Average homeowners insurance cost in Bellevue, WA

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In Bellevue, homeowners pay an average annual rate of $1,458 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,124 less than the national average of $2,582 .

Homeowners insurance rates change from one home to another. The home insurance premium in Bellevue depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Bellevue, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Bellevue.

Key Takeaways

The average cost of homeowners insurance in Bellevue is $1,458 per year.
Nationwide is the cheapest homeowners insurance company in Bellevue with an average annual premium of $981 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $314 more a year for home insurance.

Average homeowners insurance cost in Bellevue per month

Residents of Bellevue pay an average of $121 a month for homeowners insurance. It’s $12 less than the state average of $133 and $94 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Bellevue may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Bellevue, homeowners pay an average of $1,144 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

Homeowners in Bellevue typically pay an average of $1,458 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $314 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Bellevue by company

After comparing several homeowners insurance companies, Nationwide offers the lowest rates in Bellevue. Its average annual rate for homeowners in Bellevue is $981 , while PEMCO is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Bellevue and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Bellevue and their average annual premiums.

Home Insurance Company	Annual rate
Nationwide	$981
PEMCO	$1,051
Allstate	$1,119
Farmers	$1,419
State Farm	$1,339
USAA*	$2,081

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Washington that can impact your home insurance

Living in Washington means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Washington is commonly affected by Landslide and Volcanic activity.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Bellevue for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.