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Best homeowners insurance in Washington for 2024

USAA, Allstate, Chubb, Nationwide and State Farm are among the best home insurance companies in the state of Washington.

Updated Mar 14, 2024
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Compare the best homeowners insurance companies in Washington

Based on our assessment of rate data from Quadrant Information Services and several other industry-specific factors, we've identified USAA, Chubb, Nationwide Allstate and State Farm as some of the best home insurance companies in Washington. The table below showcases each insurer’s Bankrate Score, which reflects how the company performed in various categories like product availability, average premiums, customer satisfaction and more.

Insurance company
Bankrate Score
Info
Average monthly premium Average annual premium
4.7
Rating: 4.7 stars out of 5
$88
$1,058
4.3
Rating: 4.3 stars out of 5
$128
$1,541
4.3
Rating: 4.3 stars out of 5
$63
$755
4.2
Rating: 4.2 stars out of 5
$90
$1,081
4.2
Rating: 4.2 stars out of 5
$88
$1,060
*Premiums are for $250K in dwelling coverage **USAA not officially ranked by J.D. Power due to eligibility restrictions
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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The top 5 home insurance companies in Washington

USAA, Chubb, Nationwide, Allstate and State Farm are among the best homeowners insurance providers in Washington state, per Bankrate’s research. These companies offer impressive customer service and financial strength ratings, and many offer low average homeowners insurance rates. If you're shopping for the best Washington homeowners insurance, you may want to compare quotes from these five companies:

Best for military-focused coverage

USAA

4.7

Rating: 4.7 stars out of 5

Avg. premium for $250K dwelling

$88/mo

Avg. premium for $250K dwelling

$1,058/yr

Customer satisfaction

881/1,000

Best for high-value homes

Chubb

4.3

Rating: 4.3 stars out of 5

Avg. premium for $250K dwelling

$128/mo

Avg. premium for $250K dwelling

$1,541/yr

Customer satisfaction

801/1,000

Best for low average rates

Nationwide

4.3

Rating: 4.3 stars out of 5

Avg. premium for $250K dwelling

$63/mo

Avg. premium for $250K dwelling

$755/yr

Customer satisfaction

812/1,000

Best for personalized picks

Allstate

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$90/mo

Avg. premium for $250K dwelling

$1,081/yr

Customer satisfaction

809/1,000

Best for customer satisfaction

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$88/mo

Avg. premium for $250K dwelling

$1,060/yr

Customer satisfaction

829/1,000

Additional Washington home insurance companies to consider

Encompass

Encompass

Who this may be best for

Homeowners who want to bundle

Encompass writes both home and auto insurance policies. It may be appealing to people who want to bundle their auto and home coverage — the company offers a single deductible and single premium for certain policy packages. However, this provider has a high rate of customer complaints, according to the NAIC.

Farmers

Farmers

Who this may be best for

Homeowners who want flexibility

Farmers offers a wide variety of insurance policies, making it an ideal choice for people who want to bundle several insurance products. It also offers the flexibility to manage your policy online or through an agent. However, the Bankrate Score for Farmers home insurance is lower than many of the other providers on our list at 3.6 out of 5.0.

Travelers

Travelers

Who this may be best for

Homeowners who want a wide variety of discounts

Travelers offers robust auto and home insurance policies with a wide variety of discount opportunities. If you qualify for one or more discounts, you may land a great price on coverage through Travelers. However, it’s worth keeping in mind that the company has poor ratings for home insurance customer satisfaction per J.D. Power.

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Finding cheap home insurance in Washington

Finding the best cheap home insurance in Washington takes a bit of effort — rates vary from person to person and company to company. Shopping around, comparing quotes and asking about discounts are key steps. But you should never forego essential coverage in an effort to lower costs. Back to top Caret Up

Cheapest home insurance companies in Washington

The good news is that there are several cheap home insurance companies in Washington, with average annual rates that are lower than the statewide average of $1,157 and national average of $1,759. Here are some of the cheapest home insurance companies in WA, keeping in mind that your rate will vary based on several factors. If you’re on a tighter budget, you might consider getting a quote from the providers listed below.

