How Much Does Homeowners Insurance Cost in Bellingham, WA?
Bellingham pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Bellingham's diversified economy.See our methodology
Homeowners Insurance Pricing in Bellingham, WA
In Bellingham, homeowners insurance costs are 10% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 95K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in homeowners insurance costs here. Heavy rainfall requires excellent moisture management for roofing and foundations.
Market-specific factors matter in Bellingham: environmental regulations may affect building materials and methods.
Bellingham has moderate permitting requirements. Depending on the scope of your homeowners insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Bellingham vs National Average
What Affects Homeowners Insurance Cost in Bellingham?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
Bellingham Market Conditions
environmental regulations may affect building materials and methods
Local Climate Impact
heavy rainfall requires excellent moisture management for roofing and foundations
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Top-Rated Homeowners Insurance Pros in Bellingham, WA
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Tips to Save on Homeowners Insurance in Bellingham
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Bellingham Cost Trends (2020–2024)
Prices have increased +17.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $169 | — |
| 2021 | $176 | +4.1% |
| 2022 | $187 | +6.3% |
| 2023 | $192 | +2.7% |
| 2024 | $198 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Bellingham
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Why does homeowners insurance cost different in Bellingham than other cities?
Bellingham's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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