How Can I Make My Des Moines, WA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Des Moines, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Des Moines, WA Home Insurance Coverage Levels | Back to Top
| Des Moines, 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 | |
| S 282nd Pl, SW 308th Pl, Redondo Way, S 268th Pl, S 201st St, S 233rd Ct, S 246th Pl, S 226th St, SW 309th Ct, SW 298th Pl | $462,000 | $420,000 | $500,000-$600,000 | $271,000 | $240,000 | $250,000-$300,000 |
| Hummingbird Ln, Salt Aire Pl S, S 230th St, S 273rd Ct, 12th Aly S, 16th Ln S, S 261st Pl, S 262nd Pl, S 265th St, 15th Pl S | $183,000 | $170,000 | $150,000-$175,000 | $111,000 | $90,000 | $100,000-$125,000 |
| S 266th Pl, S 249th Pl, S 227th St, SW 306th Ln, SW 293rd St, S 206th St, S 207th St, S 229th St, S 237th Ct, 193rd Pl | $290,000 | $260,000 | $250,000-$300,000 | $223,500 | $210,000 | $200,000-$250,000 |
| S 210th St, Redondo Shores Dr S, Woodmont Dr S, SW 299th Pl, 19th Ct S, S 231st Pl, S 223rd St, S 214th St, S 219th St, S 253rd St | $265,500 | $250,000 | $250,000-$300,000 | $156,000 | $140,000 | $150,000-$175,000 |
| S 209th Pl, 12th Ln SW, 28th Ct S, 20th Pl SW, S 195th Pl, S 232nd Pl, S 252nd Pl, S 257th Pl, Rainbow Ln, SW 309th St | $519,000 | $420,000 | $400,000-$500,000 | $283,500 | $260,000 | $300,000-$350,000 |
Estimate your Savings with Home Insurance Discounts in Des Moines, WA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $589 |
| Superior Protection Discount | -$62 | $623 |
| Fire & Security Discount | -$55 | $630 |
| Hail Resistant Roof Discount | -$14 | $671 |
| Newly Constructed Home Discount | -$192 | $493 |
Choose the Right Deductible for your Des Moines, 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 |
| King County | $1,500 | $1,080 | $2,580 | $785 | $2,285 | $295 |
| Des Moines, WA | $2,500 | $676 | $3,176 | $492 | $2,992 | $185 |
| Lake Morton-Berrydale, WA | $400 | $778 | $1,178 | $565 | $965 | $213 |
| Seattle, WA | $2,000 | $1,055 | $3,055 | $767 | $2,767 | $288 |
| Spanaway, WA | $400 | $647 | $1,047 | $470 | $870 | $177 |
| Rocky Point, WA | $2,000 | $709 | $2,709 | $516 | $2,516 | $194 |
| Allyn, WA | $1,000 | $819 | $1,819 | $595 | $1,595 | $224 |
| Seabeck, WA | $100 | $998 | $1,098 | $725 | $825 | $273 |
| Monroe, WA | $2,000 | $837 | $2,837 | $608 | $2,608 | $229 |
| South Whidbey Island, WA | $200 | $1,053 | $1,253 | $765 | $965 | $288 |
| Tenino, WA | $2,000 | $605 | $2,605 | $439 | $2,439 | $165 |
Identify Top Home Insurance Agents near Des Moines, WA | Back to Top
| Home Insurance Company Des Moines, WA | Homeowners Insurance Agency Des Moines, WA | Address | Popularity Score | Distance from Des Moines (miles) |
|---|---|---|---|---|
| Travelers | Parker Smith & Feek Inc | 2233 112th Avenue Ne, Bellevue, WA, 98004 | 17.6 | |
| Travelers | Heritage Insurance Inc | 10803 Se Kent Kangley Rd 206, Kent, WA, 98030 | 5.8 | |
| State Farm | Judiet Dere | 250 Sw 43rd St, Renton, WA, 98057-4936 | 5.6 | |
| Farmers | Bob Wagner | 24915 104th Ave Se, Kent, WA, 98030 | 5.4 | |
| Allstate | Thomas Abraham | 21010 108th Ave Se, Kent, WA, 98031 | 5.8 | |
| Farmers | Soutsakhone Soukphaly | 19032 66th Ave S Ste C107, Kent, WA, 98032 | 4.1 | |
| Allstate | Dee Briscoeray | 16720 116th Ave Se Ste B5, Renton, WA, 98058 | 7.4 | |
| Farmers | Kevin Busby | 21620 84th Ave S Ste 1, Kent, WA, 98032 | 4.3 | |
| Farmers | Jennifer Song | 2003 Maple Valley Hwy Ste 207, Renton, WA, 98057 | 8.5 | |
| Travelers | Aaa Insurance Agency | 115 E Willis St, Kent, WA, 98032 | 4.0 |
Compare Rates for Des Moines, 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 | $580 | $1,150 | $570 |
| King County, WA | $446,600 | $1,093 | $790 | $1,510 | $720 |
| Des Moines, WA | $290,700 | $685 | $490 | $970 | $480 |
| Lake Morton-Berrydale, WA | $363,600 | $787 | $540 | $1,120 | $580 |
| Seattle, WA | $439,300 | $1,068 | $760 | $1,460 | $700 |
| Spanaway, WA | $203,100 | $655 | $450 | $920 | $470 |
| Rocky Point, WA | $213,900 | $718 | $490 | $990 | $500 |
| Allyn, WA | $301,000 | $829 | $600 | $1,140 | $540 |
| Seabeck, WA | $394,800 | $1,010 | $700 | $1,420 | $720 |
