Gavop's guide to buying homeowners insurance in Adams 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $86,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $147,500 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $168,000 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $177,500 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $469 |
| Superior Protection Discount | -$58 | $521 |
| Fire & Security Discount | -$46 | $533 |
| Hail Resistant Roof Discount | -$17 | $562 |
| Newly Constructed Home Discount | -$156 | $423 |
| 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 |
| Adams County | $1,000 | $572 | $1,572 | $416 | $1,416 | $156 |
| Adams County, WA | $1,000 | $572 | $1,572 | $416 | $1,416 | $156 |
| Lind, WA | $100 | $496 | $596 | $360 | $460 | $136 |
| Odessa, WA | $700 | $543 | $1,243 | $395 | $1,095 | $149 |
| Wilson Creek, WA | $200 | $496 | $696 | $360 | $560 | $136 |
| Mesa, WA | $700 | $523 | $1,223 | $380 | $1,080 | $143 |
| Sprague, WA | $500 | $496 | $996 | $360 | $860 | $136 |
| Harrington, WA | $1,500 | $519 | $2,019 | $377 | $1,877 | $142 |
| Basin City, WA | $400 | $619 | $1,019 | $450 | $850 | $169 |
| Gloyd, WA | $2,500 | $765 | $3,265 | $556 | $3,056 | $209 |
| Eureka Flat, WA | $100 | $616 | $716 | $447 | $547 | $168 |
| Lincoln County, WA | $1,500 | $572 | $2,072 | $416 | $1,916 | $156 |
| Home Insurance Company Adams County, WA | Homeowners Insurance Agency Adams County, WA | Address | Popularity Score | Distance from Adams County (miles) |
|---|---|---|---|---|
| Allstate | Greg Schlagel | 1101 S Pioneer Way # A, Moses Lake, WA, 98837 | 34.6 | |
| Liberty Mutual Independent | Ed Poe Agency | 103 S Columbia Ave, Connell, WA, 99326 | 26.3 | |
| Travelers | Sloan Leavitt Insurance Agency Inc | 91 S 6th Ave, Othello, WA, 99344 | 30.6 | |
| Allstate | Debra Graser | 321 S Beech St Ste F, Moses Lake, WA, 98837 | 35.4 | |
| Liberty Mutual Independent | Ed Poe Agency | 103 N Columbia Ave, Connell, WA, 99326 | 26.3 | |
| State Farm | Ariel Garza | 1010 S Pioneer Way Ste A, Moses Lake, WA, 98837-4411 | 34.6 | |
| Farmers | Tom Chaplin | 118 W 4th Ave, Moses Lake, WA, 98837 | 35.3 | |
| State Farm | Bruce Snyder | 504 S Division St, Moses Lake, WA, 98837-1959 | 35.2 | |
| State Farm | Kim Janke | 420 W Brdwy Ave Ste A, Moses Lake, WA, 98837-3835 | 35.5 | |
| Liberty Mutual Independent | Hub International Northwest Llc | 821 E Broadway 821 E Broadway Moses Lake, Moses Lake, WA, 98837 | 35.0 |
| 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 |
| Adams County, WA | $150,300 | $579 | $420 | $830 | $410 |
| Adams County, WA | $150,300 | $579 | $390 | $810 | $420 |
| Lind, WA | $95,000 | $502 | $350 | $690 | $340 |
| Odessa, WA | $114,700 | $550 | $400 | $750 | $350 |
| Wilson Creek, WA | $95,200 | $502 | $360 | $700 | $340 |
| Mesa, WA | $105,900 | $529 | $380 | $740 | $360 |
| Sprague, WA | $95,000 | $502 | $340 | $690 | $350 |
| Harrington, WA | $104,200 | $525 | $370 | $720 | $350 |
| Basin City, WA | $152,900 | $627 | $460 | $870 | $410 |
| Gloyd, WA | $259,300 | $774 | $570 | $1,070 | $500 |
| Eureka Flat, WA | $150,500 | $623 | $440 | $890 | $450 |
| Lincoln County, WA | $150,500 | $579 | $420 | $820 | $400 |