Best Washington Homeowners Insurance Quotes (2025)

Allied offers some of the most affordable home insurance rates in Washington, with premiums averaging $77 per month.

Updated

Save up to $1,025† by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

The average cost of home insurance in Washington is $1,444 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. This is well below the national average of $2,520 for the same coverage levels.

While Washington law doesn’t require home insurance, most mortgage lenders require it. Additionally, having home insurance protects against potential risks and natural disasters, such as wildfires and strong storms.

Here’s what you need to know in order to secure the most affordable home insurance rates in Washington.

Quick Facts

  • Nationwide, Armed Forces Insurance Exchange, and Grange are some of the cheapest home insurance companies in Washington.

  • Washington homeowners who live in flood-prone areas might also consider purchasing flood insurance, which a standard home insurance policy doesn’t typically include.

  • Condo insurance in Washington costs $705 per year for a policy with $200,000 in dwelling coverage.

Best home insurance companies in Washington

Many reputable home insurance companies serve homeowners in Washington, but the best insurance company for you will depend on your individual situation, budget, and coverage needs. As you begin your search, keep the following industry leaders in mind.

  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: Allstate

Best insurer for discounts: Nationwide

Best insurer for military families: Armed Forces Insurance Exchange

Armed Forces Insurance Exchange is a great option for Washington homeowners who work at one of the state’s military bases, like Joint Base Lewis-McChord or Naval Station Everett. The company exclusively offers homeowners insurance to active-duty and retired service members, as well as ROTC cadets, retired U.S. Department of Defense employees, and more.

Armed Forces Insurance offers several home insurance endorsements, like earthquake coverage, flood coverage, and animal liability insurance. Customers can also take advantage of discounts, like a new home credit, burglar alarm discount, windstorm mitigation credit, and new roof credit.

Pros

  • Offers a variety of endorsements

  • Several discounts available

Cons

  • Only available to homeowners with a military affiliation

  • Can’t get a quote online

Best insurer for coverage options: Grange

Cheapest home insurance in Washington

The cheapest home insurance company in Washington is Allied, which has an average monthly premium of $77 per month for a policy with $300,000 in dwelling insurance. In the table below, you can see more home insurance companies in Washington that offer cheap rates.

Cost of homeowners insurance in Washington

The average cost of home insurance in Washington is $1,444 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. The national average is $2,520 for the same coverage levels.

The rate you pay for home insurance will depend on several factors, including your ZIP code, insurance claim history, age of the home, size of the home, the type of home insurance, coverage limits, deductibles, and more.1 That’s why it’s important to always compare quotes from at least three to five companies to find the best rates for you.

Cost of homeowners insurance by dwelling coverage amount

One of the biggest factors that affects home insurance premiums in the state of Washington is the coverage limit. Home insurance policies with higher dwelling insurance limits have higher premiums. For example, the average policy with $400,000 in dwelling coverage costs about $700 more than a policy with $200,000 in dwelling coverage.

In the table below, you can see the average annual home insurance premium in Washington for several different dwelling coverage limits for policies with a $1,000 deductible.

Cost of homeowners insurance by deductible

Most home insurance policies have a deductible for dwelling insurance and personal property insurance. The deductible is the amount you pay out of pocket when you have a covered loss. This means if you have a $3,000 personal property claim and a $500 deductible, you’d receive a $2,500 settlement from the insurance company.

In general, home insurance policies with high deductibles have lower premiums because you’re taking on more of the risk yourself. Meanwhile, policies with low deductibles have higher premiums because you’re asking the insurer to take on more risk.

Below, you can see the average cost of homeowners insurance in Washington for two different deductible amounts for policies with $300,000 in dwelling coverage.

How to get cheap homeowners insurance in Washington

To get cheaper home insurance in Washington, consider using these strategies:2

How much homeowners insurance do you need in Washington?

Homeowners insurance isn’t legally required in Washington. But if you take out a mortgage on your home, your lender will probably require you to purchase a policy. Before you get home insurance, it’s important to understand exactly what your policy covers and how much coverage is right for your situation.

Insurance professionals typically recommend purchasing enough dwelling insurance to cover the cost of rebuilding your home back to its original condition. You should choose a personal property coverage limit that roughly matches the value of the items you own, like clothing, furniture, small appliances, and decor.

For liability insurance, make sure to choose a coverage limit based on the value of your personal assets. This includes real estate, cars, boats, money in your savings accounts, retirement accounts, and investments. Setting a limit to match your assets ensures you have full protection in the event of a third-party liability claim.

Good to Know

Most home insurance companies offer several fixed coverage limits for medical payments insurance and additional living expenses. Selecting higher coverage limits will give you more financial protection, but your total premium will be higher.

What are some of the biggest risks when owning a home in Washington?

Washington residents face several risks that can damage or destroy properties. Here are some of the most common risks and natural disasters to be aware of:

Washington homeowners insurance FAQs

If you still have questions about how to secure the lowest home insurance rates in Washington, the following information can help.

  • How much is home insurance in Washington?

    The average cost of home insurance in Washington is $1,444 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is well below the national average of $2,520 for the same coverage levels.

  • Which company has the cheapest homeowners insurance in Washington?

    Allied offers the cheapest home insurance rates in Washington, at $77 per month for $300,000 in dwelling coverage.

  • Does Washington require homeowners insurance?

    Not legally. Home insurance isn’t required by law in Washington. But if you have a mortgage on your home, your lender will generally require you to carry home insurance in order to protect its investment.

  • What does homeowners insurance in Washington typically cover?

    Homeowners insurance typically protects you and your home from several covered perils including theft, fire, and several weather-related events. But it won’t cover you in the event of a flood. Protecting your home from flood damage requires separate coverage.

Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Learn More