Homeowners Insurance in Sammamish, WA

Experts break down homeowners insurance costs, coverage, companies, and more in Sammamish, WA.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Beautiful few acres of land with large driveway leading to home with two car garage. Sammamish, Washington Homeowners Insurance.

The town of Sammamish, Washington has more than 65,000 residents. When you own a home in this larger city, the right coverage can mean the difference between whether a claim is paid or not. An independent insurance agent can help for free so that you don't have to figure it out on your own.

A Sammamish, Washington independent insurance agent can find a policy that suits your needs and budget. They work with top-rated carriers, giving you the best options around. Connect with a local agent to get started today.

What Is Homeowners Insurance?

Sammamish, Washington homeowners' insurance can help cover your most significant asset. Coverage will protect against property damage and liability losses that come your way. To get the right policy, you must know how your insurance works.

What Does Homeowners Insurance Cover in Sammamish, Washington?

Your Sammamish, Washington homeowners policy will come with standard coverage options. These coverages are broken down into limits, which will be unique to your household. Below are common primary coverages chosen on home insurance:

  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal liability: Pays for bodily injury, property damage, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.

Did you know that your homeowners insurance will not have coverage for flooding? A separate flood insurance policy must be bought to have protection against flood damage. Without it, you'll be responsible for any out-of-pocket expenses.

Common Disasters Homeowners Insurance Covers in Sammamish, Washington

Each area will come with common disasters that strike more often. In Sammamish, Washington, your homeowners policy will have coverage for these major catastrophes:

  • Theft and vandalism
  • Wind
  • Hail
  • Severe storms
  • Fire
  • Lightning

Sammamish's weather-related statistics:

  • The number of natural disasters in King County: 30
  • Major presidentially declared disasters: 27
  • Emergencies declared: 1

Let's look at the top three causes:

  • Floods: 21
  • Storms: 16
  • Mudslides: 11

How Much Does Homeowners Insurance Cost in Sammamish, Washington?

The cost of your Sammamish, Washington homeowners insurance will be different than anyone else. This is because each policy is rated on individual risk factors. You won't be able to know your premiums without custom quotes, but you can see the items that carriers use to determine your pricing below:

  • How close you are to a fire department
  • If you have a pool, trampoline, or pet
  • Where you live
  • How many claims you've filed
  • The materials of your home
  • The square footage of your home
  • The cost to replace your home
  • How close you are to a fire hydrant
  • How new your house is
  • Your credit score

Cheap Homeowners Insurance near Me

When looking for the cheapest homeowners insurance in Sammamish, Washington, you don't have to sacrifice coverage. Below are the average home premiums in the state and country:

  • National average annual premium: $1,211
  • Washington average annual premium: $854

One way to cut costs is to bundle your home and auto insurance with the same carrier. This can save you an average of 30% or more on coverage. Plus, if you have good credit, a central station burglar alarm, and no past losses, you'll get even deeper discounts on protection. 

What Are the Best Homeowners Insurance Companies in Sammamish, Washington?

The best is relative, but reputation matters when it comes to finding an insurance company. In Sammamish, Washington, the carriers below are at the top:

Best Homeowners Insurance Companies in Sammamish, WA Star Rating
5 star rating
5 star rating
4.5/5 star rating

These carriers have high rankings due to superior customer service and claims handling. To get the right coverage for your home, consider obtaining quotes from these options.

How an Independent Insurance Agent Can Help Find Homeowners Insurance in Sammamish, Washington

Proper protection for your home matters. The right coverage is only a click away and can be easier if you work with a local agent. There are multiple carriers and limits, making finding the best policy challenging when you do it independently. 

Fortunately, a Sammamish, Washington independent insurance agent can help you get the best rates on coverage through top-rated carriers. They do the shopping while you get presented with competitive choices. Get connected with a local expert for free.

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