How Can I Make My Spokane, WA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Spokane, 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.
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Estimate Appropriate Spokane, WA Home Insurance Coverage Levels | Back to Top
| Spokane, WA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| W Bishop Ct, N Edgemont Ln, W Lyons Ave, N Lindeke Ct, E Houghton Ave, E Brady Ct, N Quincy Ct, S Waterford Crest Ln, S Thorpe Rd, S Glenbrook St | $124,000 | $110,000 | $125,000-$150,000 | $110,000 | $90,000 | $125,000-$150,000 |
| N Moffitt Rd, E 55th Ave, S Carnine Ct, E 55th Ave, N Holl Rd, W Kens Ct, S Flora Rd, W Alison Ave, W Excell Dr, 11th Ct | $75,500 | $70,000 | $50,000-$75,000 | $132,500 | $110,000 | $150,000-$175,000 |
| N Wesley Rd, N Larch Rd, North Carolina Way, N Hill N Dale St, N Morton Ct, N Hayley Ct, S Van Marter Rd, W Hartson Ave, S Abbott Rd, S Downing Ct | $127,500 | $100,000 | $100,000-$125,000 | $150,000 | $140,000 | $125,000-$150,000 |
| N Felts Rd, E Driftwood Dr, W Briarcliff Ct, S Stone Ct, N Blue Spruce Ln, E North Glenngrae Ln, E Cora Ave, N Tucannon St, S Marcus Ln, S Quail Ct | $236,500 | $210,000 | $200,000-$250,000 | $166,500 | $150,000 | $125,000-$150,000 |
| Red Wood Ln, N Mayfair Rd, E Salisbury Ln, W College Ave, N Mullan Rd, S Inland Empire Way, E Nixon Ct, E Sierra Ave, Korey Ln, S Glenn Rd | $131,000 | $110,000 | $100,000-$125,000 | $249,500 | $230,000 | $200,000-$250,000 |
| W Park Pl, W York Ave, S Eastern Ln, N Cowlitz Ct, S Assembly St, W Prosperity Ln, N Gordon Ct, E Olive St, West Carolina Way, N Felts Rd | $213,500 | $170,000 | $175,000-$200,000 | $158,500 | $140,000 | $125,000-$150,000 |
| W Indian Trail Rd, W Sunset Blvd, E 65th Ave, E 56th Ave, W Boy Scout Way, S Raymond Ct, N Hutchinson Rd, S Jaques St, S Greene St, E Wilding Ave | $107,000 | $100,000 | $100,000-$125,000 | $191,500 | $180,000 | $200,000-$250,000 |
| W Indian Trail Rd, S Cresthill Dr, W Greta Ave, N Waikiki Ct, E Glenview Cir, E 34th Ct, S Felts Rd, S Argonne Rd, S Walnut St, S Apollo St | $109,500 | $90,000 | $100,000-$125,000 | $254,000 | $210,000 | $300,000-$350,000 |
| W Greta Ln, S Salish Ct, W Rockwood Blvd, N Kathy Ln, E 12th Ct, N H St, N Buell Ct, W Parkwest Ct, E Tracey Ct, E North Foothills Dr | $106,000 | $100,000 | $100,000-$125,000 | $198,500 | $190,000 | $150,000-$175,000 |
| W 23rd Ave, W Mansfield Ave, W Frederick Ave, N Northview Rd, W Custer Dr, S Union Ct, S Bella Vista Dr, N Glengrae Ln, W Sound Ave, N Thierman Rd | $99,500 | $90,000 | $100,000-$125,000 | $113,500 | $100,000 | $125,000-$150,000 |
Estimate your Savings with Home Insurance Discounts in Spokane, WA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $528 |
| Superior Protection Discount | -$65 | $587 |
| Fire & Security Discount | -$65 | $587 |
| Hail Resistant Roof Discount | -$13 | $639 |
| Newly Constructed Home Discount | -$176 | $476 |
Choose the Right Deductible for your Spokane, WA Home | Back to Top
| 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 |
| Spokane County | $700 | $665 | $1,365 | $483 | $1,183 | $182 |
| Spokane, WA | $1,000 | $644 | $1,644 | $468 | $1,468 | $176 |
| Mead, WA | $500 | $645 | $1,145 | $469 | $969 | $176 |
| Green Bluff, WA | $1,000 | $1,120 | $2,120 | $814 | $1,814 | $306 |
| Valleyford, WA | $200 | $869 | $1,069 | $632 | $832 | $238 |
| Four Lakes, WA | $2,500 | $652 | $3,152 | $474 | $2,974 | $178 |
| Liberty Lake, WA | $100 | $631 | $731 | $458 | $558 | $172 |
| Rathdrum, ID | $1,500 | $571 | $2,071 | $415 | $1,915 | $156 |
| Malden, WA | $300 | $458 | $758 | $333 | $633 | $125 |
| Kootenai County, ID | $1,500 | $645 | $2,145 | $469 | $1,969 | $176 |
| Lamont, WA | $400 | $376 | $776 | $274 | $674 | $103 |
| Garfield-Oakesdale, WA | $2,500 | $609 | $3,109 | $442 | $2,942 | $166 |
