Gavop's guide to buying homeowners insurance in Jefferson 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.
| Jefferson 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 | |
| Natl Forest Develop Road 2600 Rd, Market St, McNeil Rd, Jackman St, Trader Ln, Rosewood St, Cleveland St, Bowen St, E Boat Dr, 21st St | $308,500 | $270,000 | $250,000-$300,000 | $193,000 | $170,000 | $175,000-$200,000 |
| Canal Lane Ct, Bywater Way, Oak St, Wilson St, Bear Rd, Cougar Ridge Rd, Larch Rd, Fish Hatchery Rd, Mt Lena Ln, Coco Ln | $240,500 | $200,000 | $200,000-$250,000 | $161,500 | $150,000 | $125,000-$150,000 |
| Hadlock Ave, Old Gardiner Rd, Maple Hill Rd, Mainsail Ln, Chimacum Rd, U St, Leones Ct, Old Fort Townsend Rd, Pershing Ave, Old Coyle Rd | $327,500 | $270,000 | $350,000-$400,000 | $137,500 | $130,000 | $100,000-$125,000 |
| Cottonwood Ct, Braden Creek Rd, Crest Ave, Wycoff Rd, Undi Rd, S Old Flagler Rd, Ketch Ln, Woodpecker Dr, Hancock St, Wawa Point Rd | $178,500 | $170,000 | $150,000-$175,000 | $134,500 | $120,000 | $100,000-$125,000 |
| Argyle Ln, S Lyter Ave, Rocky Brook Rd, Discovery Rd, Alder Dr, Margaret Way, Hill Pl, Sunrock Rd, S Jacob Miller Rd, Cliffside Dr | $242,500 | $220,000 | $200,000-$250,000 | $193,500 | $170,000 | $200,000-$250,000 |
| Keller Ln, N Lyter Ave, Marina Dr, Mason St, E Price St, 54th St, Valley View Ln, Hidden Trail Rd, Palomino Ln, Cedarview Ln | $233,500 | $210,000 | $250,000-$300,000 | $325,500 | $270,000 | $250,000-$300,000 |
| Hilda St, Fulton Way, Cedar Ave, Sand Rd, Dougins Way, Glen Logie Rd, Harbor View Pl, E Hemlock Dr, 49th St, Flagler Rd | $266,000 | $230,000 | $300,000-$350,000 | $123,500 | $100,000 | $125,000-$150,000 |
| E Kinkaid St, Quinault Loop, Old Tarboo Rd, Pebble Ln, E Eugene St, Tall Tree Ln, 31st Ave, N Maple St, Yew St, Pollock Dr | $292,500 | $260,000 | $300,000-$350,000 | $156,500 | $130,000 | $150,000-$175,000 |
| Kala Heights Dr, Flora St, Coleman Ln, Peterson Rd, Dowans Creek Rd, E Snow Creek Way, W Park Ave, Maple Dr, Price, Seaview Dr | $167,500 | $150,000 | $175,000-$200,000 | $198,500 | $190,000 | $150,000-$175,000 |
| Admiralty Ave, Christney Rd, Black Point Rd, Tyee Ln, Olympic Way, Piper Rd, Old Eaglemount Rd, Fairmont Hill Rd, Towne Point Blvd, Lake View Dr | $508,500 | $410,000 | $500,000-$600,000 | $361,500 | $330,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $588 |
| Superior Protection Discount | -$70 | $630 |
| Fire & Security Discount | -$49 | $651 |
| Hail Resistant Roof Discount | -$21 | $679 |
| Newly Constructed Home Discount | -$154 | $546 |
| 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 |
| Jefferson County | $1,500 | $691 | $2,191 | $502 | $2,002 | $189 |
| Jefferson County, WA | $1,500 | $691 | $2,191 | $502 | $2,002 | $189 |
| Brinnon, WA | $400 | $800 | $1,200 | $582 | $982 | $219 |
| Lofall, WA | $700 | $793 | $1,493 | $577 | $1,277 | $217 |
| Quinault Reservation, WA | $300 | $495 | $795 | $360 | $660 | $135 |
| Tracyton, WA | $1,500 | $667 | $2,167 | $485 | $1,985 | $182 |
| Suquamish, WA | $400 | $726 | $1,126 | $528 | $928 | $198 |
| Vaughn, WA | $1,000 | $768 | $1,768 | $558 | $1,558 | $210 |
| Kingston, WA | $100 | $705 | $805 | $512 | $612 | $193 |
| Port Orchard, WA | $700 | $738 | $1,438 | $536 | $1,236 | $202 |
| Freeland, WA | $300 | $824 | $1,124 | $599 | $899 | $225 |
| Coupeville, WA | $1,500 | $826 | $2,326 | $600 | $2,100 | $226 |
| Home Insurance Company Jefferson County, WA | Homeowners Insurance Agency Jefferson County, WA | Address | Popularity Score | Distance from Jefferson County (miles) |
|---|---|---|---|---|
| Allstate | Bainbridge Agency | 600 Winslow Way E Ste 213, Bainbridge Island, WA, 98110 | 48.6 | |
| Allstate | Betty J Skinner | 4181 Wheaton Way Ste 1, Bremerton, WA, 98310 | 43.9 | |
| State Farm | Steve Williams | 2174 W Sims Way, Port Townsend, WA, 98368-2217 | 39.3 | |
| Farmers | Dana Husser | 3430 E Highway 101 Ste 33, Port Angeles, WA, 98362 | 22.5 | |
| Liberty Mutual Independent | Gellor Insurance Inc | 214 E 1st St Port Angeles, Port Angeles, WA, 98362 | 22.2 | |
| Allstate | Matt Elwood | 707 E Front St, Port Angeles, WA, 98362 | 22.1 | |
| State Farm | Jon Jack | 350 W Washington St, Sequim, WA, 98382 | 27.1 | |
| Liberty Mutual Independent | Propel Insurance - Bremerton | 60 Washington Ave Ste 390, Bremerton, WA, 98337 | 45.0 | |
| Allstate | West Hills Insurance Agency | 950 W Hills Blvd, Bremerton, WA, 98312 | 43.0 | |
| Allstate | Jack Holt | 411 Park Ave Ste B, Bremerton, WA, 98337 | 44.7 |
| 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 |
| Jefferson County, WA | $304,000 | $700 | $500 | $970 | $470 |
| Jefferson County, WA | $304,000 | $700 | $500 | $990 | $490 |
| Brinnon, WA | $287,000 | $810 | $540 | $1,140 | $600 |
| Lofall, WA | $282,200 | $803 | $570 | $1,100 | $530 |
| Quinault Reservation, WA | $94,800 | $501 | $360 | $690 | $330 |
| Tracyton, WA | $220,400 | $675 | $480 | $920 | $440 |
| Suquamish, WA | $227,000 | $735 | $540 | $1,010 | $470 |
| Vaughn, WA | $261,200 | $777 | $550 | $1,100 | $550 |
| Kingston, WA | $314,400 | $713 | $480 | $990 | $510 |
| Port Orchard, WA | $255,500 | $747 | $500 | $1,020 | $520 |
| Freeland, WA | $304,400 | $834 | $600 | $1,180 | $580 |
| Coupeville, WA | $305,800 | $836 | $610 | $1,160 | $550 |