| Monroe, WA | $329,500 | $847 | $620 | $1,170 | $550 |
| South Whidbey Island, WA | $414,600 | $1,066 | $780 | $1,460 | $680 |
| Tenino, WA | $144,300 | $612 | $450 | $860 | $410 |
Research Home Insurance Companies Reviews in Des Moines, WA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: April 24, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I feel that my home insurance appears to offer about the same policies as most other insurance providers. I have not needed to look elsewhere for a certain coverage.
Date: April 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
i am happy with allstate they have a local office and i can talk to people face to face which makes things so much easier then talking to people on a phone all day and their prices.
Date: March 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I think that my policy is a decent value. Compared to some other companies I think its a little cheaper.
Date: February 21, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The premium and deductible my home insurance policy offers is very similar to other companies, but it is a slightly better rate than the others based on the calculations I made when choosing the right company.
Date: November 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I had another insurance company that charged twice of what I am paying now and did not offer all of the coverage that I receive now.
Farmer's Insurance Home Insurance Reviews
Date: April 23, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I have owned my home and my only interaction with my home insurance company is to pay my bills. I'm ok with that, but it means that I don't really have any experience.
Date: April 19, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
i feel that the policy that i have was more affordable then other policys i was qouted and they are more reasonabe in regards to price. The premium also includes flooding and water damage.
Date: April 15, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I'd give it a 4. My local agent is very friendly and helpful, but I've had trouble with the headquarters switching my address.
Progressive Home Insurance Reviews
Date: April 09, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I hate to continue to rephrase our situation regarding these questions, but our policy setup by our original mortgage company on the purchase of our new home.
Date: March 10, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I'm not quite sure how they compare to other companies so we should probably check. We added on to our car insurance with them.
Travelers Home Insurance Reviews
Date: April 03, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
We have never had a problem getting either claim covered, processed and paid. I have heard other people who can't say that about their home insurer's.
Date: March 28, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
We have been in our home for seven years and have not needed to make use of the deductible. The premium seems pretty average for the type of coverage we receive..
Liberty Mutual Home Insurance Reviews
Date: March 07, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I have had very limited experience with my home insurance company. They seem to be very professional and easy to work with. Their rates are very reasonable and the product cover everything we need it to.
Nationwide Home Insurance Reviews
Date: March 16, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I have Nationwide Insurance and I have never really compared to other companies. They have been my provider for over 25 years.
GEICO Home Insurance Reviews
Date: November 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
it has been horrible. they do not want to help when I have had any problems. When we had fire problems that were not our problems they did not want to help with anything.
State Farm Home Insurance Reviews
Date: January 16, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
As far as I know, their policy offerings are as complete as any other insurance company for home insurance. I haven't researched this much.