Identify Top Home Insurance Agents near Spokane, WA | Back to Top
| Home Insurance Company Spokane, WA | Homeowners Insurance Agency Spokane, WA | Address | Popularity Score | Distance from Spokane (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | North Town Insurance | 5727 N Division St, Spokane, WA, 99208 | 3.7 | |
| Liberty Mutual Independent | Boyd Insurance Brokerage Inc | 103 E Sprague Ave 102, Spokane, WA, 99202 | 2.4 | |
| Farmers | Naomi Kahn | 9119 E Boone Ave Ste A, Spokane Valley, WA, 99206 | 3.7 | |
| State Farm | Emily Osborne | 23403 E Mission Ave Ste 117, Liberty Lake, WA, 99019-7624 | 12.6 | |
| Liberty Mutual Independent | Farwest Insurance Agencies | 1423 W Garland Ave, Spokane, WA, 99205 | 3.8 | |
| Travelers | Mount Spokane Insurance | 4025 E Mt Spokane Park Dr, Mead, WA, 99021 | 8.3 | |
| Travelers | Alpine Ins Inc | 59 E Queen Ave Ste 112, Spokane, WA, 99207 | 3.4 | |
| Travelers | Dan Hoffman Insurance Agency | 6105 N Astor, Spokane, WA, 99208 | 3.7 | |
| Allstate | Aag | 10408 W Highway 2 Ste 1, Spokane, WA, 99224 | 9.3 | |
| Farmers | Linda Bain | 1717 W Francis Ave, Spokane, WA, 99205 | 4.8 |
Compare Rates for Spokane, WA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $570 | $1,160 | $590 |
| Spokane County, WA | $195,500 | $673 | $480 | $920 | $440 |
| Spokane, WA | $180,500 | $652 | $470 | $900 | $430 |
| Mead, WA | $201,700 | $653 | $440 | $910 | $470 |
| Green Bluff, WA | $435,200 | $1,134 | $770 | $1,620 | $850 |
| Valleyford, WA | $333,900 | $880 | $630 | $1,240 | $610 |
| Four Lakes, WA | $172,300 | $660 | $440 | $920 | $480 |
| Liberty Lake, WA | $247,300 | $638 | $450 | $910 | $460 |
| Rathdrum, ID | $172,300 | $578 | $420 | $800 | $380 |
| Malden, WA | $81,700 | $464 | $310 | $640 | $330 |
| Kootenai County, ID | $212,900 | $653 | $440 | $900 | $460 |
| Lamont, WA | $55,600 | $381 | $270 | $540 | $270 |
| Garfield-Oakesdale, WA | $146,600 | $616 | $450 | $860 | $410 |
Research Home Insurance Companies Reviews in Spokane, WA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 19, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
Despite needing to switch to a MN Fair Plan through State Farm, our rep was able to find some places where we could save money on our premium because our original policy was covering things unnecessarily.
Date: September 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Giving a rate of 3 because i disagree with all deductibles. Why do we pay monthly if we have to pay at all out of pocket during an emergency.
Date: September 20, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Customer Service
There customer service is great you have the option to communicate we an assign agent via email or phone call. Each year they offer an appointment to go over your policy to see if there is anyway the can save you money.
Date: September 16, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
I am satisfied with my policy. I feel that my home is protected if I every was to need them. They work fast to process claims and they are very reliable in this service and all the service that they offer.
Date: September 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
I love my interaction with Statefarm I have been with the company for over 8 years. They are always willing to work with there customers and anytime you requests information such as a breakdown the will take there time to review your information. If every time you cannot reach the local branch you can always contact them through their 1-800 number.
Date: September 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
The customer service at State Farm whether it be the corporate or local office is superb. Never had any issues with the service I receive, always friendly and nice and get the job done.
