How Can I Make My Spokane Valley, WA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Spokane Valley, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Spokane Valley, WA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $54,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $81,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $165,500 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $245,500 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $205,500 | $190,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Spokane Valley, WA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $550 |
| Superior Protection Discount | -$58 | $589 |
| Fire & Security Discount | -$45 | $602 |
| Hail Resistant Roof Discount | -$13 | $634 |
| Newly Constructed Home Discount | -$149 | $498 |
Choose the Right Deductible for your Spokane Valley, 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 |
| Spokane County | $2,000 | $665 | $2,665 | $483 | $2,483 | $182 |
| Spokane Valley, WA | $1,000 | $639 | $1,639 | $465 | $1,465 | $175 |
| Rockford, WA | $2,000 | $627 | $2,627 | $456 | $2,456 | $171 |
| Hayden Lake, ID | $500 | $1,583 | $2,083 | $1,150 | $1,650 | $433 |
| Kootenai County, ID | $2,000 | $645 | $2,645 | $469 | $2,469 | $176 |
| Blanchard, ID | $400 | $718 | $1,118 | $522 | $922 | $196 |
| Lamont, WA | $1,000 | $376 | $1,376 | $274 | $1,274 | $103 |
| Garfield, WA | $100 | $601 | $701 | $437 | $537 | $164 |
| Steptoe, WA | $700 | $625 | $1,325 | $454 | $1,154 | $171 |
| Rock Lake, WA | $200 | $562 | $762 | $409 | $609 | $154 |
| Harrington, WA | $700 | $519 | $1,219 | $377 | $1,077 | $142 |
Identify Top Home Insurance Agents near Spokane Valley, WA | Back to Top
| Home Insurance Company Spokane Valley, WA | Homeowners Insurance Agency Spokane Valley, WA | Address | Popularity Score | Distance from Spokane Valley (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | North Town Insurance | 5727 N Division, Spokane, WA, 99208 | 9.0 | |
| Travelers | Associated Agents Group Inc | 7816 E Broadway Ave, Spokane Valley, WA, 99212 | 3.1 | |
| Travelers | Kraft Insurance | 3021 S Regal #103, Spokane, WA, 99223 | 6.8 | |
| Farmers | Naomi Kahn | 9119 E Boone Ave Ste A, Spokane Valley, WA, 99206 | 2.3 | |
| Liberty Mutual | Travis Brewer | 16201 E. Indiana Avenue Suite 2280, Spokane Valley, WA, 99216 | 2.2 | |
| State Farm | Mike Boutz Jr | 9222 N Newport Hwy Ste D1, Spokane, WA, 99218-1235 | 9.9 | |
| Travelers | Century Insurance Agency | 1406 N Pines Rd, Spokane Valley, WA, 99206 | 0.6 | |
| Allstate | Kevin Riordan | 21502 E George Gee Ave, Liberty Lake, WA, 99019 | 5.5 | |
| Allstate | Ryan Matthew Yohe | 9221 N Division St Ste G, Spokane, WA, 99218 | 9.9 | |
| Farmers | Geoffrey Miller | 9221 N Division St Ste E, Spokane, WA, 99218 | 9.9 |
Compare Rates for Spokane Valley, WA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $590 | $1,120 | $530 |
| Spokane County, WA | $195,500 | $673 | $480 | $920 | $440 |
| Spokane Valley, WA | $177,100 | $647 | $470 | $930 | $460 |
| Rockford, WA | $157,400 | $635 | $460 | $870 | $410 |
| Hayden Lake, ID | $488,300 | $1,602 | $1,070 | $2,260 | $1,190 |
| Kootenai County, ID | $212,900 | $653 | $460 | $910 | $450 |
| Blanchard, ID | $258,900 | $727 | $530 | $1,030 | $500 |
| Lamont, WA | $55,600 | $381 | $260 | $540 | $280 |
| Garfield, WA | $142,500 | $608 | $410 | $860 | $450 |
| Steptoe, WA | $156,300 | $633 | $420 | $880 | $460 |
| Rock Lake, WA | $122,900 | $569 | $400 | $810 | $410 |
| Harrington, WA | $104,200 | $525 | $360 | $750 | $390 |
Research Home Insurance Companies Reviews in Spokane Valley, WA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: January 12, 2020 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I have always worked directly with an agent and I have had great experiences. My agent is very responsive and makes the effort to get to know me and my family. This helps my agent know our needs to offer us new.
Date: October 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I think that Allstate is pretty competitive with their pricing. It's comparable to other insurance companies but with exceptional customer service.
Date: August 13, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I am very pleased with the premium and deductible Allstate insurance offers me compared to other providers. They give me great coverage at a reasonable price that is very affordable.
State Farm Home Insurance Reviews
Date: December 31, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
It is very useful for our life and hone insurance very important on the life
Date: October 12, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Always very friendly and attentive. Answers any and all questions I have. Nice people all around I would not do better elsewhere.
Liberty Mutual Home Insurance Reviews
Date: July 02, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Monthly premiums rise by an average of 9% after a single claim on my home insurance policy. The average of my insurance deductible is typically $500 - $1,000.
Nationwide Home Insurance Reviews
Date: September 08, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I would give the Nationwide Customer Service team a 4. They have been very attentive when I call them, actively listening and making sure my needs are met.