The Best Home Insurance in Washington for 2024

Chubb and Country Financial are among the best home insurance companies in Washington.

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Updated · 6 min read
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Written by Sarah Schlichter
Lead Writer
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Assistant Assigning Editor
Fact Checked
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Co-written by Kayda Norman
Lead Writer

Chubb and Country Financial are among the best home insurance companies in Washington, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Washington state. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$3,180

4.5

NerdWallet rating 

$1,420

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$1,395

4.5

NerdWallet rating 

$955

4.5

NerdWallet rating 

$1,375

4.5

NerdWallet rating 

$1,095

5.0

NerdWallet rating 

$1,775

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

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)

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The best home insurance companies in Washington

Here's more information about the best homeowners insurance companies in Washington.

insurance-product-card-logo

Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

More than 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

Country Financial

5.0

NerdWallet rating 
Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial

5.0

NerdWallet rating 
Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

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Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

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American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

American Family receives far fewer consumer complaints than expected for a company of its size, which suggests policyholders tend to be happy with its service. You may be able to add coverage for identity theft, the breakdown of major appliances or repairs to service lines that run to your house.

Discounts may be available for installing smart-home devices, bundling home and auto insurance policies or setting up automatic payments.

insurance-product-card-logo

Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

insurance-product-card-logo

Farmers

4.5

NerdWallet rating 
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Farmers

4.5

NerdWallet rating 
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.

Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy water backup coverage, which applies if sewer lines or sump pumps back up and damage 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

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide

4.5

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

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than 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.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

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State Farm

4.5

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

4.5

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

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

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.

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Travelers

4.5

NerdWallet rating 
Offers lots of coverage options, decent discounts and a strong online experience.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Travelers

4.5

NerdWallet rating 
Offers lots of coverage options, decent discounts and a strong online experience.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Generous coverage and features for the military community.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

USAA

5.0

NerdWallet rating 
Generous coverage and features for the military community.

Coverage options

About 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?

The average annual cost of home insurance in Washington is $1,225. That's 36% less than the national average of $1,915.

In most U.S. states, including Washington, 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, those with poor credit pay an average of $1,495 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 22% more than those with good credit.

Average cost of homeowners insurance in Washington by city

How much you pay for homeowners insurance in Washington depends on where you live. For instance, the average cost of home insurance in Seattle is $1,185 per year, while homeowners in Yakima pay $1,460 per year, on average.

City

Average annual rate

Average monthly rate

Auburn

$1,310

$109

Bellevue

$1,205

$100

Bellingham

$1,160

$97

Bothell

$1,260

$105

Bremerton

$1,265

$105

Everett

$1,290

$108

Federal Way

$1,295

$108

Kennewick

$1,365

$114

Kent

$1,295

$108

Kirkland

$1,210

$101

Lakewood

$1,225

$102

Lynnwood

$1,130

$94

Marysville

$1,220

$102

Olympia

$1,120

$93

Pasco

$1,390

$116

Port Orchard

$1,125

$94

Puyallup

$1,380

$115

Redmond

$1,205

$100

Renton

$1,265

$105

Seattle

$1,185

$99

Snohomish

$1,220

$102

Spokane

$1,270

$106

Tacoma

$1,370

$114

Vancouver

$1,200

$100

Yakima

$1,460

$122

The cheapest home insurance in Washington

Here are the insurers we found with average annual rates below the Washington average of $1,225.

Company

NerdWallet star rating

Average annual rate

Grange Insurance Association

Not rated

$835

4.5

NerdWallet rating 

$955

Pemco

Not rated

$1,040

4.5

NerdWallet rating 

$1,095

Mutual of Enumclaw

4.0

NerdWallet rating 

$1,135

CIG

Not rated

$1,205

Did you know...

Effective June 1, 2024, home insurers in Washington are required to be more transparent about why they’re raising your premium. Under the new law, you’ll be able to request an explanation for why your rate went up, and the company will have to respond within 20 days.

Common risks for Washington homeowners

Here are a few things to keep in mind when evaluating home insurance options in Washington.

Earthquakes and landslides

Standard homeowners insurance doesn’t cover earthquakes or other earth movements like landslides or mudslides, so you may want to look into separate earthquake insurance or an earthquake endorsement. Be aware that earthquake insurance often has a separate deductible, which can be around 10% to 25% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you would need to pay a $40,000 deductible for earthquake damage before your insurance kicks in.

Wildfires

Your homeowners insurance will typically cover damage from fires. Always review your policy for exceptions and to ensure you have enough coverage in case of a total loss related to wildfire. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your home, so talk with your insurer to make sure you have enough coverage to rebuild if necessary. Learn more about wildfire insurance.

Flooding

Standard homeowners insurance policies typically don't cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water damage.

To assess your flood risk, look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.

🤓Nerdy Tip

Keep in mind that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect.

Winter weather

Your standard homeowners policy will cover most damage from winter weather, but carefully review the coverage in your policy, as there may be exclusions.

Be sure to take appropriate precautions to protect your home, as damage due to negligence may not be covered. For example, homeowners should keep their home temperature above 60 degrees and ensure water sources are drained or insulated to avoid the risk of flooding due to burst pipes.

Washington insurance department

The Office of the Insurance Commissioner in Washington state oversees the state’s insurance industry and provides helpful resources about insurance. If you’re having an issue with your insurance provider, you can file a complaint using its online form or by mail.

The Consumer Advocacy group can also help with your other insurance-related questions by live chat from 8 a.m. to 5 p.m. on Monday through Friday, by email or by phone at 800-562-6900.

Amanda Shapland contributed to this story.

Frequently asked questions

Homeowners insurance is not legally required in Washington state, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?

Homeowners insurance in Washington covers fires from most causes, including wildfires. Read more about wildfires and insurance.

There are several ways to save money on homeowners insurance in Washington:

  • 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.

Methodology

NerdWallet calculated median 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 2021-2023. 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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