Gavop's guide to buying homeowners insurance in Island 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.
| Island 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 | |
| SE Regatta Dr, Sultan Dr, Old Camano Hill Rd, Fort Casey Rd, Little Acres Dr, SW Echo Loop, NE Izett St, Elger Beach Ln, Eastpoint Dr, W la Verde St | $208,500 | $180,000 | $200,000-$250,000 | $132,000 | $110,000 | $100,000-$125,000 |
| S Horseshoe Ln, 840 W, Watkins Dr, S Delphi Rd, Ward Ln, NW 10th Ct, Amble Rd, 850th Ave W, Polnell Rd, NW 9th Pl | $168,000 | $140,000 | $150,000-$175,000 | $111,500 | $90,000 | $100,000-$125,000 |
| SW Kirk Ln, Lavender Ln, E Teresa St, Seaward Way, Witter Beach Pl, E Neely Rd, Otis St NE, Cedar Hollow Ln, S Arbor Dr, N Hamilton Dr | $352,500 | $300,000 | $350,000-$400,000 | $225,500 | $190,000 | $200,000-$250,000 |
| SW Erie Cir, Coho Ln, SE 5th Ave, NW 12th Loop, W Henni Rd, N Shore Dr, N Sunday Dr, Beachview Dr, Vesel Ct, Clarks Ridge | $378,000 | $320,000 | $300,000-$350,000 | $285,500 | $240,000 | $200,000-$250,000 |
| SW 12th Ct, Reservation Rd, Perry Dr, Hillis Dr, Hilberg Ln, Edgewood Dr, Latham Way, W Dolphin St, Noble Pl, SE Neil St | $333,500 | $310,000 | $300,000-$350,000 | $189,000 | $170,000 | $200,000-$250,000 |
| Dazi Dr, S Shell St, S Moonrise Ln, S Bartl Dr, E Ocean Dr, Kinkaid Dr, NW Ensign Dr, Clover Valley Rd, SE Regatta St, Juniper Beach Rd | $332,000 | $300,000 | $350,000-$400,000 | $270,500 | $240,000 | $250,000-$300,000 |
| Pinehurst Ct, S Eagle Glen Ln, Sequoia, E Moonlight Dr, Northgate Way, W Cemetery Rd, 2nd St, Sonshine Ln, Gull Way, Its A Laddie Rd | $263,500 | $230,000 | $250,000-$300,000 | $260,500 | $220,000 | $250,000-$300,000 |
| Fawndrop Rd, NE Kettle St, S Koenig Ln, Topaz Ct, NW Hyak Dr, W Shady Ln, Green Valley Rd, SW Xavier Dr, N Islandcrest Dr, Zimmerman Rd | $311,500 | $260,000 | $300,000-$350,000 | $297,500 | $240,000 | $250,000-$300,000 |
| Woolybrook Ln, SW Capital Dr, 1500 E, Dynes Rd, SW 8th Ave, S Bonnie Ln, 6th St, Scenic Ave, Shadowood Dr, Carlie Dr | $164,500 | $130,000 | $175,000-$200,000 | $163,500 | $130,000 | $175,000-$200,000 |
| E 250th N, Napoleon Dr, E Green Cedar Ln, Nelson Rd, Dusty Ln, N View Rd, S Harding Ave, N Joshuas Way, Edgewater Dr, SW Lansdale St | $313,000 | $260,000 | $300,000-$350,000 | $209,000 | $190,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $680 |
| Superior Protection Discount | -$82 | $737 |
| Fire & Security Discount | -$65 | $753 |
| Hail Resistant Roof Discount | -$25 | $794 |
| Newly Constructed Home Discount | -$164 | $655 |
| 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 |
| Island County | $2,000 | $809 | $2,809 | $588 | $2,588 | $221 |
| Island County, WA | $700 | $809 | $1,509 | $588 | $1,288 | $221 |
| Island County, WA | $100 | $809 | $909 | $588 | $688 | $221 |
| Port Townsend, WA | $1,500 | $686 | $2,186 | $498 | $1,998 | $187 |
| Jamestown, WA | $300 | $787 | $1,087 | $572 | $872 | $215 |
| Quilcene, WA | $1,500 | $578 | $2,078 | $420 | $1,920 | $158 |
| Picnic Point, WA | $500 | $839 | $1,339 | $610 | $1,110 | $229 |
| San Juan County, WA | $1,000 | $841 | $1,841 | $611 | $1,611 | $230 |
| Lake Bosworth, WA | $400 | $883 | $1,283 | $642 | $1,042 | $241 |
| Alger, WA | $700 | $865 | $1,565 | $629 | $1,329 | $237 |
| Kitsap County, WA | $500 | $764 | $1,264 | $555 | $1,055 | $209 |
| Enetai, WA | $2,000 | $714 | $2,714 | $519 | $2,519 | $195 |
| Home Insurance Company Island County, WA | Homeowners Insurance Agency Island County, WA | Address | Popularity Score | Distance from Island County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Western Pacific Insurance Group | 16300 Mill Creek Blvd Ste 208, Mill Creek, WA, 98012 | 29.8 | |
| Liberty Mutual Independent | Merrill & Merrill Insurance | 9259 57th Ave S, Seattle, WA, 98118 | 48.1 | |
| State Farm | Steve Williams | 2174 W Sims Way, Port Townsend, WA, 98368-2217 | 7.2 | |
| Liberty Mutual Independent | Gurry & Rogers Insurance | 1200 5th Ave Ste 1825, Seattle, WA, 98101 | 41.1 | |
| Farmers | Richard Voit | 390 Ne Midway Blvd Ste A102, Oak Harbor, WA, 98277 | 9.9 | |
| Allstate | Kate Popova | 515 116th Ave Ne Ste 267, Bellevue, WA, 98004 | 43.8 | |
| Allstate | Sunil Jain | 15650 Redmond Way, Redmond, WA, 98052 | 41.8 | |
| Farmers | Christina Abundis | 520 E Whidbey Ave Ste 103, Oak Harbor, WA, 98277 | 9.7 | |
| State Farm | Christy Niemann | 13200 Old Redmond Road, Redmond, WA, 98052 | 41.4 | |
| State Farm | Karmin Landry | 31775 State Route 20 Ste B3, Oak Harbor, WA, 98277-5105 | 9.3 |
| 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 |
| Island County, WA | $311,400 | $819 | $580 | $1,170 | $590 |
| Island County, WA | $311,400 | $819 | $590 | $1,120 | $530 |
| Island County, WA | $311,400 | $819 | $580 | $1,150 | $570 |
| Port Townsend, WA | $298,700 | $694 | $470 | $980 | $510 |
| Jamestown, WA | $277,600 | $797 | $550 | $1,130 | $580 |
| Quilcene, WA | $130,800 | $585 | $390 | $820 | $430 |
| Picnic Point, WA | $395,200 | $849 | $600 | $1,210 | $610 |
| San Juan County, WA | $452,300 | $851 | $570 | $1,180 | $610 |
| Lake Bosworth, WA | $341,700 | $894 | $610 | $1,260 | $650 |
| Alger, WA | $331,800 | $876 | $590 | $1,220 | $630 |
| Kitsap County, WA | $277,500 | $773 | $530 | $1,070 | $540 |
| Enetai, WA | $217,400 | $723 | $520 | $1,030 | $510 |