Compare Home Insurance Quotes from Providers in Washington
Selecting a home insurance company is about finding the best blend of low prices, rock-solid customer service and coverage options that match your needs. We compared thousands of home insurance quotes quotes and 12 major insurance companies to find the best home insurance options for homeowners with a range of different insurance needs.
In Washington, we found that the best price for a typical homeowner is just $511 per year. However, we recommend that homeowners look for more than just a cheap price when picking a home insurance. Read on for the absolute best home insurance companies in Washington state.
The cheapest options for homeowners insurance in Washington
We collected home insurance quotes from 12 of the most popular insurance companies in Washington to determine which one offers the best rates to homeowners. We found that Nationwide offers the best home rates by far, with an average cost of just $511. That's 51% cheaper than the statewide average and $261 less than the second cheapest insurer in the state.
The average cost of homeowners insurance in Washington State is $1,234 per year.
Compare Home Insurance Quotes from Providers in Washington
Best for most people: Mutual of Enumclaw
Our choice for the best home insurance company for most people in Washington is Mutual of Enumclaw. Mutual of Enumclaw has excellent insurance rates, well-regarded customer service and a variety of coverages and discounts that should appeal to a wide range of Washington homeowners.
Mutual of Enumclaw's statewide average price was $772 per year, which was the cheapest price we found for coverage and 37% less than the average price we found across the state.
Like many companies, Mutual of Enumclaw offers a discount for bundling your home and car policies together. But Enumclaw customers get a few extra benefits: For example, if your home and car are both damaged in an accident, you only have to pay one deductible.
Mutual of Enumclaw also has a robust wildfire monitoring and protection system that's free for everyone who has a policy. If your home is in danger of being consumed by a wildfire, Mutual of Enumclaw will pay for firefighters to protect your home.
The biggest potential drawback of Enumclaw is that the only way to get a quote or buy a policy is through an independent agent. There's no way to get a quote online. However, Enumclaw's customers tend to be happy with the service they receive from their agents, and you can file a claim and manage your policy on the web.
Best large insurance company: Allstate
Allstate is our runner-up pick for Washington homeowners, and the best large insurance company. Allstate offered prices that were nearly as affordable as our top choice and has a wide variety of insurance policies available.
The average price we found from Allstate was $793, which is 36% less than the statewide average and only $21 more expensive than our main pick. Allstate also has a full suite of insurance products: home, auto, life, business and more. Washington homeowners who need a variety of different policy types are likely to find the kind of insurance they need at Allstate.
And as one of the nation's largest insurers, Allstate has excellent financial stability. It's received an A+ financial stability rating from A.M. Best, indicating "superior" financial strength. And Allstate has all the powerful online tools you'd expect from a big name insurer: You can get quotes, manage your policy and file a claim from your computer or smartphone.
Best for high-value homes: Chubb
Owners of high-value homes should take a look at Chubb insurance. While Chubb didn't offer the absolute lowest rates in the state, its prices were still on the affordable side — $926 per year, or 25% less than the state average.
What sets Chubb apart for the owners of exotic or expensive homes are the coverages and service it provides. Chubb allows its customers to buy policies with higher limits than may be available at other insurers. And it offers benefits and perks that may appeal to owners of high-end homes. For example, it offers a cash-out option: If your home is completely destroyed by a covered peril, you can simply keep the payout rather than be required to use the money to rebuild in the same place.
Chubb has also earned a reputation for an extremely customer-friendly claims process. According to Chubb customers, you won't have to jump through hoops to have your claims paid out.
However, we don't recommend Chubb for typical homeowners because it typically has high required coverage limits. Owners of typical homes may have to buy a policy with more coverage than they need in order to qualify for a Chubb policy.
Best for military families: USAA
We recommend USAA for members of the military and their families, though its rates are not as competitive in Washington as in other states ($1,699, or 38% more than the statewide average). What makes USAA worth considering for military personnel is its coverage options tailored to people in the military. For example, USAA waives your deductible on your military uniform while you're on active duty. And unlike most home insurers, your personal property is covered in war zones.
