Homeowners insurance in Yakima, WA

How much is home insurance in Yakima, WA?

The average cost of homeowners insurance in Yakima varies depending on the coverage level you choose. Homeowners insurance costs $1,296 per year for dwelling coverage of $200,000 and $1,662 for $300,000 of dwelling coverage.

Below are the average annual and monthly Yakima home insurance rates for different amounts of dwelling coverage.

Coverage level (Dwelling)	Average annual rate	Average monthly rate
$200,000	$1,296	$108
$300,000	$1,662	$139
$400,000	$2,083	$174
$600,000	$2,906	$242
$1,000,000	$4,485	$374

Read our methodology

Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.

Home insurance rates in Yakima by deductible

Home insurance rates in Yakima vary based on the deductible you choose. If you pick a higher deductible, your monthly insurance premium will be lower, while a lower deductible, means lower premiums because the insurance company will pay more if you file a claim, and the odds of you filing a smaller claim are higher.

The table below lists the home insurance rates by deductible in Yakima.

Deductible	Company	Average annual premium	Average monthly premium
$1,000	Allstate	$922	$77
$1,000	PEMCO	$1,006	$84
$1,000	Nationwide	$1,215	$101
$1,000	Farmers Insurance	$1,286	$107
$1,000	Nationwide	$1,417	$118
$1,000	State Farm	$1,629	$136
$500	Allstate	$955	$80
$500	PEMCO	$1,091	$91
$500	Farmers Insurance	$1,368	$114
$500	Nationwide	$1,475	$123
$500	State Farm	$1,803	$150
$2,000	PEMCO	$869	$72
$2,000	Allstate	$872	$73
$2,000	Nationwide	$1,038	$87
$2,000	Farmers Insurance	$1,175	$98
$2,000	State Farm	$1,458	$122
$2,500	Allstate	$851	$71
$2,500	PEMCO	$869	$72
$2,500	Nationwide	$1,038	$87
$2,500	Farmers Insurance	$1,160	$97
$2,500	State Farm	$1,381	$115
$3,000	Allstate	$832	$69
$3,000	PEMCO	$869	$72
$3,000	Nationwide	$1,026	$86
$3,000	Farmers Insurance	$1,124	$94
$3,000	State Farm	$1,381	$115
$4,000	Allstate	$773	$64
$4,000	PEMCO	$819	$68
$4,000	Nationwide	$904	$75
$4,000	Farmers Insurance	$1,044	$87
$4,000	State Farm	$1,344	$112
$5,000	Allstate	$773	$64
$5,000	PEMCO	$819	$68
$5,000	Nationwide	$904	$75
$5,000	Farmers Insurance	$1,025	$85
$5,000	State Farm	$1,307	$109
$1,000	USAA	$2,718	$227
$500	USAA	$2,996	$250
$2,000	USAA	$2,281	$190
$2,500	USAA	$2,281	$190
$3,000	USAA	$1,957	$163
$4,000	USAA	$1,640	$137
$5,000	USAA	$1,640	$137

Read our methodology

Cheapest homeowners insurance companies in Yakima

According to our analysis, Nationwide is the most affordable home insurance provider in Yakima, with an average yearly cost of $821.

Price is a big factor when choosing home insurance, and costs in Yakima can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company's reputation before making a decision.

The table below lists the cheapest home insurance companies in Yakima.

Company	Average annual cost
Nationwide	$821
PEMCO	$933
Allstate	$1,106
State Farm	$1,227
Farmers	$1,236
USAA	$1,883

Read our methodology

Homeowners insurance cost in Yakima by credit rating

The average home insurance cost for homeowners is $1,662 per year for dwelling coverage of $300,000, based on our data analysis. In Washington, credit scores do not directly affect homeowners insurance rates due to state regulations prohibiting the use of credit-based insurance scores for setting insurance premiums. It means that, unlike many other states, your credit history won't impact the cost of your homeowners insurance.

In states where credit scores influence homeowners insurance costs, individuals with lower credit scores often face higher premiums.

How can you save on homeowners insurance in Yakima?

If you’re looking to save on your homeowners insurance, the best way is comparing quotes from multiple insurers. Homeowners insurance companies offer a variety of different discounts to help you lower insurance costs. Here are a few common ones.

Home and auto bundle discount (multi-policy)

One of the easiest ways to get cheaper home insurance in Yakima is the multi-policy discount, also known as bundling. If you purchase your home and auto insurance from the same company, you can save an average of $162 a year.

“It’s not always the better option, but more times than not it is because if you bundle usually, you get a 10-20% discount on both policies,” says Josiah Hatch, owner and CEO at Bender Hatch Insurance in Boston.

Loyalty discount

Staying with the same insurance company can earn you a loyalty discount, which could save you around $124 annually on your home insurance in Yakima.

Security equipment discounts

Insurance companies offer discounts to homeowners for installing safety and security equipment, like a fire alarm or burglar alarm. If you install a fire alarm at your home, you can get a discount of $40 a year on average from your insurer.

New home discount

If you buy new construction, you can get a new home discount of $831 a year on average in Yakima.

Methodology

Insurance.com compared homeowners insurance rates provided by Quadrant Information Services in 2023 for around 29,000 cities in all states and Washington D.C for $200,000 and $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2024.