Average homeowners insurance cost in Vancouver, WA

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.

As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Vancouver is $1,519 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,063 less than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Vancouver depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Nationwide is the cheapest homeowners insurance company in Vancouver with an average annual premium of $1,519 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Vancouver. Keep reading to learn about the monthly cost of homeowners insurance in Vancouver, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Vancouver.

Key takeaways

The average cost of homeowners insurance in Vancouver is $1,519 per year.
Nationwide is the cheapest homeowners insurance company in Vancouver with an average annual premium of $934.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $327 more a year for home insurance.

Average homeowners insurance cost in Vancouver per month

Vancouver homeowners pay an average of $127 a month, based on our rate analysis. It’s $6 less than the state average of $133 and $88 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Vancouver may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Vancouver

The average cost of homeowners insurance in Vancouver, WA is $1,192 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.

Average homeowners insurance cost for a $300,000 house in Vancouver

As per rate analysis by Insure.com, homeowners residing in Vancouver typically pay an average of $1,519 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 $327 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.

Average homeowners insurance cost in Vancouver by company

Among the carriers analyzed, Nationwide is the most affordable homeowners insurance company in Vancouver. It’s average annual rate for homeowners in Vancouver is $934.

Allstate, ranks second and PEMCO makes it to the third spot with an average annual home insurance rate of $1,090.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Vancouver and compiled a list of the most affordable home insurance companies.

Below are details of Vancouver home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Nationwide	$934
Allstate	$1,051
PEMCO	$1,090
Farmers	$1,377
State Farm	$1,356
USAA*	$2,399

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Vancouver 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.