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How to get affordable home insurance in Washington State


The easiest way to get a cheap homeowners insurance policy in Washington is to compare rates from multiple companies. Get an idea of homeowners insurance costs in Washington by referencing the below data. Remember: your rates may differ, depending on your coverage limits.


Home insurance in Washington:
  1. By insurance company
  2. Rates by coverage amount
  3. Rates by city
  4. Rates by deductible
  5. Bundling discounts
  6. FAQs
  7. Earthquake insurance


The cheapest home insurance companies in Washington

Rates for home insurance in Washington can vary depending on which insurance company you use. Safeco offers the cheapest home insurance in Washington state, at only $305 per year. This compares favorably to the state average rate of $1,133, providing an $828 price cut on average policy costs statewide.

Start searching for a home insurance policy by reviewing the best Washington carriers, listed below.


CompanyAverage Yearly Rate in Washington
PEMCO Insurance$561
Grange Insurance$697


Average homeowners insurance costs in Washington by coverage level

The amount of home coverage you select has an impact on the insurance premiums you pay. In Washington, maintaining $100K dwelling coverage costs an average of $523 per year, while carrying dwelling coverage up to $400K costs $1,317 per year.


Coverage LevelAverage Annual Rate
$100,000 Dwelling$523
$200,000 Dwelling$809
$250,000 Dwelling$899
$400,000 Dwelling$1,317


Washington homeowners insurance by city

Home insurance rates in Washington vary depending on the city. Rates depend on city-specific variables like the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The best home insurance rates in Washington are available in Bellingham. An average home insurance policy in Bellingham costs just $973 per year — $160 less than the average policy in other Washington cities. Reference the below table to see the cheapest cities in Washington for home insurance.


CityAverage 12-Month Home Insurance Rate


Learn more about homeowners insurance in Seattle.


Home insurance deductibles in Washington

Washington homeowners have a lot of choices to make when purchasing a homeowners insurance policy, including how high or low to set their deductible. The deductible is the total dollar amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible corresponds directly to how much you pay in insurance premiums.

Put simply, having a higher deductible translates to lower insurance rates. As such, if you want your insurance rates to stay low, aim for a higher deductible. Keep in mind that your deductible should only be set as high as you can reasonably afford if you suffer a loss.

The following table illustrates the typical premium costs affiliated with standard homeowners deductibles.


Deductible LevelAverage Annual Home Insurance Rate


How to save: bundle home and auto insurance in Washington

If you want to save on homeowners insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling auto and homeowners insurance in Washington can lead to substantial savings on your auto insurance bill. In fact, bundling policies in Washington state leads to a yearly discount of $110.



Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)




Washington home insurance FAQs


Can a Washington state resident sue their homeowners insurance company?

Residents of the state of Washington do have the right to sue their homeowners insurance companies. However, before you do, it would be wise to consult with a lawyer who can go over the details of your policy and help to judge the strength of your claim.

Does homeowners insurance cover board member liability in Washington?

In most cases, an HOA's liability insurance will extend to board members in Washington. Specifically, director's and officer's insurance offers protections to board members.



Earthquake insurance in Washington state

Washington faces roughly ten earthquakes per year, which means Washington residents may want to look into acquiring an insurance policy that covers earthquakes.* This type of coverage doesn’t come standard in home insurance policies. Earthquake coverage comes in the form of an added endorsement to your current policy, covering damages that result from earthquakes.

Another serious concern with earthquakes happens to be aftershocks. They can be severe and can continue causing damage long in the wake of the initial event. Fortunately, you pay a single deductible for damage from the initial earthquake as well as any aftershocks within a 72-hour period.

Those who live in areas known for earthquakes often have higher home insurance premiums, especially in the highest-risk areas. Earthquake coverage is not available from most standard insurers, but there are some coverage choices for those who live in states where earthquakes are a real threat. Insurance companies in Washington may allow you to purchase an endorsement to cover damage from earthquakes. Bear in mind, deductibles for earthquakes are typically higher than for standard perils listed in your homeowners policy. In Washington, a homeowners insurance endorsement for earthquake coverage carries an additional cost of $147 per year.

Have a look at some of these great options for earthquake coverage in Washington listed below. It's important to treat these figures as estimates only, as rates will vary based on your specific property.


CompanyAverage Annual Earthquake Insurance Rate
Liberty Mutual$354
PEMCO Insurance$523

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)


See homeowners rates online 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.

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  • 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.