Gavop shows you how to buy homeowners insurance in Sumas, 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 | $60,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $201,000 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $183,000 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $181,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $198,000 | $180,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $528 |
| Superior Protection Discount | -$58 | $586 |
| Fire & Security Discount | -$45 | $599 |
| Hail Resistant Roof Discount | -$13 | $631 |
| Newly Constructed Home Discount | -$148 | $496 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,295 |
| Hail Damage | $4,665 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $17,389 |
| Home Insurance Company Sumas, WA | Homeowners Insurance Agency Sumas, WA | Address | Popularity Score | Distance from Sumas (miles) |
|---|---|---|---|---|
| Travelers | Guide Insurance Services Inc | 8108 Guide Meridian Rd, Lynden, WA, 98264 | 8.2 | |
| Travelers | Rice Insurance Llc | 1400 Broadway, Bellingham, WA, 98225 | 15.0 | |
| Travelers | Guide Insurance Services Inc | 8108 Guide Meridian, Lynden, WA, 98264 | 8.2 | |
| Liberty Mutual Independent | Kelley Insurance Agency Inc | 103 W Main St, Everson, WA, 98247 | 2.2 | |
| Allstate | Scott Richardson | 1901 N State St Ste A, Bellingham, WA, 98225 | 14.7 | |
| State Farm | Glen Friedl | 1400 King St., Bellingham, WA, 98229-6262 | 15.1 | |
| Travelers | Magas Insurance Inc | 2615 Meridian, Bellingham, WA, 98225 | 14.6 | |
| Liberty Mutual Independent | Safe Harbor Insurance | 772 Mullis St, Friday Harbor, WA, 98250 | 43.3 | |
| State Farm | Tim Slesk | 2200 Rimland Dr Ste 104, Bellingham, WA, 98226-6643 | 13.1 | |
| Farmers | Christina Abundis | 520 E Whidbey Ave Ste 103, Oak Harbor, WA, 98277 | 47.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $570 | $1,110 | $540 |
| Whatcom County, WA | $299,800 | $802 | $580 | $1,120 | $540 |
| Sumas, WA | $253,000 | $644 | $430 | $890 | $460 |
| Everson, WA | $242,900 | $754 | $540 | $1,080 | $540 |
| Custer, WA | $182,800 | $675 | $460 | $950 | $490 |
| Lummi Reservation, WA | $199,700 | $699 | $470 | $990 | $520 |
| Orcas, WA | $466,900 | $1,258 | $840 | $1,800 | $960 |
| Friday Harbor, WA | $293,500 | $818 | $580 | $1,130 | $550 |
| Lake McMurray, WA | $287,500 | $810 | $540 | $1,130 | $590 |
| Oak Harbor, WA | $237,900 | $696 | $470 | $980 | $510 |
| Sunday Lake, WA | $281,600 | $802 | $590 | $1,130 | $540 |
| Stanwood, WA | $329,600 | $847 | $580 | $1,210 | $630 |