Get Medina, WA Home Insurance Rates!
As experienced homeowners insurance agents proudly serving Medina, Washington, we specialize in helping local homeowners find the right combination of affordable rates and reliable protection. Our easy-to-use online quoting platform allows you to quickly compare homeowners insurance quotes from multiple top-rated carriers in Medina. In just minutes, you can review up to 12 personalized quotes side by side, making it simple to evaluate both pricing and coverage options.
Whether you are buying a new home, renewing your current policy, or looking to lower your premium in Medina, our system helps you explore essential coverages such as dwelling protection, personal property coverage, liability insurance, and additional living expenses (ALE). We also help you identify discounts you may qualify for, ensuring you get the best value for your homeowners insurance policy in Washington. Simply enter your Washington zip code to get started and secure the protection your home deserves.
Homeowners in Medina, WA often ask what they should expect to pay for coverage. On average, homeowners insurance in Medina costs about $96 per month, or approximately $1,151 per year. These estimates are based on a standard HO-3 homeowners insurance policy, which provides broad protection against most common risks unless specifically excluded.
Keep in mind that insurance rates in Medina can vary based on several factors, including your home's age, construction type, location, and claims history. Because each insurance company evaluates risk differently, comparing multiple quotes is one of the most effective ways to find the best rate. We also help homeowners review important optional coverages, including wind and hail protection, as well as flood insurance options, which are not typically included in standard policies.
Homeowners Insurance & Housing Insights in Medina, Washington
How many people live in Medina?
Medina, WA has a population of approximately 2,969 residents. Population trends can influence housing demand, rebuilding costs, and overall insurance rates in the area.
How many homes are in Medina?
There are about 1,062 housing units in Medina. Housing density and neighborhood development can impact insurance pricing and risk assessments.
What is the average household income in Medina?
The average household income in Medina is approximately $212,337. This can sometimes influence deductible choices and coverage selections for homeowners.
What is the average home value in Medina?
Homes in Medina have an average value of around $2,000,000. This is an important starting point when determining the proper dwelling coverage for your homeowners insurance policy.
What is replacement cost and why does it matter?
Replacement cost is the estimated amount needed to rebuild your home using similar materials and construction methods at today’s prices. Unlike market value, it does not include the cost of land. Ensuring your home is properly insured to its replacement cost is critical to avoiding coverage gaps in the event of a total loss. To learn more, visit our replacement cost guide or use our home replacement cost calculator to estimate your home's rebuild value.
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Average Home Insurance Rates Nearby Medina, WA
Are you looking for homeowners insurance in a city near Medina? We offer services in your local area, rates and coverages are available and best reviewed by zip code, please enter your zip code to get the best homeowners insurance rates available near Medina, WA. Below are some of our most recent quoted areas near Medina.
Home Insurance Rates by Zipcode in Medina, WA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Medina.
Medina, WA Home Insurance Average Premiums
$370 /yr.
For the city of Medina, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $370 /yr. |
| Average Coverage: | $620 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $920 /yr. |
What is the average home insurance cost for a home in Medina, WA?
- • The average homeowners insurance premium paid annually for a home in Medina is around $620 per year.
What does it cost on average per month for home insurance in Medina, WA?
- • Homeowners in Medina pay an average cost per month around $52.00 for insurance coverage.
Medina, WA Coastal Wind, Hail & Flood Information
Medina is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Medina is know for it's beautiful beaches and waterways. Because King County (FIPS: 53033) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Medina, WA.
Medina, WA - 2026 Average House Value & Dwelling Information
| Month | Current Home Value (2025-2026) |
|---|---|
| January 2026 | $4,382,747 |
| December 2025 | $4,384,686 |
| November 2025 | $4,391,428 |
| October 2025 | $4,392,553 |
| September 2025 | $4,389,823 |
Homeowners insurance will help cover the cost to repair or replace your Medina home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Medina
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person's property, your child hitting a baseball through a neighbor's window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
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What Does a Standard Homeowners Policy Cover?
A typical homeowners insurance policy in Medina includes protection for:
- Dwelling Coverage – Protects the structure of your home
- Other Structures – Covers detached garages, sheds, barns, and similar outbuildings
- Personal Property – Covers furniture, electronics, clothing, and belongings
- Loss of Use – Helps pay temporary living expenses if your home becomes uninhabitable due to a covered loss
- Personal Liability – Protects you against lawsuits or injury claims
- Medical Payments – Covers minor injuries to guests regardless of fault
Our agents will walk you through your coverage line by line so you fully understand what is included — and what may require additional endorsements. We also review optional protections such as flood or earthquake coverage, where applicable.
Saving Money Tips on Medina Home Insurance
A great way to save money on Medina homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount's insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Medina area? Check out what homeowners are paying on average for Washington homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 16 ft. | This is the average home elevation in Medina, WA | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Medina, Washington. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Medina, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in King County.
Washington Homeowners Insurance News & Information
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California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026
California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]
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Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026
If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]
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Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]
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Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026
Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]
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Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025
Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]
Medina, WA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Medina so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Medina, WA?
- The average square footage in Medina is around 4,525 Sq. Ft. which would cost you around $2,000,000 to replace the home if you base the home on the price to build per square foot of $442.
Minimum Replacement Cost Total: $2,000,000
Location: Medina, Washington (King County)
Average Building Cost Per Square Foot in Medina: $442 (low end)
Average Square Footage in Medina: 4,525 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $442 | $2,000,000 |
| Some Additional Upgrades | $553 | $2,500,000 |
| Major Home Updates or Advancements | $663 | $3,000,000 |
The dwelling coverage is calculated by the average cost per square foot ($442) in Medina, Washington times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,381,250 (Media price to build of $553 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.