Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Grays Harbor County, WA agent.

Grays Harbor County, WA Homeowners Insurance Quotes

Homeowners of Grays Harbor County, you are paying around $78.08 a month for basic or HO-3 standard homeowners insurance coverage. If you would like to pay less than average for your home insurance premium, you are in the right place. We will be happy to help you shop and compare home insurance rates for your home in Grays Harbor County, our job is to help you find better than average quotes that is less than $937 per year. Grays Harbor County residentents are happy to use our service and benefit from comparing competitive Washington homeowners insurance rates all in one place. Our online quoting application allows you to review up to 12 competitive rates which makes it easy for you to see which carrier may have the lowest rate. But also which insurance provider has the best coverage. Let us help you shop your Grays Harbor County, WA home insurance rate quotes today!

For all Grays Harbor County, WA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Grays Harbor County? Simply enter your zip code to get your Washington homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Grays Harbor County, WA Housing Demographics

With 72,797 residents living within the Grays Harbor County area there are over 35,166 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 18,493 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Grays Harbor County.

DemographicValues
Total Occupied Households28,579
Family Households (families)18,493
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units35,166

Grays Harbor County, WA Coastal Wind, Hail & Flood Information

For all homeowners living in Grays Harbor County (FIPS: 53027), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Washington is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Grays Harbor County, WA, it's important that you look into hurricane and windstorm insurance options.

Grays Harbor County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Washington.

Helpful Articles:

Grays Harbor County, WA Home Insurance Average Premiums

Local Grays Harbor, WA homeowners insurance quotes comparison

$692 /yr.

Washington's Average Home Insurance Rates Overall

For the state of Washington, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 43 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$471 /yr.
Current Average Cost:$692 /yr.
Maximum Range:$937 /yr.

Grays Harbor County, WA Coastal Wind, Hail & Flood Information

Grays Harbor is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Grays Harbor is know for it's beautiful beaches and waterways. Because Grays Harbor County (FIPS: 53027) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Grays Harbor County.

Washington Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

Discounts For Homeowners in Grays Harbor County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Washington homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Grays Harbor County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Grays Harbor County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Grays Harbor County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Grays Harbor County Housing & Real Estate Data

Details:Statistics
Total Housing Units35166
Occupied Housing Units28579
Vacant Housing Units6587
Vacant Housing Units for Rent985
Vacant Housing Units Rented Not Occupied81
Vacant Housing Units For Sale705
Vacant Housing Units Sold Not Occupied162
Vacant Housing Units For Seasonal Occasional Use3380
Vacant Housing Units All Other Vacants1274
Housing Units Homeowner Vacancy Rate Percent4
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units28579
Housing Tenure Occupied Units Owner Occupied19376
Housing Tenure Occupied Units Owner Occupied Population47250
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied9203
Housing Tenure Occupied Units Renter Occupied Population22816
Housing Tenure Occupied Units Renter Occupied Average Household Size2