Best and Cheapest Homeowners Insurance in Washington, D.C. for 2025 (10 Affordable Companies)

Allstate, American Family, and Progressive are the top picks for the best and cheapest homeowners insurance in Washington, D.C., with rates starting at $61/month. Allstate offers great overall coverage.

While American Family focuses on family-friendly plans, and Progressive is known for affordable prices. These companies provide solid protection for your home against risks like theft, fire, and storms. Whether you need flexible coverage or a budget-friendly option, they have plans to fit your needs.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$61	A+	Comprehensive Coverage	Allstate
	#2	$62	A	Family Protection	American Family
	#3	$64	A+	Affordable Rates	Progressive
	#4	$65	A++	Military Families	USAA
	#5	$66	A++	Online Quotes	Geico
	#6	$67	A++	Discounts Offered	Travelers
	#7	$68	A	Customizable Plans	Liberty Mutual
	#8	$69	A+	Home Coverage	Nationwide
	#9	$71	B	Reliable Service	State Farm
	#10	$72	A	Flexible Options	Farmers

Compare rates to find the best deal for your home, starting with Allstate as the top choice for cost and coverage. With home prices rising, securing cheap home insurance coverage is important. Get started today by entering your ZIP code into our free quote tool.

What You Should Know

• Find the best and cheapest homeowners insurance in Washington, D.C., with rates starting at $61/month
• Allstate is the top pick in Washington, D.C., offering comprehensive coverage and excellent value
• Compare affordable rates and reliable coverage options to save on homeowners insurance in D.C

#1 – Allstate: Top Overall Pick

Pros

• Comprehensive Coverage: Allstate offers strong protection for homes in Washington, D.C., starting at $61/month.
• Affordable Rates: One of the lowest starting rates in Washington, D.C., for homeowners insurance. Explore more in our Allstate review.
• Discounts Available: Allstate provides bundling and safety discounts to help Washington, D.C., homeowners save.

Cons

• Limited High-Risk Coverage: Options for high-risk areas in Washington, D.C., may be more restricted.
• Premium Increases: Rates in Washington, D.C., may rise after a claim is filed.

#2 – American Family: Best for Family Protection

Pros

• Family-Focused Policies: American Family offers tailored plans for families in Washington, D.C., starting at $62/month.
• Flexible Plans: Homeowners in Washington, D.C., can adjust coverage to fit family needs.
• Bundling Discounts: Offers savings for combining home and auto insurance in Washington, D.C.

Cons

• Limited Agents: Fewer local offices in Washington, D.C., compared to other companies.
• Add-On Costs: Extra coverage can make premiums more expensive in Washington, D.C.

#3 – Progressive: Best for Affordable Rates

Pros

• Affordable Rates: Progressive starts at $64/month, making it a budget-friendly option for Washington, D.C., homeowners.
• Easy Online Tools: Offers quick quotes and policy management for homeowners in Washington, D.C.
• Variety of Coverage Options: Based on our Progressive review, it provides plans to fit different needs in Washington, D.C.

Cons

• Claims Support: Some Washington, D.C., customers report slower claims processing.
• Discounts: Fewer discount options compared to other Washington, D.C., providers.

#4 – USAA: Best for Military Families

Pros

• Tailored for Military Families: Offers unique coverage for military members in Washington, D.C., starting at $65/month.
• Excellent Customer Support: Washington, D.C., homeowners praise USAA for its service. Delve into our USAA review.
• Comprehensive Coverage: Provides strong policies for Washington, D.C., military families.

Cons

• Eligibility Limits: Only military families in Washington, D.C., can access USAA coverage.
• Limited Local Offices: Few physical locations in Washington, D.C., for in-person help.

#5 – Geico: Best for Online Quotes

Pros

• Fast Online Quotes: Geico makes getting a quote in Washington, D.C., quick and simple, with rates starting at $66/month.
• Affordable Policies: Offers competitive pricing for homeowners insurance in Washington, D.C.
• Custom Coverage: Adjust your policy to meet specific needs in Washington, D.C. (Learn more: 32 Genius Ways to Save Money).

Cons

• Minimal Local Help: Geico’s online focus means less in-person support in Washington, D.C.
• Discount Options: Fewer savings opportunities compared to other Washington, D.C., providers.

#6 – Travelers: Best for Discounts Offered

Pros

• Lots of Discounts: Travelers offers multiple ways to save on homeowners insurance in Washington, D.C., starting at $67/month.
• Reliable Coverage: Provides dependable protection for homes in Washington, D.C. Check out our Travelers review.
• Custom Plans: Washington, D.C., homeowners can tailor policies to meet their needs.

Cons

• Higher Base Rates: Discounts might not offset higher starting premiums in Washington, D.C.
• Policy Details: Some Washington, D.C., customers find the plans harder to understand.

#7 – Liberty Mutual: Best for Customizable Plans

Pros

• Custom Plans: Liberty Mutual allows Washington, D.C., homeowners to personalize their coverage, starting at $68/month.
• Bundling Discounts: Offers savings for combining policies in Washington, D.C. Read our Liberty Mutual review to learn more.
• Good Customer Support: Homeowners in Washington, D.C., report positive experiences with claims.