Carrier Monthly premium for $250k coverage Annual premium for $250k coverage Savings vs state avg. for $250k coverage
Mutual of Enumclaw
$45
$538
- $619
PEMCO
$54
$648
- $509
$56
$671
- $486
$63
$755
- $402
$74
$886
- $271

How Bankrate chose the cheapest home insurance companies in Washington

Bankrate selected these insurers by comparing average premiums from some of the largest insurers in the state by market share to the state’s average premiums overall. Premium data for 2024 was acquired from Quadrant Information Services.

How to get cheap Washington home insurance

Home insurance is generally only required on homes with a mortgage, but insurance professionals typically recommend policies for all homeowners to prevent financial distress when a major loss occurs. Without home insurance, homeowners will likely have to pay for any home repairs out of pocket. In the case of disasters such as fires and floods, these costs can become exorbitant. With a home insurance policy, some or all of these costs may be covered by your insurer, taking a large part of the financial burden off your plate.

  1. Assess coverage needs and wants: Determine what types and levels of coverage you want for your home. Keep in mind the relevant natural perils for the area, like flooding, earthquakes or wildfires.
  2. Shop around: Obtain free quotes from multiple companies that offer home insurance in the area. Be sure to select the same types and amounts of coverage from each. Doing this can help you to find the best rates for the coverage you seek, while also giving you a better idea of what might be a good or bad deal for you.
  3. Compare quotes: After receiving quotes, consider each one rather than automatically selecting the cheapest. Before choosing, double check that you selected the same types and amounts of coverage from each insurer. At this point, if price is the only differentiator between the companies (discounts, coverage types or other perks), then it might be wise to choose the one with the lowest rates on your list.
  4. Apply for a policy: After selecting your chosen insurer, apply for a policy through their website, app or one of their agents.

Best home insurance discounts in Washington

The Office of the Insurance Commissioner of Washington State recommends looking for common types of home insurance discounts. When insurers offer discounts, these savings can help eligible policyholders save money on rates.

Some companies offer discounts to policyholders who have maintained coverage with them for a set number of years.
If you recently purchased your first home, you may qualify for a new homeowner discount with some insurers.
Buying more than one insurance product from the same insurer — like home and auto — could mean earning a multi-policy discount.
Many insurance companies offer discounts to policyholders who have installed devices that can help mitigate damage in the event of severe weather, a break-in or another covered event that could result in filing a claim.

How to save on home insurance policy renewals in Washington

No matter which state you live in, you may be able to save money on your home insurance premium by taking a few basic steps:

  • Perform necessary maintenance: Don’t let your home fall into disrepair. Ensuring your roof is in good shape is essential if you want to keep your premiums low.
  • Boost your credit: Insurers often consider your credit history when calculating premiums. Those with better credit typically enjoy lower rates. While increasing your credit score can take time, paying down your debts and paying your bills when they’re due can eventually mean lower insurance premiums.
  • Avoid claims: The fewer claims you make, the better it will be for your insurance rate. Of course, you should file a claim when you need to, but if you can avoid it for minor issues, you’ll likely enjoy cheaper premiums. Many insurance professionals suggest you only file a claim when the repair costs are significantly higher than your deductible.
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Understanding home insurance costs in Washington

The average Washington homeowner pays less than the national average for home coverage, reflecting the relatively lower risk that homeowners in the state face. Keep in mind that your precise location, as well as risk factors like whether your home has a pool, will impact the amount you pay. Back to top Caret Up

How much is home insurance in Washington?

In 2024, the average cost of home insurance in Washington state is $1,157 per year for $250,000 in dwelling coverage. This is well below the national average of $1,759 per year — despite the risks of earthquakes, adverse weather and wildfires in the state. Insurance costs vary for several reasons, though. Washington has a lower risk of widespread home damage than some other places, which may contribute to its lower-than-average rates.

Washington homeowners insurance rates by city

Home insurance rates will vary depending on where you live. Residents of some cities may pay more than others. Factors like local weather, crime rates and more are all factored into premiums.

