Washington Homeowners Insurance

Shopping for homeowners insurance doesn’t need to be stressful. Compare rates by city and company below.

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How to find inexpensive insurance for your home in Washington

Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A homeowners insurance policy protects your home and your items against a number of misfortunes, including wind damage, fire, theft, vandalism, and others.

Unlike auto insurance, home insurance isn't priced based on state-level legislation. Even so, there are major differences in homeowners insurance costs from state to state. Policy costs in US states differ based on the total number and value of homeowners policy claims filed in that particular state, and depend on the value of the dwelling and belongings being insured.

The easiest way to find a cheap homeowners insurance policy in Washington is to get quotes from as many insurance companies as possible. Get an idea of home insurance rates in Washington state by referencing the below tables. Your rates may vary, depending on your coverage limits.

 

Washington homeowners insurance:
  1. By insurance company
  2. Rates by city
  3. Bundling home and auto insurance
  4. FAQs

 

Home insurance prices in Washington by insurer

Rates for homeowners insurance in Washington differ depending on the insurer you use. Safeco provides the most affordable home insurance policies in Washington, at only $305 yearly. This compares favorably to the state mean rate of $1,133, offering an $828 discount on rates typical to the state.

Start shopping for a home insurance policy by viewing average rates from top Washington carriers, listed below.

 

THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN WASHINGTON
Insurance CompanyAverage Annual Rate in Washington
Safeco$305.13
PEMCO Insurance$560.51
Grange Insurance$697.34
Travelers$697.74
Allstate$829.44

 

Washington home insurance by city

Not all Washington cities have equal homeowners insurance rates. Policy rates rely on local variables such as the number of claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The cheapest home insurance in Washington is found in Bellingham. An average homeowners insurance policy in Bellingham costs just $973 every 12 months — $160 less than the average Washington rate. The below cities have the most affordable home insurance in Washington.

 

AFFORDABLE CITIES FOR HOME INSURANCE IN WASHINGTON
CityAverage Annual Home Insurance Rate
Bellingham$973.06
Lacey$989.60
Olympia$1,003.57
Sammamish$1,019.88
Bellevue$1,021.04

 

How to bundle home and auto insurance in Washington

If you want to save, consider purchasing your home and auto policies from the same insurance company. Bundling auto and homeowners insurance in Washington can lead to substantial savings on car insurance. Purchasing bundled policies in Washington leads to an average annual savings of $110.

 

HOME AND AUTO INSURANCE BUNDLING SAVINGS IN WASHINGTON
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,182.00$1,072.00$110.0010%

 

Looking for information on homeowners insurance in a particular city?

 

Washington homeowners 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, directors' and officers' insurance offers protections to board members.

 

Earthquake insurance in Washington

Washington copes with roughly 10 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.

 

CHEAP HOMEOWNERS EARTHQUAKE COVERAGE IN WASHINGTON
CompanyAverage Annual Earthquake Insurance Rate
Liberty Mutual$354
Grange$474
PEMCO Insurance$523
Allstate$546
Travelers$829

 

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