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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content.
Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.
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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.
Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.
All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.
Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.
All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
Price shouldn’t be the only consideration for homeowners when shopping for the best homeowners insurance in Washington State. Instead, homeowners should also consider what fits their unique situation to achieve peace of mind by having the right property insurance coverage and standout customer service and claims experience. Bankrate’s insurance editorial team analyzed dozens of the best Washington home insurance companies to help homeowners find the insurers that offer the best protection for their homes. Based on our analysis, USAA, State Farm and Chubb, among others, are ranked as some of the top home insurance carriers in Washington State.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Price shouldn’t be the only consideration for homeowners when shopping for the best homeowners insurance in Washington State. Instead, homeowners should also consider what fits their unique situation to achieve peace of mind by having the right property insurance coverage and standout customer service and claims experience. Bankrate’s insurance editorial team analyzed dozens of the best Washington home insurance companies to help homeowners find the insurers that offer the best protection for their homes. Based on our analysis, USAA, State Farm and Chubb, among others, are ranked as some of the top home insurance carriers in Washington State.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Price shouldn’t be the only consideration for homeowners when shopping for the best homeowners insurance in Washington State. Instead, homeowners should also consider what fits their unique situation to achieve peace of mind by having the right property insurance coverage and standout customer service and claims experience. Bankrate’s insurance editorial team analyzed dozens of the best Washington home insurance companies to help homeowners find the insurers that offer the best protection for their homes. Based on our analysis, USAA, State Farm and Chubb, among others, are ranked as some of the top home insurance carriers in Washington State.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare rates and save on home insurance today!
Compare rates and save on home insurance today!
Compare rates and save on home insurance today!
In our search for the best homeowners insurance in Washington, we looked at data on the largest companies in the state by market share. We started by analyzing average rate data from Quadrant Information Services. Then, we reviewed each company’s coverage options, discounts, digital tools and third-party scores from AM Best and the J.D. Power 2022 U.S. Home Insurance Study. We combined this information into our proprietary Bankrate Score model, which rates the companies on a scale of 0.0 to 5.0. The higher a company’s Bankrate Score, the more highly it ranked in the combined rating categories.
Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
According to our research, USAA, State Farm, Chubb, Nationwide and Allstate sell the best homeowners insurance in Washington State. These companies offer impressive customer service and financial strength ratings, and many offer cheap homeowners insurance premiums, on average. If you’re shopping for the best Washington homeowners insurance, you may want to compare quotes from these five companies:
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*USAA not officially ranked by J.D. Power due to eligibility restrictions
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Company overview
With a low average annual rate, high customer satisfaction score and superior financial strength, USAA took the top spot in our Bankrate Score analysis. However, coverage is only available to eligible current and former military members and certain family members, so it’s not an option for everyone. If you are a qualifying homeowner, USAA could be a great choice. The company tailors many of its policies to the unique needs of military families, with coverage for things like uniforms offered as a standard feature.
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Between its excellent ratings from J.D. Power and AM Best, its large agent network and its policy add-on options, State Farm ranks highly on our list of Washington home insurance carriers. Home insurance in Washington is not the cheapest through State Farm — its average annual rate is higher than the state average — but the carrier offers several ways to save on coverage. Bundling car and home insurance could be the most effective way to save as it would likely reduce the cost of your auto policy, but there are also potential options to save by installing security measures and using impact-resistant roofing.
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Best home insurance company for high-value homes
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Company overview
Chubb’s Masterpiece homeowners insurance policy comes with extra coverage that could offer peace of mind to homeowners. This includes extended replacement coverage for the structure of the home and replacement cost coverage for the belongings, appliances and cabinetry inside the home. However, Chubb ranked as one of the lowest carriers in J.D. Power’s 2022 Home Insurance Study.
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Washington State home insurance rates tend to be lower than the national average anyway, but at $551 per year for $250,000 in dwelling coverage — 39% cheaper than the state average — Nationwide has the lowest average annual rate on our list. On top of that, the company offers potential discounts that may help lower premiums even more, including bundling, claims-free, roof age and type, gated community and new home purchase. Nationwide received a lower-than-average score from J.D. Power, which may indicate that its service is less-than-stellar compared to some competitors.
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Best home insurance company for personalized policies
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Company overview
Allstate could be a good option if you’re looking for a highly-customized home insurance policy. Allstate could be a good option. The company offers plenty of endorsements to help you build the coverage you need. You could consider adding yard and garden coverage, electronic data recovery or water backup coverage. In addition, Allstate has local agents throughout the state for homeowners who prefer one-on-one service. Allstate has one of the lowest J.D. Power scores on our list, so it might not be the best fit for those who value service.
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The average cost of home insurance in 2022 in Washington State is $899 per year for $250,000 in dwelling coverage which is well below the national average of $1,383 per year, despite the risks of earthquakes, adverse weather and wildfires in the state. Washington State has a lower risk of widespread home damage than some other states, which may contribute to its lower-than-average rates. Although rates are lower, if you’re looking for the cheapest homeowners insurance, shopping around and comparing quotes may be worth considering.
When searching for the best home insurance in Washington State, choosing coverage to protect your finances from common perils is important. There are several policy types to choose from, with various coverage add-ons to consider when building your homeowners insurance policy.
Each state has its own unique risks that could pose a threat to your home. In Washington, some of the most common causes of home damage are:
Washington residents might want to consider optional coverage to expand their homes and property protections. Some of the most popular options include:
There are several types of home insurance policies, but the most common are HO-3 and HO-5 policies. Both policies are types of dwelling coverage which cover the structure of your home for any insurance perils that aren’t specifically excluded. However, HO-3 policies only cover your personal property from the types of losses specified, whereas HO-5 policies cover your belongings for anything not specifically excluded. Simply put, HO-5 policies typically provide broader coverage for your belongings than HO-3 policies. Gaining more insight into what homeowners insurance covers might help you better understand what your options are before making a decision.
No state legally requires home insurance, but if you have a mortgage or other type of home loan, your lender will probably require you to have a policy. Home insurance is typically a smart purchase even if you own your home outright. A policy could help you pay for repairs or rebuilding costs if your home is damaged or destroyed by a covered peril.
Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content.
Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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