Home Home insurance Average home insurance cost Missouri Spokane, MO How much is Homeowners Insurance in Spokane, MO By Insure.com's Editor | Posted on April 25, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. The average cost of homeowners insurance in Spokane is $3,397 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s ~$1,115 more than the national average of $2,282. However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Spokane depend on a number of factors, including: Size of your home Age of your home Amount of coverage you need Location Your credit score To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Spokane, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Spokane. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Spokane. How much is homeowners insurance in Spokane per month Spokane homeowners pay an average of $283.08 a month, based on our rate analysis. It’s ~$25 more than the state average of $257.75 and ~$93 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Spokane may vary depending on where you live, the value of your home, and the coverage you choose. How much is homeowners insurance for a $200,000 house in Spokane The average cost of homeowners insurance in Spokane, MO is $2,709 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city. Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage. How much is homeowners insurance for a $300,000 house in Spokane According to a rate analysis by Insure.com, homeowners in Spokane pay an average of $3,397 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $688 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in Spokane by Company Among the carriers analyzed, Nationwide Corp Grp is the cheapest homeowners insurance company in Spokane. Its average annual rate for Spokane homeowners is $2,715 . Travelers Grp ranks second and United Serv Automobile Assn Grp makes it to the third spot with an average annual home insurance rate of $3,155 . Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Spokane and prepared a list of the top ten cheapest home insurance providers. You can find below the Spokane home insurance companies and their average annual premium. Home Insurance CompanyAnnual rateState Farm Grp$3,974American Family Ins Grp$3,737Allstate Ins Grp$3,574Shelter Ins Grp$3,482Liberty Mut Grp$3,471United Serv Automobile Assn Grp$3,155Travelers Grp$3,032Nationwide Corp Grp$2,715 How much is home insurance in other citiesKansas CityMountain View Related Articles Does homeowners insurance cover fences? 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