Seattle Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Seattle


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a home, investing in homeowners coverage can seem like a great idea.

The cost of home insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance policies may be more expensive to account for the extra risk. Find out more information about what a home insurance policy covers.

Finding the cheapest home insurance in Seattle starts with shopping around and comparing policies. Have a look at the summary below comparing average Seattle homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


Seattle, Washington, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Seattle by insurance company

What you pay for homeowners insurance in Seattle will depend on the insurance company you get your policy through. Safeco offers the most affordable home insurance in Seattle, at just $277 per year. This compares favorably to the city’s average homeowners premium of $2,249.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Seattle, Washington.


AFFORDABLE HOME INSURANCE COMPANIES IN SEATTLE
CompanyAverage Annual Rate
Safeco$277
PEMCO Insruance$521
Grange Insurance$545
Travelers$627
Allstate$703

Average homeowners insurance costs in Seattle by coverage level

Your chosen amount of homeowners coverage determines the insurance premiums you pay . In Seattle, carrying $200K dwelling coverage costs an average of $1,747, while carrying additional coverage up to $400K costs $2,975 per year.


HOMEOWNERS INSURANCE RATES IN SEATTLE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,747
$400K Dwelling$2,975

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Seattle home insurance prices by ZIP code

Depending on which part of Seattle you live in, you could see a big difference in your home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically impact your home insurance rates.

If you're looking for the cheapest homeowners coverage in Seattle, take at look at the 98109 ZIP code. In the 98109 area, homeowners policies typically cost just $964 per year, which isa full $1,285 less than the overall average for Seattle. Find the best places to live in Seattle for cheap home insurance by looking at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN SEATTLE
ZIP CodeAverage Annual Home Insurance Rate
98109$964
98107$965
98119$967

On the other hand, some areas of Seattle face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. One of the costliest ZIP codes for homeowners coverage in Seattle is 98168, with an annual average rate of $1,123.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SEATTLE
ZIP CodeAverage Annual Home Insurance Rate
98168$1,123
98195$1,116
98144$1,102

Money-saving tip: bundle home and auto insurance in Seattle

If saving money is something you're concerned with, it might be worth insuring your home and auto through the same insurance company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Seattle could, in fact, lead to average annual savings of 11%.


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

Bundling your homeowners and auto policies can be a great way to save some money on insurance. To speak with an insurance professional, call 855-493-9728 today.


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