USAA also has very highly regarded customer service and financial stability. It's one of only two home insurance companies nationwide to get a 5-star rating for customer satisfaction from J.D. Power, and it has an A++ rating from A.M. Best — the highest possible score.
It's also worth noting that USAA has strict eligibility requirements. You may only sign up for insurance from USAA if you are a current or former member of the U.S. armed forces or if a direct family member (usually a spouse or parent) has a USAA insurance policy.
Washington insurance rates: City-by-city breakdown
In addition to a statewide rate comparison, we also did a city-by-city comparison of the largest cities in Washington. For each city, we found the average cost across every ZIP code inside it and calculated how that cost compares to the statewide average.
% Difference from state average
We've also compared figures on a national and state-by-state basis if you need more information about the typical rates for home insurance coverage.
The best-reviewed homeowners insurance companies in Washington
NAIC complaint index
JD Power HO3
|American Family Insurance||0.32||3/5||A|
|Mutual of Enumclaw||0.24||--||A-|
Common homeowners insurance perils in Washington
Located in the Pacific Northwest, Washington state's most common regional insurance perils are wildfires, floods, earthquakes and other dangers related to earth movement. Some of these are covered by standard home insurance but others are not.
Are wildfires covered by homeowners insurance?
Wildfires are common in Washington, especially in the central part of the state during the late summer. Fortunately, fires of any kind are almost always covered by homeowners insurance: fire damage is one of the 16 insurance perils that are included in nearly every insurance policy.
However, if you live in an area that's at a very high risk of wildfire, it's possible you will not be able to get a home insurance policy from a regular insurance company. If that's the case, you may need to buy coverage from a provider that offers high-risk coverage.
One of the most distressing things about fires is that they often completely destroy homes — which is why having insurance that covers fire is so important. Make sure your home insurance policy has enough coverage to pay to replace all your property.
Are earthquakes and other earth movement covered by homeowners insurance?
Washington is home to a substantial amount of seismic activity. The Cascadia fault is located only a few miles off the Pacific coast of Washington, and small earthquakes occur on a daily basis. Larger earthquakes happen less frequently, but they do happen, especially along the western edge of the state.
Unfortunately, damage to your home from earthquakes is not covered by a standard homeowners insurance policy. Damage from "earth movement," which includes earthquakes, landslides and mudslides, are specifically excluded from most homeowners insurance policies.
Instead, if you live in an area with frequent seismic activity, you'll need to buy a stand-alone earthquake insurance policy to protect your home. Earthquake insurance is not legally required in Washington, but it's the only way to get insurance to pay for earthquake damage.
The only possible exception to this is if the "earth movement" is caused by another covered peril. For example, if a widespread fire creates unstable earth and triggers a landslide, you may be able to make a claim under your regular home insurance. This is because the fire was the original cause of the damage.
Are floods covered by homeowners insurance?
Flooding is an occasional occurrence in Washington state, and the most common cause is flooding rivers due to rain; flooding from coastal storms is much less common in Washington than on the East Coast.
Flood damage is essentially never covered by homeowners insurance. Instead, you'll need to buy a stand-alone flood insurance policy that covers damage due to flooding. You have two main options: a policy through the National Flood Insurance Program (NFIP), which is backed by the federal government, or a totally private policy.
The main difference between the two options is that NFIP insurance is available to all homeowners, regardless of flood risk; on the other hand, private insurance policies have a lot more flexibility when it comes to coverage limits, prices and waiting periods. If you're considering buying flood insurance, it's worth checking to see which suits your needs better.
To do our analysis, we gathered thousands of insurance quotes from 12 of the biggest insurance companies in Washington state. Our sample home was a 2,100-square-foot-house built in 2981 with a dwelling coverage limit of $339,000.
Insurers included in our study:
- State Farm
- Liberty Mutual
- Farmers Insurance
- Mutual of Enumclaw
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.