Homeowner Insurance Costs in Spokane County, WA

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

Est. Annual Premium

$1,824

Monthly Cost

$152

Median Home Value

$331,600

% of Income

2.6%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$331,600
Personal Property (C)$165,800
Liability (E)$300,000
Deductible$3,316

Cost Context

Homeownership Rate63.8%
Median Income$70,394
Property Tax Rate0.9%
Population538,711

About Insurance in Spokane County

Homeowner insurance in Spokane County, Washington costs an estimated $1,824 per year for a median-value home of $331,600. This represents approximately 2.6% of the median household income of $70,394.

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.

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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.