Get White Salmon, WA Home Insurance Rates!

Around 2,224 people are living within the city of White Salmon and the average family household is around 3 people per home. The total number of homes likely to be insured with a homeowners policy is around 1039 and the total number of occupied households is roughly 921. White Salmon homeowners are looking to easily compare insurance rates and coverage options with great prices and coverage that equals protection and peace of mind. At GetHomeInsuranceQuotes.com, we can shop up to 12 rates and coverage options among some of the best insurance providers in your area.

Home Insurance Cost in White Salmon is a Bargain

Homeowners insurance pricing is very competitive in the city of White Salmon. We pay an average annual premium of $937 while the rest of the country is paying a median price of $1,311. This means that Washington ranks 43 in the country when it comes to the annual cost of paying for a homeowners policy.

Avg. WA Rate	Discounts	Savings	Shop Rates
$937	up to 40% off	$375	Get WA Rates!

Types of White Salmon Homeowners Coverage

Did you know there are different types of home insurance coverage options? Each one is specifically designed for a certain type of housing. Here is an overview of the common homeowners insurance types that consumers can purchase in White Salmon.

HO-3: This is by far the most common homeowners policy available. It will cover all perils, with the exception of certain perils listed on your policy, such as flooding and earthquake damage.
HO-2: This is a very basic policy. It only covers damage from certain perils that are stated in the policy. If the peril is not listed, it will not be covered. Your personal property is also covered. Most home insurance agents don't recommend these policies except for the most basic coverage needs. An HO-2 policy is usually for homeowners with no mortgage and the current home they are living in is paid in full. Most mortgage providers will not allow homeowners to have an HO-2 policy.
HO-4: The HO-4 policy is for renters. It will protect all of the personal property in your apartment, up to your policy limits, as well as offering liability coverage. The liability portion of the policy will protect your financial assets if someone is injured in your apartment. It will pay for any medical costs as well as defend you in a lawsuit if you happen to be sued. These polices are very affordable and should definitely be considered if you currently live in an apartment.

The city of White Salmon has a median household income of $65,549 it is above the national average of $68,703. Housing is another great reason to live in White Salmon with the average home costing $367,000.

Demographic	Values
Population	2,224
Total Occupied Households	921
Family Households (families)	559
Average Owner Occupied Household Size	2.42
Average Family Size	3.09
Total Housing Units	1039

Compare Homeowners Insurance Rates in White Salmon, WA!

Get up to 12 competitive White Salmon, WA homeowners insurance rates all in one place!

Average Rates Nearby White Salmon

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

Home Insurance Rates by Zipcode in White Salmon, WA

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

98672,

White Salmon, WA Home Insurance Average Premiums

Local White Salmon, WA home insurance quotes comparison

$432 /yr.

Shows White Salmon's lowest average rates with discounts applied.

For the city of White Salmon, 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)	$432 /yr.
Average Coverage:	$682 /yr.
2600 sq. ft. or higher (all discounts applied)	$982 /yr.

What is the average home insurance cost for a home in White Salmon, WA?

• The average homeowners insurance premium paid annually for a home in White Salmon is around $682 per year.

What does it cost on average per month for home insurance in White Salmon, WA?

• Homeowners in White Salmon pay an average cost per month around $57.00 for insurance coverage.

White Salmon, WA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$672,201	$633,498
February	$669,665	$647,756
March	$670,001	$665,175
April	$671,861	$681,432

Homeowners insurance will help cover the cost to repair or replace your White Salmon 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 White Salmon
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.

Get up to 12 competitive White Salmon, WA homeowners insurance rates all in one place!

Saving Money Tips on White Salmon Home Insurance

A great way to save money on White Salmon 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 White Salmon 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
820 ft.	This is the average home elevation in White Salmon, WA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Washington flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in White Salmon, 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 Klickitat County.

Washington Homeowners Insurance News & Information

I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
Man thinking about prices on real estate, car, phone, good. Man can’t afford to buy things. High cost of living. Finance troubles. Vector illustration in cartoon style. According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

White Salmon, WA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in White Salmon 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 White Salmon, WA?

- The average square footage in White Salmon is around 1,517 Sq. Ft. which would cost you around $367,000 to replace the home if you base the home on the price to build per square foot of $242.

Minimum Replacement Cost Total: $367,000

Location: White Salmon, Washington (Klickitat County)

Average Building Cost Per Square Foot in White Salmon: $242 (low end)

Average Square Footage in White Salmon: 1,517 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$242	$367,000
Some Additional Upgrades	$303	$458,750
Major Home Updates or Advancements	$363	$550,500

Calculate Your White Salmon, WA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($242) in White Salmon, 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 $756,250 (Media price to build of $303 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.