Fire Insurance Quotes

 

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Washington Fire Insurance Quotes

Fires are a common occurrence in Washington State so make sure you have the best home fire insurance policy available. Fireinsuranceqts.com can find you multiple insurance quotes to compare when shopping for home insurance in Washington. Whether you live in the city of Seattle or a smaller rural area home fire insurance can protect against many perils.

Your proximity to a fire station can dramatically impact your insurance premiums. The Washington Survey and Rating Bureau "WSRB" is paid by insurance companies to evaluate how well it compares the fire agency to each company. If the comparison is similar to the company's then the exposure to loss is considered minimal. For city dwellers in Seattle most fire stations are within a mile or less but for residents of Bellevue the nearest station could be much further away.

How to Lower the Cost of Home Fire Insurance

Washington fire insurance can vary in price between companies but you as the homeowner have the ability to keep your costs low. Each insurance company has to set rates based on how they perceive a certain risk which is usually determined by the last 3 years of losses in Washington. While you have no control on how an insurance company can determine a risk in your city you can lower your policy premium by following a few simple steps.

Fire insurance policy premiums are largely determined by location, loss history, credit rating and home building materials. Each of these items can be controlled by the homeowner to varying degrees. Having more than one home insurance claim in the past three years or poor credit can increase your premiums exponentially. Using credit as a rating tool is becoming a very common tool for insurance companies to determine future losses. Just like a car loan if you have better credit your insurance policy will be cheaper. Here is a list of things to consider if you want to lower your home fire insurance bill:

  • Improve your credit rating
  • Don't make more than one claim in a three year period
  • Mitigate risk by removing shrubs and other trees that may spread fire to your house
  • Install a security/fire system for discounts up to 25%

What Deductible Should I Choose?

Fire insurance quotes can vary widely between companies and a lot may have to do with which deductible the agent choose. Remember that homeowners insurance is not designed for the small claims like something under $1000 so it is common to have a deductible at least $1000 or more. The higher the deductible the lower the premium will be but try to get a deductible you can afford if something does happen.

Stay away from percentage deductibles unless you can afford a very high deductible. A percentage deductible in Washington may be something like 1% or 2% of the dwelling coverage. This means that a home with $400,000 in dwelling coverage with a 1% deductible would have the homeowner coming up with $4000 before any work is done to fix the home. With a high deductible like that many homeowners may not be able to afford a major loss.

Home Fire Insurance by City

  • Seattle
  • Spokane
  • Tacoma
  • Vancouver
  • Bellevue

More cities are included but these are the largest in Washington.

 

 

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