Best Home Insurance in Washington (2023)

Compare personalized Home insurance rates in Washington

Home Insurance in Washington

Is it time to buy new homeowners insurance in Washington? If so, you may be looking for an affordable insurance policy that meets Washington homeowners requirements, and you want the decision-making process to be easy. It is possible to find cheap homeowners insurance that provides ample financial protection to you but to do so, you need to know how to compare policies. Here’s what you need to know.

Home Insurance Companies in Washington

Available homeowners insurance agencies in Washington can provide you with a lot of insight into what policy options are available to you. However, it is up to you to choose the best home insurance companies in Washington based on the quality of coverage they offer along with the price they quote. The best home insurance companies in Washington offer competitive rates and outstanding features but never limit your coverage beyond what you need. Work with independent home insurance agents in Washington to find policies right for your home.


How to Get the Best Rates for Home Insurance in Washington

To get home insurance policies in Washington, simply enter your zip code on this page. You’ll get a full list of options available to you.  


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Washington?

As you begin to get home insurance quotes in Washington, one of the concerns you may have is that rates seem to range widely. You want the cheapest home insurance in Washington, but how do you know you are getting the best price? To know this, you need to know what the average in the area is. Nationally, property owners pay $1,173 per year for their homes. The average annual premium in Washington is much lower at $811.


<twitter>Nationally, property owners pay $1,173 per year for their homes. The average annual premium in Washington is much lower at $811.</twitter>


List of Homeowners Insurance Companies in Washington

To help you learn about the companies serving your area of Washington, enter your zip code in our tool to receive a full list of options in insurers.

How Homeowners Insurance Is Calculated in Washington

Insurance companies need to rely on valuable information to make the right decision about coverage. To do this, they gather data about your home, but also about your area. Some of the key data points they use include the following.


<qa>1;Crime;Crime is a concern here. The average crime rate nationally is 24 incidents of property violence for every 1,000 residents. That is higher in Washington at 31.74 incidents per 1,000 homes. However, your area may not be this at risk.</qa>

<qa>2;Weather/Climate;Weather in Washington is typically mild, but there are some types of severe weather that can create damage to your home. Inland flooding, wildfires, coastal flooding, and general storm damage from wind can be a factor in how much you pay for coverage.</qa>

<qa>3;Home Values;The value of your home plays a big role in your costs. Your insurance company will base this off the value of your particular home, which means it can vary significantly from one home to the next. The median home value in Washington as of April of 2019 is $385,400.</qa>

Home Insurance Requirements in Washington

Having the right type of insurance is important. It is also essential to understand your coverage. Take a look at some of the most commonly asked questions regarding coverage in Washington.

Is Homeowners Insurance Required in Washington?

Home insurance in Washington isn’t a requirement by law, but it tends to be a legal requirement if you have a contract with your lender that states you must maintain it. Nearly all mortgage loans have this insurance coverage requirement.

What Does Home Insurance Cover?

When it comes to choosing home insurance, it’s important that it covers all of your risks. Most policies cover the structure itself, along with sheds and garages if you name them in the policy, as well as your possessions in your home. They also provide liability risks. Because there are risks of flooding in Washington, the standard policy typically does not include flood-related damage. You can purchase separate flood insurance.

Homeowners Insurance for New Properties in Washington

New homes need comprehensive insurance. When building your home, you’ll want to work with an insurer who can help you choose the right type of coverage for your needs. This should be enough to cover the value of the home if you have to rebuild it.

Homeowners Insurance for Older Properties in Washington

Home insurance in Washington for older homes may be a bit less in terms of cost. Yet, it is still very important to maintain. It helps protect your biggest investment from risks like storms and fires.

Renters Insurance in Washington

If you plan to rent a home, invest in renter’s insurance. Policies are available for homes, condos, and apartments. Most policies cost under $20 a month.


The property owner may not provide coverage for your possessions or liability risks. That’s why having your own renter’s insurance policy is so important. Some property management companies and landlords require 

renter’s to maintain insurance. They can refuse to rent to someone who doesn’t have it.


<zipcode>Compare Renters Insurance in Washington</zipcode>


Compare Home Insurance in Washington by City

To get the cheapest home insurance in Washington, be sure to compare all of your options. When you compare home insurance quotes, you’ll see differences based on where you live. That’s due to factors such as the following.


<qa>1;Home Insurance Quotes in Seattle, Washington;A modern, upscale city, Seattle is one of the most prominent communities in the Northwest. It’s home to 724,745 people. The median value of a home here is significantly higher than the national average at $729,400.</qa>

<qa>2;Home Insurance Quotes in Spokane, Washington;Spokane is in the eastern portion of the state with 217,108 people living there. The median value of a home here is $208,40.</qa>

<qa>3;Home Insurance Quotes in Tacoma, Washington;Near Seattle, Tacoma can be one of the most important areas for many residents living just outside this area. It’s home to 213,418 people. The median value of a home in Tacoma is $310,300.</qa>

<qa>4;Home Insurance Quotes in Vancouver, Washington;Vancouver is one of the most beautiful areas in the state. That could be why 175,673 people live there. You can expect the average home in Vancouver to have a value of $321,900.</qa>

<qa>5;Home Insurance Quotes in Bellevue, Washington;With 144,444 people, Bellevue is a thriving and fast-growing area. The median value in this high-end area is $922,600.</qa>


Bonus: Most Expensive Homes in Washington

If you think your insurance costs are high, you probably don’t want to have to insure one of these homes. These are the most valuable in the state.


  1. A sprawling home at SW 220th Street on Vashon Island is valued at $43 million.
  2. A mansion-like home at 5330 Butterworth Road on Mercer Island is valued at $26.8 million.
  3. The beautiful sprawling home at 66 Primrose Lane on Friday Harbor is valued at $19.9 million.