Kingston, WA Homeowners Insurance Rate Quotes!

Are you buying a new home in Kingston? Let GetHomeInsuranceQuotes.com of Washington help you compare the top rates and coverages in your local area. We can provide up to 12 competitive homeowners insurance rates all-in-one place so that you can easily review which premium prices and coverage options best fit your needs.

Kingston consists of about 3,646 single family homes that are under a standard homeowners insurance policy. This type of plan is a basic insurance plan that covers your home against theft, wind damage and house fires. Allowing us to help you compare multiple rates at once will allow you to get the protection you need for your home. We also have enhanced coverage options like flood insurance, wind and hail coverage and mult-line home and auto insurance policies to choose from. Let us shop and compare the best rate for you all-in-one place.

Best Home Insurance Rates in Kingston

For homeowners living in Kingston, the average rate per month is around $57. We can help you shop and review rates as low as $437 per year for a standard homeowners insurance policy. Coverage and replacement cost depend on the value of the home, higher value homes may see prices in the $987 per year for home insurance coverage. Larger homes that cost more to rebuild require a more expensive coverage amount simply because it would cost more to replacement or rebuild the home. Getting the right coverage at an affordable price is our job, let us help you shop Kingston home insurance rates today!

Compare Homeowners Insurance Rates in Kingston, WA!

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

Average Rates Nearby Kingston

Are you looking for homeowners insurance in a city near Kingston? 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 Kingston, WA

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

98346,

Kingston, WA Home Insurance Average Premiums

Local Kingston, WA home insurance quotes comparison

$437 /yr.

Shows Kingston's lowest average rates with discounts applied.

For the city of Kingston, 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)	$437 /yr.
Average Coverage:	$687 /yr.
2600 sq. ft. or higher (all discounts applied)	$987 /yr.

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

• The average homeowners insurance premium paid annually for a home in Kingston is around $687 per year.

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

• Homeowners in Kingston pay an average cost per month around $57.00 for insurance coverage.

Kingston, WA Coastal Wind, Hail & Flood Information

Kingston 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 Kingston is know for it's beautiful beaches and waterways. Because Kitsap County (FIPS: 53035) 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 Kingston, WA.

Kingston, WA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$625,234	$599,247
February	$621,472	$610,303
March	$620,595	$624,823
April	$621,140	$639,658

Homeowners insurance will help cover the cost to repair or replace your Kingston 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 Kingston
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 Kingston, WA homeowners insurance rates all in one place!

Saving Money Tips on Kingston Home Insurance

A great way to save money on Kingston 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 Kingston 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
171 ft.	This is the average home elevation in Kingston, 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 Kingston, 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

171 ft.

This is the average home elevation in Kingston, 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 Kingston, 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 Kingston, 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 Kitsap 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 […]

Kingston, WA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Kingston 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 Kingston, WA?

- The average square footage in Kingston is around 1,528 Sq. Ft. which would cost you around $369,700 to replace the home if you base the home on the price to build per square foot of $242.

Minimum Replacement Cost Total: $369,700

Location: Kingston, Washington (Kitsap County)

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

Average Square Footage in Kingston: 1,528 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$242	$369,700
Some Additional Upgrades	$303	$462,125
Major Home Updates or Advancements	$363	$554,550

Calculate Your Kingston, WA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($242) in Kingston, 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.