Date: September 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
State Farm is cheaper for us than other companies we have gotten quotes from. The reason for the 4 is while we receive a good rate from State Farm, I believe insurance, in general, is expensive.
Date: August 24, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Website/App
I wish you were able to do an online chat with someone in your local office. While the site offers online chat it is with someone from corporate which usually means having to call the local office or someone will call you back from the local office. Also, wish you were able to add a policy and then have it reviewed and implemented.
Date: August 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
I have no complaints. When I email or call my agent he is quick to respond. The one time we did file a claim, the claim agent was quick to respond to our questions or concerns.
Date: May 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I think Statefarm offer a great rates and more coverage than other policy, There program is convenient due to the fact that it allow you to combine your car aand home insurance together for a discounted price.
Date: March 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
My policy cover Weather and storms damages. Along with fire, wind hail lighting and some plumbing system. It even cover non-weather issues such as vandalism. The app and website feature is easy to use to access of this information along with payment information
Date: November 25, 2017 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Our home owners policy is pretty comprehensive. We are not insured for a certain amount, we have replacement insurance. Meaning if our home is totally destroyed, State Farm will pay for our house to be rebuilt at the current costs.
Allstate Home Insurance Reviews
Date: September 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
they only provide medical insurance for the whole family. Only the service member gets dental and there's zero coverge for vision insurance, this in unsatisfactory.
Date: June 08, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Customer Service
The insurance I had before it lapsed was just renters insurance. I was very disappointed that the insurance was a bit on the high side but it did not cover my home or family's belongings.
Date: April 03, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium and deductible for our home insurance compared to other competitors were much lower and more affordable to open a new policy.
Date: December 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
Mostly satisfied. I once was late on a payment after setting up a payment through customer service and it wasn't finalized in the system. They refunded the late fee but still kept the "late" on my account and it reported as a low hit to my credit.
Date: October 05, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I have been quoted higher prices from other companies for the same coverage, as well as lower prices from unknown companies. I am comfortable with the well-known company that I have now.
Date: September 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
Half of the communication I get from the insurance company is in the form of advertisements via email. I don't like these. But when I actually have to speak with someone, either over the phone or via chat on the website, they are always very nice and helpful. My questions are always resolved.
Date: August 24, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
There was a bit of a delay for the insurance inspector, but once the inspection was done, the claim was able to be run relatively quickly and we were able to get the repair made in a reasonable amount of time.
Date: July 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I am able to easily access the policy information and print any needed documents from the website. I don't think that I've used the mobile app but I have heard of it.
Nationwide Home Insurance Reviews
Date: September 05, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I would give my homeowner's insurance company a customer service rating of 4. While I do feel that my premiums are too high, I can always get help answering my questions when I need it, and the staff is friendly.
Date: December 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have no complaints with Nationwide as our homeowners insurance carrier. Thankfully we have never had to file a claim. The cost was decent and the coverage was good compared to other companies we shopped.
Date: November 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I think what they offer is pretty standard. They also provide me with discounts as a result of my other insurance needs being taken care of by them.
GEICO Home Insurance Reviews
Date: January 10, 2020 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Deductible is the same and cost less than my prior insurance carrier but I believe I increased it due to not having the need to use it.
Date: February 08, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The rates that the current insurance provides is better than the one we had previously for the same coverage.
Date: January 01, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I am satisfied with my home insurance policy offering, Geico had multiple policies I could chose from so I could pick the best value for me. Other insurance companies don't give offer so many easy and convenient options at such great prices.
Progressive Home Insurance Reviews
Date: January 01, 2020 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
my experiences with my insurance company have been positive so far i have not made any claims but the rates are low and i get regular emails from them.
Date: May 28, 2019 Age: 40 to 49 Gender: Unmarried Marital Status: Female
Premium
I would say that what Progressive charges for premiums and deductibles is pretty comparable to other insurance providers in the area.
Liberty Mutual Home Insurance Reviews
Date: December 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
There have been no issues so far with Liberty Mutual's customer service, there has been no issues in the house and the price for insurance isnt that bad.
Safety Insurance Home Insurance Reviews
Date: November 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Our policy covers our home's physical structure (the building itself) as well as many of our valuable personal belongings located inside.
Amica Mutual Insurance Home Insurance Reviews
Date: July 01, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Amica was the only home insurance company that was able to satisfy our needs with reasonable prices. My family and I required insurance for our home in addition to flood insurance.
Farmer's Insurance Home Insurance Reviews
Date: September 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I am satisfied with them, we chose them based on their price, but the policy seems to include everything we need and what other companies offer