The Best Home Insurance in Washington, D.C. for 2023

We analyzed the cheapest rates and top companies for homeowners insurance in Washington, D.C.
Sarah Schlichter
Kayda Norman
By Kayda Norman and  Sarah Schlichter 
Published
Edited by Caitlin Constantine

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The average cost of homeowners insurance in Washington, D.C. is $995 per year, or about $83 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

We’ve analyzed rates and companies across the state to find the best homeowners insurance in Washington, D.C.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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The best homeowners insurance in Washington, D.C.

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$895

5.0

NerdWallet rating 

$1,030

4.5

NerdWallet rating 

$1,150

5.0

NerdWallet rating 

$870

*USAA homeowners policies are available only to active military, veterans and their families.

More about the best home insurance companies in Washington, D.C.

insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.


insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.


insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Close to expected
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup, identity theft and stronger materials to replace your roof.

The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes.


insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a “replacement cost” basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.


How much does homeowners insurance cost in Washington, D.C.?

The average annual cost of home insurance in Washington, D.C., is $995. That’s 45% less than the national average of $1,820.

In most of the U.S., including Washington, D.C., many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Washington, D.C., those with poor credit pay an average of $2,045 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s more than twice as much as those with good credit.

The cheapest home insurance in Washington, D.C.

Here are the insurers we found with average annual rates below the Washington, D.C. average of $995.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$895

5.0

NerdWallet rating 

$870

*USAA homeowners policies are available only to active military, veterans and their families.

What to know about Washington, D.C. homeowners insurance

If you’re shopping for the best homeowners insurance in Washington, D.C., make sure to consider risks like flooding and winter weather when buying your policy.

Flooding

Washington, D.C. is susceptible to flooding, especially during heavy rain. Standard homeowners insurance doesn’t cover flood damage, so homeowners at risk of flooding should look into separate flood insurance.

To find out your risk, check out the Federal Emergency Management Agency's flood maps and RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind. Approximately 20 to 25% of all flood claims come from properties in low-risk areas.

Remember that while you can purchase flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.

Winter weather

Washington, D.C. gets its fair share of winter storms, including freezing temperatures and heavy snows during Nor’easters. These cold winters can lead to problems like frozen pipes and roof damage from snow and ice accumulation.

Homeowners insurance generally covers winter storm-related damage, but some types of winter weather damage may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt, and insurers may refuse to pay for damage caused by frozen pipes if it appears you neglected to take steps to reduce risk by, for example, keeping your home at an adequate temperature, even when you’re out of town.

Earthquakes

Earthquakes in the Washington D.C. area are rarely of high magnitude, but even minor quakes can damage aging buildings. Since standard homeowners insurance policies do not typically cover structural damage caused by earthquakes, you will need to buy additional earthquake insurance if you’re concerned about the risk of earthquakes to your home.

Earthquake insurance often has a separate deductible, which can be between 10% and 20% of your dwelling coverage limit. If you have a 10% deductible on $200,000 of coverage, you’d need to pay $20,000 to repair earthquake damage before your insurance covers anything.

Washington, D.C. insurance department

The District of Columbia Department of Insurance, Securities and Banking oversees the district’s insurance industry. In addition to providing information about homeowners insurance, the department can also help if you have a dispute with your insurer. You can submit a complaint form online, by mail or fax, or by delivering it directly to the office. Call the department with questions at 202-727-8000.

Looking for more insurance? Check out the cheapest car insurance in Washington, D.C.

Frequently asked questions

Homeowners insurance is not required by law in Washington D.C. However, your lender may require you to purchase home insurance. For more information, read Is Homeowners Insurance Required?

There are several ways to save money on homeowners insurance in Washington, D.C.

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

  • Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.

  • Ask your insurer if you qualify for any home insurance discounts.

Amanda Shapland contributed to this story.

Methodology

NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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