Home Insurance in Bellevue
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Protect Your Biggest Investment With the Right Home Insurance
Known for its innovation, style and creativity, Bellevue, Washington, is a jewel of the Pacific Northwest. It's home to over 149,000 residents and is the fifth-largest city in the state. Located in the Greater Seattle area, Bellevue has much to offer to both city and nature lovers. From shopping at The Bellevue Collection to forest bathing in Weowna Park. there are lots of attractions to visit and things to do.
Despite weather ranges of 37 degrees in the winter to 79 degrees during the summer, there's plenty to enjoy all year long. This is one of the reasons why Bellevue is a great place to call home. Whether you're a current homeowner or looking for a house to purchase, you deserve comprehensive home insurance in Bellevue at a premium you can afford. This provides you with the peace of mind you need to protect your assets and secure your way of life.
Average Cost of Insurance
An affluent suburb, the majority of Bellevue's adult population are college graduates who work in math or technology. The median household income is $140,252, and the age of 28 percent of the population is between 35 to 54 years old. With a large number of million-dollar houses, the median home value is $1,142,837.
The average annual home insurance cost is $1,160. which is cheaper than the state average and much less than the national average of $1,820. Other Washington cities have higher costs due to where they are located. For example, Seattle's price of $1,165 is slightly higher, while the average annual premium in Yakima, Washington, is $1,305 per year. While this makes the cost of home insurance in Bellevue sound good, you may be able to find better and cheaper coverage by comparing quotes with VIU by HUB.
Insurance Coverage Options
While the state of Washington doesn't require residents to carry home insurance, it's still important to have it in case you experience a theft or disaster. The right insurance protects your assets and keeps you from having to pay out of pocket to cover your costs. If you have insurance, take time to review your policy to see what is actually covered. Most policies only cover the following:
- Property damage to the physical structure of your house, both inside and out
- Personal belongings, such as home furnishings, clothes and other personal items
- Personal liability for guests who get injured or suffer damaged property while in your home
- Temporary housing costs to stay somewhere if your home is unlivable due to a disaster
You should also check to see if your policy provides limited coverage for things such as debris removal and credit card protection for theft or unauthorized charges.
Homeownership Risks
Owning a home is a great investment, but you need the right home insurance in Bellevue to protect it. Common threats to your home include fire damage, lightning strikes and theft or vandalism. The following are additional risks you may encounter while living in Bellevue over the next 30 years:
- Floods: You have more than a 26% chance of experiencing severe flooding.
- Heat: The number of days over 86 degrees is expected to increase by 114%.
- Wind: You have an increased risk of experiencing damage from severe winds.
Since most policies don't cover these events, consider adding them to your plan. If you're concerned about the added cost, VIU by HUB can help you compare premiums and look for home insurance in Bellevue with the best coverage at an affordable price that works for you.
This information is intended for general informational purposes only and is not intended to constitute legal advice.