Get Blaine, WA Home Insurance Rates!

Are you moving to Blaine, WA? You will join the already 4,684 people that call this beautiful city home. Families in Blaine have a figured out how to save time and money by letting us shop the best Blaine home insurance rates and coverage options. For only $61.00 a month, you can find great coverage at an affordable price!

Blaine, WA City Information

Did you know that Blaine, WA has now reached over 4,684 in population size with 1994 homes within the city of Blaine. The average family household in Blaine is reported to be around 1291. With the local population increasing in Blaine, it's important to make sure your home has the home insurance coverage you need for your family. Please learn more about our homeowners insurance discounts to discover how you can save additional money on your home insurance premium to help make it more affordable for you. When you request free Blaine home insurance quotes from us, we will work with you to compare every possible carrier, coverage and discount available. To find additional savings on your new home policy, please review the article on: Setting Your Deductibles as High as Possible is a Moneysaver

Demographic	Values
Population	4,684
Total Occupied Households	1994
Family Households (families)	1291
Average Owner Occupied Household Size	2.38
Average Family Size	2.85
Total Housing Units	2346

Blaine Homeowners Insurance is Very Affordable

Once you have purchased your home, you will need to protect it with a homeowners policy. Usually before closing, your loan provider will require you to purchase a homeowners policy. Lucky for you, Blaine is a very affordable town with an average home insurance cost of $937. Blaine, Washington is ranked 43 in the country for homeowners insurance rate prices.

You will need a certain type of homeowners policy when purchasing your new home. There are different policy types that are each designed for the specific type of housing that you may own. Here is a brief description of each of the different homeowner policy types that are available to you:

(HO-3): The most common of all homeowner insurance types is the HO-3 or "Homeowners Three" policy. The majority of homeowners in Blaine have most like purchased this type of standard or basic homeowners policy. It protects your home against every peril except ones that are excluded specifically in the policy. Perils may include fire, theft, liability.
It should be noted that all HO-3 policies exclude earthquake and flooding damage.
(HO-4): This type is called a renters insurance coverage type for renting a home, condo or apartment. This will cover the personal property in the home as well as offering liability coverage for you in the event that someone trips or fall and is otherwise injured in your apartment. This policy is for renters or tenants only, this does not cover you if you own the property and want to rent it, you will need a landlord policy for that type of coverage.
(HO-5): If you want to upgrade your HO-3 standard homeowners policy, this is the next level type of enhanced coverage. While more expensive than an HO-3 policy it also offers more coverage protection. These policies are not available on all homes, they are usually reserved for newer homes that fall in higher price brackets.

One of the major differences with this policy type is that your personal property is covered by all perils that are not named as exclusions. An HO-3 policy on the other hand only protects your personal property against a certain list of perils.

The majority of these policies also offer replacement value as standard coverage on personal property compared to fair market value which takes deprecation into account when calculating the value of your damaged or destroyed property.

Compare Homeowners Insurance Rates in Blaine, WA!

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Average Rates Nearby Blaine

Are you looking for homeowners insurance in a city near Blaine? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Blaine, WA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Blaine.

98230,

Blaine, WA Home Insurance Average Premiums

Local Blaine, WA home insurance quotes comparison

$480 /yr.

Shows Blaine's lowest average rates with discounts applied.

For the city of Blaine, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$480 /yr.
Average Coverage:	$730 /yr.
2600 sq. ft. or higher (all discounts applied)	$1030 /yr.

What is the average home insurance cost for a home in Blaine, WA?

• The average homeowners insurance premium paid annually for a home in Blaine is around $730 per year.

What does it cost on average per month for home insurance in Blaine, WA?

• Homeowners in Blaine pay an average cost per month around $61.00 for insurance coverage.

Blaine, WA Coastal Wind, Hail & Flood Information

Blaine is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Blaine is know for it's beautiful beaches and waterways. Because Whatcom County (FIPS: 53073) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Blaine, WA.

Blaine, WA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$500,267	$493,184
February	$497,143	$501,479
March	$496,719	$512,423
April	$497,422	$523,046

Homeowners insurance will help cover the cost to repair or replace your Blaine home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Blaine
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Blaine, WA homeowners insurance rates all in one place!

Saving Money Tips on Blaine Home Insurance

A great way to save money on Blaine homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Blaine area? Check out what homeowners are paying on average for Washington homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
32 ft.	This is the average home elevation in Blaine, WA	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Blaine, Washington. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

32 ft.

This is the average home elevation in Blaine, WA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Blaine, Washington.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Blaine, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Whatcom County.

Washington Homeowners Insurance News & Information

Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024
Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured. Major upgrades such as adding square footage to your home or […]

Blaine, WA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Blaine so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Blaine, WA?

- The average square footage in Blaine is around 1,217 Sq. Ft. which would cost you around $294,600 to replace the home if you base the home on the price to build per square foot of $242.

Minimum Replacement Cost Total: $294,600

Location: Blaine, Washington (Whatcom County)

Average Building Cost Per Square Foot in Blaine: $242 (low end)

Average Square Footage in Blaine: 1,217 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$242	$294,600
Some Additional Upgrades	$303	$368,250
Major Home Updates or Advancements	$363	$441,900

Calculate Your Blaine, WA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($242) in Blaine, Washington times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $756,250 (Media price to build of $303 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.