Home Insurance in Kirkland, WA

Protect your home and possessions with effective home insurance in Kirkland, WA.

Compare, shop and customize quotes from top-rated insurance carriers.

As a resident of Kirkland, you share this vibrant city with more than 92,000 other people who work and play there. From hiking and trail walking in O.O. Denny Park to commanding views of the Seattle skyline and Mt. Rainer, this growing city has much to offer.

Approximately 61% of people in Kirkland own their homes, and housing costs are 121% higher than the national average. Whether you work in the city's education system or at one of its many technology companies, including Google Pivotal. finding affordable and effective home insurance in Kirkland, WA with VIU by HUB can provide you with peace of mind when it comes to protecting your property.

Choosing Home Insurance in Kirkland, WA

Kirkland rarely sees temperatures that fall below freezing but experiences other types of weather extremes, such as frequent rainfall. November alone often drops over eight inches of rain on the city, which could lead to flooding and water damage in and around your home. Protecting your property with home insurance in Kirkland that covers damage extreme weather causes can prevent out-of-pocket costs that could have a negative effect on your homeowner's budget.

The Average Cost of Kirkland, WA, Home Insurance

As a Kirkland, WA, homeowner, you can expect to pay approximately $45-$60 a month for coverage. However, a variety of factors can affect this cost, including:

Your claim history
The neighborhood you live in
Your credit rating
The value of your home and property

Using VIU by HUB can help you compare different rates for home insurance in Kirkland, WA, so that you receive the most coverage for the lowest cost.

Choosing Options for Home Insurance in Kirkland

While home insurance coverage is not required in Kirkland, protecting it and yourself from possible damage removes some of the risk of financial troubles if you experience a fire or theft of your belongings. Reviewing available options for home insurance in Kirkland, WA, before you buy allows you to make the best decision possible regarding coverage.

Because home insurance policies are generally customizable, choosing coverage that protects you from everyday risks, such as fire and theft, is only the tip of the insurance iceberg. Reviewing coverage costs can help you discover what other types you might choose, including:

Replacement cost
Actual cash value
Personal liability

Assessing your personal risks before you buy home insurance can help you create a tailor-made policy that protects your Kirkland home and the belongings in it.

Risks of Owning a Home in Kirkland, WA

As a Kirkland homeowner, you have a one in 43 chance of experiencing an incident of property theft. This rate is lower than the rest of the state. The overall risk may rise or fall depending on which neighborhood you live in.

The high rainfall rate in Kirkland could put you at greater risk for localized flooding. According to Risk Factor, the chances of residential flooding are not major; however, several days of consecutive rain often puts stress on drainage systems in homes, such as sump pumps and gutters. Reviewing flood coverage and whether you need a separate policy for this type of damage can safeguard you in the future.

Before you purchase home insurance in Kirkland, WA you may want to have your property inspected for any additional risks. Adding safety devices to your home, such as carbon monoxide and smoke detectors, may provide you with policy discounts. Considering your individual risks helps you find coverage you can depend on in the future.

This information is intended for general informational purposes only and is not intended to constitute legal advice.