Gavop shows you how to buy homeowners insurance in Lincoln County, WA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Lincoln County, WA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Polenske Rd N, NW Dellah Ave, W First St, Hudkins Rd E, S Laurel St, E Chestnut St, Speigle Canyon Rd N, Sitton Ln, E Kunz Ln, Ringwood Rd | $144,000 | $140,000 | $125,000-$150,000 | $85,500 | $80,000 | $100,000-$125,000 |
| SE Milmont St, Eighth St, Chrismen Ln E, Knack Rd E, State Hwy 25, N Lakeview Ter, Old Kuch Rd, Starkel Rd, Heineman Rd E, Wagner Lake Rd N | $122,000 | $110,000 | $100,000-$125,000 | $88,000 | $80,000 | $100,000-$125,000 |
| E Spring Canyon Rd, SW Broadway St, Maxwell St, N Irby Rd, Tamarack Canyon Rd E, Corbett Draw Rd N, NW Division St, Sandy Dr, Hotchkiss St, Reiha Rd N | $100,000 | $80,000 | $75,000-$100,000 | $66,000 | $50,000 | $50,000-$75,000 |
| N C St, Highpoint Ct, N D St, NE Armstrong Ave, Kramer Farms Rd, Wheatland Rd N, State Rte 2 E, Second Ave, Fourth St, Mayberry Rd | $141,000 | $130,000 | $150,000-$175,000 | $128,000 | $100,000 | $150,000-$175,000 |
| Hampton Rd E, Knack Rd, Cottonwood Creek Rd E, SE Trinity Ave, Fourth Ave, Lentz Rd, Devore Rd, Gies Rd E, Zellmer Rd E, Tarbert Ln | $293,500 | $270,000 | $250,000-$300,000 | $187,500 | $180,000 | $150,000-$175,000 |
| Ruffed Grouse Dr E, SW Alder St, Pine Tree Ln N, Plaster Rd N, W Fifth St, Lakeview Cove, Houck Ln, State Hwy 231 N, Zimmerman Rd, E Airport Loop | $297,000 | $250,000 | $250,000-$300,000 | $123,000 | $100,000 | $125,000-$150,000 |
| Klobuschar Draw Rd, State Hwy 2 E, W Alice St, State Rte 21, Northhills Dr E, Alder St, Eden Harbor Dr N, Spinning Rd E, W Front Ave, Jannott Rd | $123,500 | $110,000 | $100,000-$125,000 | $118,500 | $100,000 | $100,000-$125,000 |
| B St, E Spokane Ave, Mill Canyon Rd N, 4th St, Rimrock Rd E, Skyview Pl E, NW Portland St, Boyk Rd N, State Rte 28 E, Twelth St | $165,500 | $160,000 | $175,000-$200,000 | $127,500 | $120,000 | $100,000-$125,000 |
| Slater Rd, Ida Ave E, Bull Run Rd E, Third St, W Linden St, Star Barn Rd N, Striegel Rd, Magee Rd E, S 5th St, Laney Brothers Rd E | $147,000 | $120,000 | $150,000-$175,000 | $89,500 | $80,000 | $75,000-$100,000 |
| Mecklenburg Rd N, Quail Ct, E Cottonwood Ave, SW 1st St, W Summit Ave, Friedlander Ln E, Brougher Ln E, Downs Rd N, Sunset Hwy E, W Sherlock St | $199,000 | $180,000 | $200,000-$250,000 | $172,500 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $475 |
| Superior Protection Discount | -$58 | $521 |
| Fire & Security Discount | -$52 | $527 |
| Hail Resistant Roof Discount | -$17 | $562 |
| Newly Constructed Home Discount | -$139 | $440 |
| 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 |
| Lincoln County | $2,000 | $572 | $2,572 | $416 | $2,416 | $156 |
| Lincoln County, WA | $1,000 | $572 | $1,572 | $416 | $1,416 | $156 |
| Ritzville, WA | $500 | $567 | $1,067 | $412 | $912 | $155 |
| Coulee City, WA | $700 | $651 | $1,351 | $473 | $1,173 | $178 |
| Wilson Creek, WA | $100 | $496 | $596 | $360 | $460 | $136 |
| Elmer City, WA | $2,000 | $527 | $2,527 | $383 | $2,383 | $144 |
| Banks Lake South, WA | $100 | $687 | $787 | $499 | $599 | $188 |
| Lind-Washtucna, WA | $2,000 | $482 | $2,482 | $350 | $2,350 | $132 |
| Springdale, WA | $300 | $600 | $900 | $436 | $736 | $164 |
| Rock Lake, WA | $700 | $562 | $1,262 | $409 | $1,109 | $154 |
| Clayton, WA | $300 | $670 | $970 | $487 | $787 | $183 |
| Nespelem Community, WA | $2,000 | $380 | $2,380 | $276 | $2,276 | $104 |
| Home Insurance Company Lincoln County, WA | Homeowners Insurance Agency Lincoln County, WA | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | North Town Insurance | 5727 N Division St, Spokane, WA, 99208 | 47.8 | |
| Travelers | Northwest Insurance Services | 312 W Nora Ave, Spokane, WA, 99205 | 47.2 | |
| Travelers | Kraft Insurance | 3021 South Regal, Suite 103, Spokane, WA, 99223 | 49.1 | |
| Farmers | Gina Lanza | 1717 W Garland Ave Ste A, Spokane, WA, 99205 | 46.4 | |
| State Farm | Kathie Doyle-Lipe | 4704 N Maple St, Spokane, WA, 99205-5518 | 46.6 | |
| State Farm | Mike Boutz Jr | 9222 N Newport Hwy Ste D1, Spokane, WA, 99218-1235 | 48.3 | |
| Travelers | Farwest Insurance Agencies | 1423 W Garland Ave, Spokane, WA, 99205 | 46.6 | |
| Travelers | Alpine Ins Inc | 59 E Queen Ave Ste 112, Spokane, WA, 99207 | 47.8 | |
| Allstate | Paul Hamilton | 5101 N Market St Ste A, Spokane, WA, 99217 | 49.9 | |
| Farmers | Linda Bain | 1717 W Francis Ave, Spokane, WA, 99205 | 46.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $570 | $1,110 | $540 |
| Lincoln County, WA | $150,500 | $579 | $400 | $820 | $420 |
| Lincoln County, WA | $150,500 | $579 | $400 | $790 | $390 |
| Ritzville, WA | $125,300 | $574 | $380 | $790 | $410 |
| Coulee City, WA | $171,800 | $659 | $450 | $900 | $450 |
| Wilson Creek, WA | $95,200 | $502 | $360 | $720 | $360 |
| Elmer City, WA | $107,400 | $533 | $380 | $760 | $380 |
| Banks Lake South, WA | $196,900 | $695 | $500 | $970 | $470 |
| Lind-Washtucna, WA | $89,900 | $488 | $330 | $690 | $360 |
| Springdale, WA | $168,000 | $607 | $420 | $860 | $440 |
| Rock Lake, WA | $122,900 | $569 | $420 | $810 | $390 |
| Clayton, WA | $184,200 | $678 | $450 | $960 | $510 |
| Nespelem Community, WA | $56,800 | $385 | $280 | $540 | $260 |