Gavop's guide to buying homeowners insurance in Ocean Shores, 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 | $62,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $179,500 | $170,000 | $175,000-$200,000 |
| 3 Bedroom | $141,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $201,500 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $223,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $527 |
| Superior Protection Discount | -$64 | $572 |
| Fire & Security Discount | -$64 | $572 |
| Hail Resistant Roof Discount | -$13 | $622 |
| Newly Constructed Home Discount | -$140 | $495 |
| 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 |
| Grays Harbor County | $1,500 | $616 | $2,116 | $448 | $1,948 | $168 |
| Ocean Shores, WA | $2,500 | $628 | $3,128 | $456 | $2,956 | $172 |
| Copalis Beach, WA | $500 | $608 | $1,108 | $442 | $942 | $166 |
| Hoquiam, WA | $1,000 | $786 | $1,786 | $571 | $1,571 | $215 |
| Wishkah, WA | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Grayland, WA | $300 | $616 | $916 | $447 | $747 | $168 |
| Brady, WA | $1,500 | $785 | $2,285 | $571 | $2,071 | $215 |
| Willapa, WA | $100 | $632 | $732 | $460 | $560 | $173 |
| Skokomish Reservation, WA | $2,500 | $491 | $2,991 | $357 | $2,857 | $134 |
| Home Insurance Company Ocean Shores, WA | Homeowners Insurance Agency Ocean Shores, WA | Address | Popularity Score | Distance from Ocean Shores (miles) |
|---|---|---|---|---|
| Travelers | Durney Insurance Inc | 409 8th St, Hoquiam, WA, 98550 | 15.0 | |
| State Farm | Melanie Bakala | 821 W Railroad Ave, Shelton, WA, 98584-3845 | 49.0 | |
| Farmers | Debra Wilson | 325 Duryea St, Raymond, WA, 98577 | 34.8 | |
| Farmers | Patricia Gow | 401 N Montesano St, Westport, WA, 98595 | 15.1 | |
| Liberty Mutual Independent | Mcgregor Insurance Inc | 849 Point Brown Ave Nw Ste 5, Ocean Shores, WA, 98569 | 6.5 | |
| Farmers | Heather Boley | 331 W Wishkah St, Aberdeen, WA, 98520 | 17.6 | |
| State Farm | David Steinman | 500 W Wishkah St, Aberdeen, WA, 98520-6030 | 17.6 | |
| Farmers | Troy Stillwell | 1930 Riverside Ave, Hoquiam, WA, 98550 | 15.2 | |
| Farmers | Susan Bachman | 831 Minard Ave Nw, Ocean Shores, WA, 98569 | 6.6 | |
| Allstate | Vince Funk | 104 S Chehalis St Ste 5, Aberdeen, WA, 98520 | 18.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $540 | $1,120 | $580 |
| Grays Harbor County, WA | $161,800 | $624 | $420 | $890 | $470 |
| Ocean Shores, WA | $187,900 | $635 | $440 | $900 | $460 |
| Copalis Beach, WA | $146,100 | $615 | $440 | $850 | $410 |
| Hoquiam, WA | $95,000 | $795 | $570 | $1,140 | $570 |
| Wishkah, WA | $192,400 | $689 | $500 | $940 | $440 |
| Grayland, WA | $150,700 | $623 | $420 | $850 | $430 |
| Brady, WA | $275,700 | $795 | $570 | $1,100 | $530 |
| Willapa, WA | $160,400 | $640 | $430 | $880 | $450 |
| Skokomish Reservation, WA | $93,300 | $497 | $340 | $710 | $370 |