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.

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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.

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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.

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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.

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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.

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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.

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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.

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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