Gavop shows you how to buy homeowners insurance in Birch Bay, 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 | $92,500 | $90,000 | $100,000-$125,000 |
| 2 Bedroom | $193,500 | $180,000 | $175,000-$200,000 |
| 3 Bedroom | $211,500 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $401,000 | $370,000 | $400,000-$500,000 |
| 5 Bedroom | $266,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$102 | $537 |
| Superior Protection Discount | -$58 | $582 |
| Fire & Security Discount | -$51 | $588 |
| Hail Resistant Roof Discount | -$19 | $620 |
| Newly Constructed Home Discount | -$147 | $492 |
| 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 |
| Whatcom County | $700 | $793 | $1,493 | $576 | $1,276 | $217 |
| Birch Bay, WA | $2,500 | $632 | $3,132 | $459 | $2,959 | $173 |
| Ferndale, WA | $200 | $676 | $876 | $491 | $691 | $185 |
| Sumas, WA | $1,500 | $637 | $2,137 | $463 | $1,963 | $174 |
| Bow, WA | $400 | $738 | $1,138 | $536 | $936 | $202 |
| Peaceful Valley, WA | $700 | $606 | $1,306 | $440 | $1,140 | $166 |
| Burlington, WA | $300 | $658 | $958 | $478 | $778 | $180 |
| Swinomish Reservation, WA | $2,000 | $791 | $2,791 | $575 | $2,575 | $216 |
| Sedro-Woolley, WA | $400 | $651 | $1,051 | $473 | $873 | $178 |
| Mount Vernon, WA | $2,000 | $680 | $2,680 | $494 | $2,494 | $186 |
| Lake Ketchum, WA | $500 | $796 | $1,296 | $579 | $1,079 | $218 |
| Home Insurance Company Birch Bay, WA | Homeowners Insurance Agency Birch Bay, WA | Address | Popularity Score | Distance from Birch Bay (miles) |
|---|---|---|---|---|
| Travelers | Madrona Point Insurance | 365 North Beach Rd Ste 106, Eastsound, WA, 98245 | 15.8 | |
| Travelers | Guide Insurance Services Inc | 8108 Guide Meridian Rd, Lynden, WA, 98264 | 11.8 | |
| Travelers | Rice Insurance Llc | 1400 Broadway, Bellingham, WA, 98225 | 14.8 | |
| Liberty Mutual Independent | Kelley Insurance Agency Inc | 103 W Main St, Everson, WA, 98247 | 18.1 | |
| Allstate | Scott Richardson | 1901 N State St Ste A, Bellingham, WA, 98225 | 15.8 | |
| Travelers | Magas Insurance Inc | 2615 Meridian, Bellingham, WA, 98225 | 14.7 | |
| State Farm | Billy Slesk | 5615 3rd Ave, Ferndale, WA, 98248 | 7.5 | |
| Allstate | Richard Coltran | 1841 Front St Ste H, Lynden, WA, 98264 | 12.3 | |
| Travelers | Duane Sammons Ins Center Inc | 1414 Broadway, Bellingham, WA, 98225 | 14.8 | |
| Allstate | Blaine Insurance Agency, Inc. | 288 Martin St, Ste 201 , Blaine, WA, 98230 | 6.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Washington | $286,800 | $809 | $570 | $1,140 | $570 |
| Whatcom County, WA | $299,800 | $802 | $580 | $1,140 | $560 |
| Birch Bay, WA | $248,200 | $639 | $440 | $890 | $450 |
| Ferndale, WA | $290,000 | $684 | $490 | $940 | $450 |
| Sumas, WA | $253,000 | $644 | $460 | $890 | $430 |
| Bow, WA | $338,900 | $747 | $510 | $1,060 | $550 |
| Peaceful Valley, WA | $144,800 | $613 | $450 | $840 | $390 |
| Burlington, WA | $212,600 | $666 | $490 | $910 | $420 |
| Swinomish Reservation, WA | $280,600 | $801 | $580 | $1,150 | $570 |
| Sedro-Woolley, WA | $206,700 | $659 | $480 | $940 | $460 |
| Mount Vernon, WA | $231,000 | $688 | $470 | $960 | $490 |
| Lake Ketchum, WA | $284,100 | $806 | $560 | $1,110 | $550 |