Tony Russell Insurance
Camas, Camas, WA 98607
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Camas, Camas, WA 98607
View this agency's profile to learn more about their services.
510 NE 4th Ave, Camas, WA 98607
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Camas residents.
Camas homeowners pay $516-$700/year for insurance. Learn about flood risks, earthquake coverage, rising rates, and how to protect your Pacific Northwest home.
Car InsuranceComplete guide to auto insurance in Camas, Washington. Learn about 25/50/10 minimums, SR-14 risks, at-fault laws, and how to get adequate coverage in Clark County.
General Insurance EducationComplete insurance guide for Camas, Washington covering auto, home, and flood insurance. Learn required coverage and protect your assets in Clark County.
Camas homeowners typically pay between $516 and $700 annually for home insurance, which translates to about $43-$58 per month. This is significantly lower than Washington's state average of $1,474 per year and well below the national average of $2,801. However, actual costs vary based on your home's value, age, condition, coverage limits, and your claims history.
While flood insurance isn't legally required unless you're in a designated high-risk flood zone with a federally backed mortgage, it's worth serious consideration. The December 2025 atmospheric river event that caused catastrophic flooding across Washington highlighted how extreme weather can impact areas not traditionally considered flood-prone. Standard homeowners policies exclude flood damage entirely, so you'd need separate coverage through the National Flood Insurance Program or a private insurer.
Washington saw a 19.5% jump in home insurance rates in 2025, the third-highest increase nationwide, with a cumulative 51% rise over six years. Insurers cite increasing construction and repair costs, more frequent severe weather events like the December 2025 flooding, rising reinsurance costs, and general inflation as primary drivers. These trends affect all homeowners, even those who haven't filed claims.
No, standard homeowners insurance policies in Washington explicitly exclude earthquake damage. Given that the Pacific Northwest sits near the Cascadia Subduction Zone and active fault lines, you'll need to purchase either a separate earthquake policy or add an earthquake endorsement to your existing homeowners policy if you want this protection. It's not required by law or lenders, but it's an important coverage gap to consider.
Your dwelling coverage should reflect the cost to completely rebuild your home at current construction prices, not your home's market value or purchase price. With median home values in Camas ranging from $717,000 to $861,000 and construction costs rising, many homeowners are underinsured. Review your dwelling coverage annually and consider extended or guaranteed replacement cost endorsements to protect against construction cost increases.
Camas homeowners may qualify for several insurance discounts. The city's excellent fire protection rating can reduce premiums, and you might also get discounts for bundling home and auto insurance, installing security or fire alarm systems, being claims-free for multiple years, having a newer roof or updated electrical/plumbing systems, or being a long-term customer. Always ask insurers about available discounts when shopping for quotes—many aren't automatically applied.
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