Home Home insurance Average home insurance cost Missouri Spokane, MO How much is Homeowners Insurance in Spokane, MO View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's Editor | Updated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost of homeowners insurance in Spokane is $3,905 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 $1,323 more than the national average of $2,582. 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. Key takeawaysThe average cost of homeowners insurance in Spokane is $3,905 per year. Auto Club Enterprises (AAA) is the cheapest homeowners insurance company in Spokane with an average annual premium of $2,176. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,041 more a year for home insurance. How much is homeowners insurance in Spokane per month Spokane homeowners pay an average of $325 a month, based on our rate analysis. It’s $31 more than the state average of $294 and $110 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 In Spokane, MO, homeowners pay an average of $2,864 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. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. How much is homeowners insurance for a $300,000 house in Spokane As per rate analysis by Insure.com, homeowners residing in Spokane typically pay an average of $3,905 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible. Your home insurance rates will be increased by $1,041 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire 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, Auto Club Enterprises (AAA) is the most affordable homeowners insurance company in Spokane, offering an average annual rate of $2,176. State Farm ranks second, while American Family holds the third spot with an average annual rate of $3,338. Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Spokane and compiled a list of the most affordable options. Below are the details of home insurance companies in Spokane and their average annual premiums. Home insurance company Annual rate Auto Club Enterprises (AAA)$2,176State Farm$2,708American Family$3,338Allstate$3,519Shelter Insurance$3,590Nationwide$4,759Farmers$7,295USAA*$3,045 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Spokane for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesKansas CityMountain View In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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