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Answers (5)
- Eric Kossian, "InsurePro"
- Contributions:29
Typical home insurance in the greater Seattle area ranges from $400 to $1200.+ It depends on many factors: age of the home, type of foundation, wiring, plumbing, age and condition of roof and size and design of the home. Credit score can give you up to 50% off with a few companies, as there is a much less statisical likelyhood of claims being submitted for people with higher credit scores. Even if you start a policy now at your current credit score, at each renewal you can call your agent an have your credit score rerun; if your score has impoved your rate will go down.
Townhomes, where you own the land under the unit, would be insured under a homeowners policy. Condo's (which could look like townhomes or apartments) would be insured under an Assoc. master policy. You would then pay a portion of your home assoc. dues for the property insurance. Additionally, you would purchase a condo policy to cover your contents, generally about $200 yr.
If buying a condo, please be sure to see my answer to the question, "Earthquake insurance, is it worth it?"
Townhomes, where you own the land under the unit, would be insured under a homeowners policy. Condo's (which could look like townhomes or apartments) would be insured under an Assoc. master policy. You would then pay a portion of your home assoc. dues for the property insurance. Additionally, you would purchase a condo policy to cover your contents, generally about $200 yr.
If buying a condo, please be sure to see my answer to the question, "Earthquake insurance, is it worth it?"
- Courtney Cooper, "CourtneyCooper"
- Contributions:377
There are some different factors, but I have a couple insurance agent recommendations if you need them. My guess based on what I have seen recently is between $400 and $600 a year, but this can vary largely based on many factors.
I use the same insurance carrier for my car, homeowners and even life so that I can get big loyalty discounts, but shopping around is the best idea. You might also check with your employer because a lot of employers are member or participate in various programs with some companies. For instance when my husband was at WAMU, we got very nice discounts as an employee there.
Most insurance companies will offer you discounts if you use direct withdrawal form your bank account for payments, too. Just ask them what discounts are available. Let me know if you need help.
I use the same insurance carrier for my car, homeowners and even life so that I can get big loyalty discounts, but shopping around is the best idea. You might also check with your employer because a lot of employers are member or participate in various programs with some companies. For instance when my husband was at WAMU, we got very nice discounts as an employee there.
Most insurance companies will offer you discounts if you use direct withdrawal form your bank account for payments, too. Just ask them what discounts are available. Let me know if you need help.
- Linda Strasberg, "L Strasberg"
- Contributions:2315
I've found that you can get a really good deal when you do business with the same insurance carrier that insures your cars...shop around.
- Sam DeBord, "SeattleHome.com"
- Contributions:3472
You should give an insurance agent a call, it will only take them a few minutes to get you a good quote - try your car insurance company, most have a property insurance group.
An older house with knob and tube wiring could cost much more per sq ft than a new one, so it's really specific based on the house.
An older house with knob and tube wiring could cost much more per sq ft than a new one, so it's really specific based on the house.
- Geordy Rostad, "geordy"
- Contributions:991
In certain complexes, insurance may be included in the home owner dues but it all depends how the association is set up. There are plenty of lenders on here so I'm sure you'll get some good answers.
How much is homeowner's insurance?
Is there any difference for a townhouse and a detached house? (We're first-time buyers and new to all the costs of home ownership!)
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