Homeowner Insurance Costs in Garfield County, WA

How much does homeowner insurance cost in Garfield County? Here's what to expect.

Est. Annual Premium

$1,045

Monthly Cost

$87

Median Home Value

$190,000

% of Income

1.8%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$190,000
Personal Property (C)$95,000
Liability (E)$300,000
Deductible$1,900

Cost Context

Homeownership Rate77.5%
Median Income$57,958
Property Tax Rate0.7%
Population2,310

About Insurance in Garfield County

Homeowner insurance in Garfield County, Washington costs an estimated $1,045 per year for a median-value home of $190,000. This represents approximately 1.8% of the median household income of $57,958.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

Calculate Your True Insurance Cost

Get a peril-by-peril risk analysis, coverage optimization, and premium comparison. Find out if you're over-insured, under-insured, or paying too much.

Start Free Analysis

Other Counties in Washington

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.