Shopping for homeowners insurance doesn’t need to be stressful. Compare rates by city and company below.
Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A home insurance policy defends your house and property from a variety of circumstances, including wind damage, fire, theft, vandalism, and others.
Major gaps exist in home insurance costs from state to state. Homeowners rates in states differ based on the value and number of homeowners policy claims filed in that particular state, and also on the value of the dwelling and belongings being insured.
The best way to acquire a cheap home insurance policy in Washington is to compare rates from as many insurers as possible. Find out how much home insurance costs in Washington by reviewing the below data. Remember: your rates may differ, depending on your coverage limits.
Prices for home insurance in Washington will vary depending on which insurer you select. Safeco offers the cheapest home insurance policies in Washington — $305 annually. This compares favorably to the state average cost of $1,133, offering an $828 discount on average policy costs statewide.
Start searching for home insurance by reviewing the most affordable Washington carriers, listed below.
| Company | Average Yearly Rate in Washington |
| Safeco | $305.13 |
| PEMCO Insurance | $560.51 |
| Grange Insurance | $697.34 |
| Travelers | $697.74 |
| Allstate | $829.44 |
Home insurance rates in Washington vary depending on the city. Policy pricing depends on local variables such as the likelihood of weather-related claims in the area, meaning your specific ZIP code could impact how much you pay.
The best home insurance rates in Washington are in Bellingham. The average homeowners insurance policy in Bellingham runs only $973 annually — $160 less than the statewide average. Reference the below table to see the cheapest cities in Washington for home insurance.
| City | Average 12-Month Home Insurance Rate |
| Bellingham | $973.06 |
| Lacey | $989.60 |
| Olympia | $1,003.57 |
| Sammamish | $1,019.88 |
| Bellevue | $1,021.04 |
If you want to save on homeowners insurance, consider buying your home and auto policies from the same insurance company. A home and auto insurance bundle in Washington can save you a substantial sum each month on car insurance. Bundling home and auto policies in Washington may generate yearly savings of $110.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,182.00 | $1,072.00 | $110.00 | 10% |
One of the best ways to save on auto insurance is bundling. Compare rates today!
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Washington copes with roughly 10 earthquakes per year, which means that 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.
*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)
