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How to find affordable homeowners insurance in Seattle

 
If you want to find cheap homeowners insurance in Seattle, start with looking around and comparing policies. Take a look at the summary below showing average homeowners insurance rates in Seattle to begin your homeowners insurance search with as much knowledge as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors. Homeowners insurance costs an average of $187 per month in Seattle, Washington. This higher than the national average monthly cost of home insurance.
 
A critical consideration for every homeowner should be insurance coverage for your home. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, having a home insurance policy is a solid investment.
 
What you pay for homeowners insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Discover more about what is covered by a homeowners insurance policy.
 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

 

Seattle home insurance by company

Homeowners insurance rates in Seattle vary from one insurance company to another. The most affordable home insurance in Seattle is Safeco offering average annual rates at just $277 per year. This is considerably cheaper than the city’s average homeowners premium of $2,249.

Start your search for a home insurance policy by reviewing the cheapest companies in Seattle, Washington, listed below. Then, see our list of which home insurance carriers ranked best for customer satisfaction

 
AFFORDABLE HOME INSURERS IN SEATTLE
Company Average Annual Rate
Safeco $277
PEMCO Insurance $521
Grange Insurance $545
Travelers $627
Allstate $703

 

Seattle homeowners insurance prices by coverage level

The amount of homeowners coverage you select has an impact on your insurance premiums. In Seattle, carrying $200K dwelling coverage costs an average of $1,747, while carrying additional coverage up to $400K costs $1,221 per year. Learn more about popular home insurance coverage amounts

 
POPULAR COVERAGE LIMITS IN SEATTLE
Coverage Level Average Annual Rate
$100K Dwelling $488
$200K Dwelling $1,747
$250K Dwelling $838
$400K Dwelling $1,221

 

Seattle home insurance rates by ZIP code

Home insurance costs can vary depending on what part of Seattle in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact on the amount you pay for insurance.

To find the most affordable homeowners insurance premiums in Seattle, look no further than 98109. In the 98109 area, homeowners coverage usually costs just $964 per year — a full $1,285 less than the Seattle average. The below table shows the best places to live in Seattle if you’re looking for affordable homeowners insurance.

 
AFFORDABLE HOME INSURANCE AREAS IN SEATTLE
ZIP Code Average Annual Home Insurance Rate
98109 $964
98107 $965
98119 $967

Some parts of Seattle, however, are prone to home insurance premiums that are higher on average. Such areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. With an annual average premium of $1,123, 98168 comes in as the priciest ZIP code in Seattle for home insurance.

 
EXPENSIVE HOME INSURANCE AREAS IN SEATTLE
ZIP Code Average Annual Home Insurance Rate
98168 $1,123
98195 $1,116
98144 $1,102

 

Seattle homeowners insurance deductibles

One of the many choices to be made when buying a homeowners insurance policy is how high to set your deductible. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. Choosing where to set your deductible can have a major impact on how much you pay for homeowners insurance.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want your insurance rates to remain low, aim for a higher deductible. Be mindful of the fact that your deductible should only be as high as you can reasonably pay if you suffer a loss.

The following table reveals the average premiums affiliated with most deductibles.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN SEATTLE
Deductible Level Average Annual Homeowners Insurance Rate
$500 $926
$1,000 $838
$1,500 $790
$2,000 $730
$5,000 $624

 

Home and auto insurance bundling in Seattle

If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Seattle homeowners could see annual savings of 11% on average.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN SEATTLE
Company Avg. Annual Auto Insurance Rate (With Bundle)
PEMCO Insurance $851
USAA $910
Progressive $1,043
GEICO $1,128
State Farm $1,140

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.