Gavop shows you how to buy homeowners insurance in Ferndale, WA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $88,500 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $216,000 | $200,000 | $150,000-$175,000 |
| 3 Bedroom | $243,500 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $475,500 | $440,000 | $500,000-$600,000 |
| 5 Bedroom | $333,500 | $290,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $588 |
| Superior Protection Discount | -$62 | $622 |
| Fire & Security Discount | -$55 | $629 |
| Hail Resistant Roof Discount | -$21 | $663 |
| Newly Constructed Home Discount | -$137 | $547 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,464 |
| Hail Damage | $4,571 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,887 |
| Home Insurance Company Ferndale, WA | Homeowners Insurance Agency Ferndale, WA | Address | Popularity Score | Distance from Ferndale (miles) |
|---|---|---|---|---|
| Travelers | Guide Insurance Services Inc | 8108 Guide Meridian Rd, Lynden, WA, 98264 | 5.6 | |
| Travelers | Rice Insurance Llc | 1400 Broadway, Bellingham, WA, 98225 | 8.0 | |
| Travelers | Guide Insurance Services Inc | 8108 Guide Meridian, Lynden, WA, 98264 | 5.6 | |
| State Farm | Glen Friedl | 1400 King St., Bellingham, WA, 98229-6262 | 9.2 | |
| Travelers | Magas Insurance Inc | 2615 Meridian, Bellingham, WA, 98225 | 7.7 | |
| Travelers | Von Smith Insurance Inc | 3217 Firwood Ave, Bellingham, WA, 98225 | 6.8 | |
| State Farm | Billy Slesk | 5615 3rd Ave, Ferndale, WA, 98248 | 2.5 | |
| Allstate | James Hoffman | 4202 Meridian St Ste 102, Bellingham, WA, 98226 | 5.9 | |
| State Farm | Jim Harber | 3219 Meridian Street, Bellingham, WA, 98225 | 7.1 | |
| Allstate | Jan Hanson | 303 Telegraph Rd, Bellingham, WA, 98226 | 6.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $550 | $1,120 | $570 |
| Whatcom County, WA | $299,800 | $802 | $580 | $1,150 | $570 |
| Ferndale, WA | $290,000 | $684 | $460 | $940 | $480 |
| Custer, WA | $182,800 | $675 | $460 | $960 | $500 |
| Everson, WA | $242,900 | $754 | $510 | $1,080 | $570 |
| Geneva, WA | $386,800 | $990 | $700 | $1,360 | $660 |
| Bellingham, WA | $326,300 | $841 | $580 | $1,190 | $610 |
| Point Roberts, WA | $242,000 | $753 | $540 | $1,070 | $530 |
| Lyman, WA | $192,900 | $690 | $500 | $950 | $450 |
| Mount Vernon, WA | $231,000 | $688 | $460 | $980 | $520 |
| San Juan Island, WA | $437,200 | $811 | $580 | $1,120 | $540 |
| Coupeville, WA | $305,800 | $836 | $560 | $1,150 | $590 |
| Central Whidbey Island, WA | $321,700 | $722 | $490 | $1,020 | $530 |