Gavop's guide to buying homeowners insurance in Port Townsend, 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 | $110,500 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $260,000 | $240,000 | $300,000-$350,000 |
| 3 Bedroom | $390,000 | $320,000 | $350,000-$400,000 |
| 4 Bedroom | $420,000 | $370,000 | $400,000-$500,000 |
| 5 Bedroom | $438,000 | $400,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $576 |
| Superior Protection Discount | -$62 | $631 |
| Fire & Security Discount | -$49 | $645 |
| Hail Resistant Roof Discount | -$21 | $673 |
| Newly Constructed Home Discount | -$167 | $527 |
| 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 | $2,500 | $691 | $3,191 | $502 | $3,002 | $189 |
| Port Townsend, WA | $2,500 | $686 | $3,186 | $498 | $2,998 | $187 |
| North Whidbey Island, WA | $200 | $764 | $964 | $555 | $755 | $209 |
| Port Gamble Tribal Community, WA | $2,500 | $768 | $3,268 | $558 | $3,058 | $210 |
| Lake Goodwin, WA | $400 | $910 | $1,310 | $661 | $1,061 | $249 |
| Sunday Lake, WA | $2,500 | $792 | $3,292 | $576 | $3,076 | $217 |
| San Juan Island, WA | $300 | $801 | $1,101 | $582 | $882 | $219 |
| Kitsap County, WA | $700 | $764 | $1,464 | $555 | $1,255 | $209 |
| Machias, WA | $500 | $763 | $1,263 | $554 | $1,054 | $208 |
| Bothell, WA | $700 | $979 | $1,679 | $711 | $1,411 | $267 |
| Hamilton, WA | $500 | $551 | $1,051 | $401 | $901 | $151 |
| Home Insurance Company Port Townsend, WA | Homeowners Insurance Agency Port Townsend, WA | Address | Popularity Score | Distance from Port Townsend (miles) |
|---|---|---|---|---|
| Farmers | Joe Hughes | 903 5th Ave Ste 105, Kirkland, WA, 98033 | 41.9 | |
| State Farm | Steve Williams | 2174 W Sims Way, Port Townsend, WA, 98368-2217 | 1.8 | |
| Farmers | Christina Abundis | 520 E Whidbey Ave Ste 103, Oak Harbor, WA, 98277 | 13.5 | |
| State Farm | Lucho Singh | 1420 Harvard Ave, Seattle, WA, 98122-3813 | 41.9 | |
| Liberty Mutual Independent | Whidbey Island Insurance | 285 Ne Midway Blvd Ste 7, Oak Harbor, WA, 98277 | 13.8 | |
| Farmers | Michael Lemon | 433 N 5th Ave # B, Sequim, WA, 98382 | 15.0 | |
| Travelers | Lovsted Worthington Llc | 18704 Way Ne #200, Bothell, WA, 98011 | 37.2 | |
| State Farm | James Vazquez | 11801 Ne 160th Street Suite B, Bothell, WA, 98011-4106 | 39.0 | |
| Travelers | Porter Whidbey Insurance Inc | 5595 Harbor Ave, Freeland, WA, 98249 | 15.2 | |
| Travelers | Porter Whidbey Insurance Inc | 5595 S Harbor Ave , Freeland, WA, 98249 | 15.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $570 | $1,150 | $580 |
| Jefferson County, WA | $304,000 | $700 | $480 | $970 | $490 |
| Port Townsend, WA | $298,700 | $694 | $460 | $990 | $530 |
| North Whidbey Island, WA | $258,300 | $773 | $560 | $1,090 | $530 |
| Port Gamble Tribal Community, WA | $261,700 | $777 | $540 | $1,060 | $520 |
| Lake Goodwin, WA | $355,900 | $921 | $630 | $1,270 | $640 |
| Sunday Lake, WA | $281,600 | $802 | $570 | $1,150 | $580 |
| San Juan Island, WA | $437,200 | $811 | $550 | $1,160 | $610 |
| Kitsap County, WA | $277,500 | $773 | $560 | $1,070 | $510 |
| Machias, WA | $257,700 | $772 | $530 | $1,070 | $540 |
| Bothell, WA | $414,200 | $990 | $700 | $1,360 | $660 |
| Hamilton, WA | $118,300 | $558 | $400 | $800 | $400 |