Whatcom County, WA Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Whatcom County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Whatcom County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Washington. It's important for you to know the coverage options available for your home within Whatcom County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

Whatcom County Coastal Home Insurance Rate Quotes

Whatcom County is in a coastal area, it's important to know that flood zones are crucial along the coast that are prone to major hurricanes and tropical storms. Flood insurance programs can be offered to you through your current home insurance carrier or through the National Flood Insurance Programs available in Whatcom County. Speaking with a licensed professional at GetHomeInsuranceQuotes.com allows you to review all coverage options and apply coverages like flood, hurricane insurance and wind hail coverage. Let us help you get the right coastal insurance coverage for your home in Whatcom County.

For Whatcom County, WA homeowners, it's important to know that the average home insurance policy in Washington is estimated to be around $78.08 per month. That amounts to $937 per year for a standard (HO-3) homeowners insurance policy for residents living in Whatcom County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Washington is now ranked 43 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Whatcom County, WA along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Whatcom County home insurance coverage to make sure you are covered when you need it the most.

For all Whatcom County, WA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in Whatcom County? Simply enter your zip code to get your Washington homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Whatcom County, WA Housing Demographics

With 201,140 residents living within the Whatcom County area there are over 90,665 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 48,862 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Whatcom County.

Whatcom County, WA Coastal Wind, Hail & Flood Information

For all homeowners living in Whatcom County (FIPS: 53073), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Washington is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Whatcom County, WA, it's important that you look into hurricane and windstorm insurance options.

Whatcom County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Washington.

Helpful Articles:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

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As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Washington homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Whatcom County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Whatcom County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Whatcom County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.