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Washington, D.C. homeowners insurance: what you need to know

The average cost of home insurance in the nation's capital is $1,035 per year ($86 per month). Home insurance, while optional, is an important product that keeps your home and belongings safe in the event of a variety of circumstances, such as wind damage, fire, theft, vandalism, and more. The best way to get a cheap homeowners insurance policy in Washington, D.C. is to compare rates from as many insurance companies as possible. 

Major gaps exist in homeowners insurance rates from state to state. Insurance policy prices in a given state differ based on the frequency and value of homeowners policy claims in that particular state, and also on the value of the belongings and home insured on the policy.

Find out average home insurance rates in Washington, D.C. via the below data. Your rates may vary, depending on your coverage limits.

 

Table of contents:
  1. Rates by company
  2. Bundling savings
  3. Natural disaster coverage

 

The cheapest home insurance companies in Washington, D.C.

Prices for home insurance in Washington, D.C. differ based on the insurance company you use. Great Northern offers the most affordable home insurance in Washington, D.C. — only $768 yearly. This beats the state's average rate of $1,035 — in fact, it represents a $268 improvement versus the territory's typical homeowners rates.

Begin your search for a home insurance policy by viewing average rates from top Washington, D.C. home insurance carriers, detailed below.

 

HOME INSURANCE RATES IN WASHINGTON, D.C.: BY COMPANY
Insurance Company Average Yearly Rate in Washington, D.C.
Great Northern $767
Vigilant Insurance Company $898
State Farm $931
Federal $958
Allstate $983

 

Home and auto insurance bundling in Washington, D.C.

If you're trying to save on insurance, consider holding your car and homeowners policies with the same insurance company. A home and car insurance bundle in Washington, D.C. can lead to substantial savings on car insurance. Bundling home and auto policies in Washington, D.C. may generate a yearly discount of $115.

 

HOME AND AUTO BUNDLING DISCOUNTS IN WASHINGTON, D.C.

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,483 $1,368 $115 8%

 

 

Natural disaster coverage in Washington, D.C.

 

Does homeowners insurance cover flooding in Washington, D.C.?

Damage from flooding, regardless of origin, is not covered by homeowners insurance policies in Washington, D.C., or any of the fifty states. To insure your home against flood damage, buy insurance from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250,000 structural coverage
  • $100,000 personal property coverage

If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection. 

Find an affordable homeowners policy in Washington, D.C. today!

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.