  • Woodland: $1,031 per year — 11 percent below state average
  • Ridgefield: $1,033 per year — 11 percent below state average
  • Vancouver: $1,034 per year — 11 percent below state average
  • Silverdale: $1,034 per year — 11 percent below state average
  • Keyport: $1,037 per year — 10 percent below state average
  • Harrah: $1,307 per year — 13 percent above state average
  • Naches: $1,305 per year — 13 percent above state average
  • Yakima: $1,304 per year — 13 percent above state average
  • White Swan: $1,304 per year — 13 percent above state average
  • Belmont: $1,301 per year — 12 percent above state average

*Rates are for $250,000 in dwelling coverage.

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Insuring your Washington home

Homeowners in Washington are facing new challenges — like an increasing risk of wildfires, which is driving up insurance premiums. Still, homeowners in the state pay less on average than the national average of $1,428 per year. It may be helpful to speak with an agent to identify the type of coverage that suits your needs and budget best. Back to top Caret Up

What does home insurance cover in Washington?

One of the most important things to know when buying home insurance in Washington is what your policy covers. There may be certain events that your policy excludes, even if you’d expect the damage to be covered. Given the unique risks faced by Washingtonians, these are some of the most common types of damage that result in claims.

  • Wind and hail: As many as 39 percent of home insurance claims in the state result from wind or hail damage, making it key to ensure your roof is in good condition. The good news is that this damage is typically covered by your insurance.
  • Lighting and fire: Roughly 25 percent of home insurance claims in the state in 2021 resulted from lightning strikes and house fires. Your insurance will also generally cover this damage.
  • Freezing and water damage: Another major source of claims during the winter comes from frozen pipes and water damage. Home insurers in the state may cover this damage but could deny your claim if the damage occurred due to negligence.

Additional home insurance coverage types in Washington

Home insurance policies can cover a range of perils. However, when your home is in a place with unique perils or difficulties, it can be wise to add additional coverage options to protect against these threats. In Washington state, some of the biggest perils that homeowners face are fire, flood and severe storms. In fact, the state ranked sixth in the nation for wildfire risk in 2021.

  • Earthquake insurance: A standard Washington home insurance policy does not typically include earthquake coverage. You can often purchase earthquake coverage as a home policy endorsement or a separate policy. Not all carriers provide earthquake insurance, but there are companies that specialize in the coverage.
  • Flood insurance: As with earthquake insurance, standard home insurance policies do not typically cover flood damage. Flood insurance can be purchased through the National Flood Insurance Program or some private insurers.
  • Guaranteed roof replacement: Not all companies offer this option, and not all homes qualify (typically, your roof must be within a certain age range), but guaranteed roof replacement could be worth adding if you have the option. This coverage will pay for the full cost of roof repairs or replacement after a covered peril rather than a depreciated value.

Related content:

Common Washington home insurance problems

Though home insurance rates in Washington are relatively low, that doesn’t mean that the insurance situation in the state is perfect. It’s important for homeowners in the region to understand the risks they face.

  • Rising threat of wildfire: Washington is in the top 10 when it comes to states at risk of wildfires. With climate change concerns and fires regularly making the news, residents of the state face an increased risk of loss from these events.
  • Rising insurance rates: A combination of detrimental weather events and high levels of inflation have driven insurers’ operating costs here. This can mean big increases in insurance costs for policyholders from year to year.

New

Recent news in Washington homeowners insurance market

Washington homeowners are seeing more frequent policy cancellations and nonrenewals due to the higher risk insurers would be taking on to cover homes here. The trend is partially due to destructive wildfires in the state in recent years, which resulted in costly claims. In 2022, the insurance commissioner’s office saw a tenfold increase in the number of complaints residents filed over home insurance cancellation notices. Roughly 80 percent of these policyholders lived in wildfire danger zones, and some were notified less than a month before wildfire season was to begin.

Frequently asked questions

How Bankrate chose the best home insurance companies in Washington

In our search for the best homeowners insurance in Washington, we looked at several of the largest companies in the state by market share. We started by analyzing average rate data from Quadrant Information Services. Then, we reviewed each company's coverage options, discount opportunities, digital tools and third-party scores from AM Best and J.D. Power. We combined these metrics and more into our proprietary scoring model to award each company a Bankrate Score on a scale of 0.0 to 5.0.

Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Editor, Insurance
Reviewed by Senior wealth advisor at Versant Capital Management