Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Washington, offering the best coverage for high-value homes.
Amica has the best digital tools.
State Farm offers the best coverage for most homes.
Cincinnati Insurance received the fewest complaints.
USAA is our top pick for military members, veterans and their families.
Home insurance premiums are on the rise in Washington state, but average costs overall still tend to be lower than the national average. To help you find the best home insurance in Washington, we gathered and analyzed data from providers across the state.
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.
The best home insurance companies in Washington
Best coverage for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb caters to owners of high-end homes, offering generous coverage that other insurers charge extra for. For example, Chubb’s standard policies include replacement cost coverage for your belongings and coverage from damage caused by backed-up drains.
Standout feature: If your home is destroyed by a covered event, Chubb will give you the option to take a cash payout, up to your policy limit.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best digital tools
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica’s website makes it easy to manage policies, pay bills, and file and track claims. The company is also highly rated for its customer service, which policyholders can access by live chat and phone.
Standout feature: You may be able to save up to 30% by bundling your home and auto policies with Amica. This is one of the more robust bundling discounts we’ve seen.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
Best coverage for most homes
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: As the nation’s largest home insurer, State Farm is a strong choice for most homeowners. The insurer’s policies generally provide extra coverage in case your home costs more to rebuild than expected, as well as replacement cost coverage for your belongings.
Standout feature: Policyholders can get a free Ting device, which helps prevent potential fires by monitoring your home’s electrical system.
Average rates: Below are average rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,595 |
$400,000 | $1,900 |
$500,000 | $2,305 |
$600,000 | $2,680 |
$700,000 | $3,015 |
» READ MORE: State Farm homeowners insurance review
Fewest complaints
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Out of all of the insurers in our analysis, Cincinnati Insurance had one of the lowest rates of consumer complaints. This suggests Cincinnati’s customers are happy with the service they receive.
Standout feature: Policyholders may be eligible for discounts on water shut-off devices. These can help prevent leaks from damaging your home.
Average rates: Not available.
» READ MORE: Cincinnati homeowners insurance review
Best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA offers perks specifically tailored for the military community, including deductible-free coverage for military equipment and uniforms. Policyholders may also save up to 10% by bundling their home and auto insurance.
Standout feature: USAA’s standard home insurance policies include replacement cost coverage for your belongings, which lets you replace stolen or damaged items with brand-new ones.
Average rates: Below are average rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,620 |
$400,000 | $1,930 |
$500,000 | $2,250 |
$600,000 | $2,565 |
$700,000 | $2,880 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Washington
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$4,125 | ||
$2,640 | ||
$2,315 |
How much does homeowners insurance cost in Washington?
The average cost of homeowners insurance in Washington is $2,275 per year, or about $190 per month. That's 24% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Washington homes is $456,643, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,520 |
$400,000 | $1,880 |
$500,000 | $2,275 |
$600,000 | $2,695 |
$700,000 | $3,075 |
The rates above are for homeowners with good credit on their record. In Washington, policyholders with poor credit pay an average of $3,105 per year — an increase of 36%.
