Sprague, WA Homeowners Insurance Rate Quotes!

Did you know that the Sprague home insurance coverage type titled "HO-3" is the most common type of homeowners insurance policy in your area? It's important to protect your Sprague home from loss and against all perils. You may want to consider shopping your homeowners insurance rates in Sprague and let us help you compare coverage options and lower prices. With premiums consistently increasing, customers enjoy our easy to use home insurance shopping service. We represent the top rated companies in Sprague and can review with you the best coverages and discounts available. Our insurance professionals are located in Washington and are ready to help you!

How to Review and Compare Sprague, WA Premiums!

You may find it interesting to know that the state of Washington may not be considered the cheapest state in the country to buy a homeowners policy, because it does rank lower than average at a national rank of 43. The average annual premium for Washington is $937. All states combined you are looking at a national average of $1311 per year. You can easily shop and compare rates today for free to see how you can save hundreds on your new premium. A basic policy can see lower than $440 per year for home insurance, while other homeowners with higher replacement cost due to square footage or upgraded kitchens and bathrooms may see rates as high as $990. It's important to know that a standard homeowners insurance policy doesn't cover flooding, hurricane damage or earthquake damage which will also increase the rate of your premium because you are merging multiple protection policies together. Most of all, getting the best coverage at an affordable rate is key to a powerful online home insurance shopper like yourself. Can we help you discover more affordable home insurance rates today for your home in Sprague, WA? Shop online or give us a call now: 1-855-976-2656.

Sprague, WA Home Facts

The city of Sprague in Washington is roughly around 446 residents in population size with 197 occupied homes within the city of Sprague. The average family household in Sprague is 128.

Compare Homeowners Insurance Rates in Sprague, WA!

Average Rates Nearby Sprague

Are you looking for homeowners insurance in a city near Sprague? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

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Home Insurance Rates by Zipcode in Sprague, WA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Sprague.

99032,     

Homeowners insurance will help cover the cost to repair or replace your Sprague 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 Sprague
• 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.

Saving Money Tips on Sprague Home Insurance

A great way to save money on Sprague 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 Sprague area? Check out what homeowners are paying on average for Washington homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Sprague, 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 Lincoln County.

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