Covington, WA $297,500 $1,610 $1,080 $2,210 $1,130
Quilcene, WA $242,100 $1,190 $840 $1,680 $840
Malone, WA $217,900 $1,000 $710 $1,380 $670
Rochester, WA $232,500 $1,350 $960 $1,880 $920

Research Home Insurance Companies Reviews in Port Orchard, WA Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: September 18, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
State Farm has been helpful to me for the past 16 years and I have an agent that has always been available, helpful, honest and has always had a very communicative staff.

Date: June 18, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Female

Premium
I already pay 2,400 a year for insurance so if my home is robbed then I have to pay more?? That seems counter productive to me.

Date: October 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
State Farm had the lowest premium of the 3 or 4 companies that we checked with. Even our own bank's insurance was higher despite our loyalty to the bank.

Liberty Mutual Home Insurance Reviews

Date: September 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
The Liberty Mutual company has not been satisfactory. The annual fees provides limited coverage for large appliances. We decided not to renew. Thank you for your time.

Date: December 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Although I am not sure I have the cheapest policy around, I am positive that my insurance company offers everthing I was looking for in a policy for my home.


Allstate Home Insurance Reviews

Date: April 04, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Customer Service
I think they are okay when you have to call customer service. They answer your questions and will help you when needed.

Date: October 16, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
When you call into customer service you are often giving your information multiple times. The computer system will ask for your personal information and your account number. The agent will then ask for it for verification purposes and often times you will be cold transferred and have to give it to another agent.

Mutual of Enumclaw Home Insurance Reviews

Date: November 19, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Since we have a manufactured home, we paid 2-3 times as much compared to a regular house. This is very frustrating. Our insurance company had the lowest rates in 2006 when we bought the house. Now that we've paid off the mortgage, I intend to compare all of our insurance options to see if we can get a better rate.

GEICO Home Insurance Reviews

Date: February 27, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Geico offered the most reliable services with the policy and they met my immediate needs. This would also get them a 5 rating


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