Average cost of homeowners insurance in Washington by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Seattle is $1,990 per year, while Yakima homeowners pay $2,355 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Auburn | $2,075 | $173 |
Bellevue | $1,955 | $163 |
Bellingham | $1,995 | $166 |
Bothell | $2,115 | $176 |
Bremerton | $1,900 | $158 |
Edmonds | $1,960 | $163 |
Everett | $2,025 | $169 |
Federal Way | $2,230 | $186 |
Kennewick | $2,440 | $203 |
Kent | $2,035 | $170 |
Kirkland | $2,025 | $169 |
Lacey | $2,030 | $169 |
Lakewood | $2,145 | $179 |
Marysville | $2,225 | $185 |
Olympia | $2,150 | $179 |
Pasco | $2,425 | $202 |
Redmond | $1,975 | $165 |
Renton | $2,045 | $170 |
Richland | $2,395 | $200 |
Sammamish | $1,895 | $158 |
Seattle | $1,990 | $166 |
Spokane | $2,125 | $177 |
Tacoma | $2,195 | $183 |
Vancouver | $2,095 | $175 |
Yakima | $2,355 | $196 |
The cheapest home insurance in Washington
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
Grange Insurance Association
Not rated
$1,010
Pemco
Not rated
$1,280
CIG
Not rated
$1,320
$1,320
$1,415
Company
NerdWallet star rating
Average annual rate
Grange Insurance Association
Not rated
$1,330
Pemco
Not rated
$1,590
CIG
Not rated
$1,610
$1,725
$1,835
Company
NerdWallet star rating
Average annual rate
Grange Insurance Association
Not rated
$1,650
$1,670
Pemco
Not rated
$1,825
CIG
Not rated
$1,850
$2,250
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Grange Insurance Association
Not rated
$1,970
Pemco
Not rated
$1,985
$2,010
CIG
Not rated
$2,125
$2,565
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Pemco
Not rated
$2,210
Grange Insurance Association
Not rated
$2,290
$2,370
CIG
Not rated
$2,380
$2,880
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Washington by claims history
Here are the cheapest home insurance companies in Washington for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Grange Insurance Association | Not rated | $1,685 |
$1,745 | ||
Pemco | Not rated | $2,485 |
$2,505 | ||
CIG | Not rated | $2,540 |
These rates are based on a sample homeowner with good credit, $500,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Washington by credit score
Here are the cheapest home insurance companies in Washington for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Pemco | Not rated | $1,820 |
$2,305 | ||
$2,640 | ||
$3,035 | ||
CIG | Not rated | $3,055 |
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Washington home insurance problems
Wildfires. Homeowners insurance typically covers damage from fires, but Washington homeowners in areas with higher wildfire risk are finding it harder to buy home insurance. In response, state officials have proposed legislation aimed at reducing nonrenewals and cancellations and requiring insurers to share wildfire risk information with consumers. Learn more about wildfires and insurance.
Flooding. The Pacific Northwest often sees heavy rainfall from atmospheric rivers, such as the one that flooded parts of western Washington state in December 2025. Experts say the Pacific Northwest will likely see atmospheric rivers become stronger and more damaging as the climate changes. Home insurance doesn’t cover flood damage, so if you’re concerned about flooding, you may need to buy flood insurance.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Earthquakes. Homeowners insurance doesn’t cover earthquakes or other earth movements like landslides or mudslides, so you may want to look into earthquake insurance. It often has a separate deductible, which can be around 10% to 25% of the building coverage on your policy. For example, if you have a 20% deductible on $400,000 of coverage, you would need to pay an $80,000 deductible for earthquake damage before your insurance kicks in.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Consider buying earthquake insurance if you live in an at-risk area.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Washington FAIR Plan Association
Established in 1968, Washington’s FAIR Plan Association is somewhat generous about who can apply for coverage. The association simply states you’re encouraged to shop for private insurance and that you’ll have to work with a state licensed agent to apply for a policy.
Standard policies from Washington’s FAIR Plan cover fire and lightning up to a limit of $1.5 million per property, but you may be able to buy coverage for other kinds of perils. Vacant properties are generally not eligible for insurance.
Like most FAIR plans, policies from the Washington FAIR Plan Association are actual cash value only. That means that if you make a claim, you’ll be offered what your home and belongings were worth, not what it would cost to replace or rebuild them.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Washington department of insurance
The Office of the Insurance Commissioner oversees Washington state’s insurance industry and provides helpful resources about insurance. If you’re having an issue with your insurer, you can file a complaint using the agency's online form.
The department can also help with your other insurance-related questions by email or by phone at 800-562-6900.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't legally required in Washington state, but if you have a mortgage, your lender may require you to buy it. For more information, read Is Homeowners Insurance Required?
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.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Insurance Business. Washington Senate Bills Would Implement Public Wildfire Risk Scores and Obstruct Nonrenewals. Accessed Feb 20, 2026.
- 2.U.S. Department of Agriculture. Atmospheric Rivers in the Northwest. Accessed Feb 20, 2026.
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