Cons

• Higher Starting Rates: Rates for Washington, D.C., homes are slightly above average.
• Fewer Add-Ons: Limited options for extra coverage in Washington, D.C.

#8 – Nationwide: Best for Home Coverage

Pros

• Home Protection: Nationwide provides solid coverage for homes in Washington, D.C., starting at $69/month.
• Discounts: Offers savings for home safety features and policy bundling in Washington, D.C.
• Flexible Plans: Tailored policies for Washington, D.C., homeowners’ needs. For a comprehensive list, refer our Nationwide review.

Cons

• Claims Response Time: Some Washington, D.C., customers report slower responses.
• Higher Premiums: Comprehensive coverage can be more costly in Washington, D.C.

#9 – State Farm: Best for Reliable Service

Pros

• Strong Customer Support: Known for dependable service for Washington, D.C., homeowners, with rates starting at $71/month.
• Comprehensive Coverage: Provides extensive coverage for various risks in Washington, D.C.
• Local Agents: Large agent network in Washington, D.C., for personal support. Discover our State Farm review for a full list.

Cons

• Higher Rates: State Farm’s premiums are higher than many competitors in Washington, D.C.
• Discounts: Fewer savings options compared to others in Washington, D.C.

#10 – Farmers: Best for Flexible Options

Pros

• Flexible Plans: Farmers provides customizable options for Washington, D.C., homeowners, starting at $72/month.
• Discounts: Offers savings for bundling and safe homes in Washington, D.C.
• Trusted Brand: Known for dependable service in Washington, D.C. For more information, see our Farmers review.

Cons

• High Rates: Starting premiums are among the highest in Washington, D.C.
• Limited Online Tools: Fewer digital resources for homeowners in Washington, D.C.

Understanding the Best Homeowners Insurance Rates in Washington, D.C.

When looking for the best homeowners insurance in Washington, D.C., USAA consistently stands out by offering the cheapest home insurance rates for military members and their families. For a $200,000 home, USAA provides the best home insurance rates in the city. However, if you're not eligible for USAA, Chubb is a strong alternative, providing competitive rates for Washington, D.C. homeowners.

Below is a comparison of the best home insurance rates from the top home insurance companies in Washington, D.C.:

Insurance Company	$200k Policy	$300k Policy	$500k Policy
	$61	$91	$151
	$62	$93	$154
	$72	$108	$180
	$66	$98	$164
	$68	$102	$170
	$69	$104	$173
	$64	$96	$159
	$71	$107	$178
	$67	$101	$169
	$65	$97	$160

For a $200,000 home, companies like Allstate, Geico, and Progressive also provide affordable premiums, making them ideal choices for budget-conscious homeowners. The rates in our analysis are based on a standard policy with coverage limits of $100,000 for personal property, $20,000 for loss of use, $20,000 for other structures, $300,000 for liability, and $5,000 for medical.

The policy includes a $1,000 deductible, and the house used in the profile was constructed in 2004. It’s important to note that individual rates for homeowners insurance in Washington, D.C. may vary depending on factors like your home’s age, location, and your insurance score. Explore our guide that tackle about smart home devices: save money on homeowners insurance & prevent claims.

For homeowners with a $400,000 home, USAA remains the provider with the best home insurance rates in Washington, D.C.. If you're not eligible for USAA, Chubb is the next most affordable option, offering competitive premiums. The coverage limits for this profile include $200,000 for personal property, $40,000 for loss of use, $40,000 for other structures, $300,000 for liability, and $5,000 for medical.

Like the $200,000 policy, this analysis assumes a $1,000 deductible and a home built in 2004 with a good insurance score. Whether you’re looking for cheap homeowners insurance in Washington, D.C. or comprehensive coverage, comparing rates from the top home insurance companies like Allstate, State Farm, and Progressive can help you find the best option.

Types of Coverage Included in a Homeowners Insurance Policy

Finding the right home insurance in Washington, D.C. means knowing what types of coverage are included in a standard homeowners policy. This ensures your home, belongings, and financial security are protected against common risks. Below is a breakdown of the most common coverage types you can expect in a homeowners insurance policy:

• Dwelling Coverage: Protects your house's structure, including walls, roof, and foundation, from damages caused by perils like fire, smoke, lightning, and vandalism. This is a key feature of any homeowners insurance in Washington, D.C. policy.

• Other Structures Coverage: Covers detached structures on your property, such as garages, sheds, fences, or carports.

• Personal Property Coverage: Pays for repairing or replacing personal belongings inside your home, such as furniture, electronics, and clothing, in case of theft or damage. Comparing home insurance quotes in Washington, D.C. can help you find the right level of protection for your valuables.

• Personal Liability Coverage: Protects you if someone is injured on your property or if you accidentally damage someone else's property. For example, this could cover medical bills or legal fees if a visitor slips and falls.

• Additional Living Expenses Coverage: Covers temporary living costs, like hotel stays and meals, if your home becomes uninhabitable due to covered damages.

Optional add-ons can enhance your homeowners insurance coverage to address specific needs. For example, flood or earthquake insurance is essential for high-risk areas not covered by standard policies. Identity theft protection offers an added layer of security by safeguarding your personal information from fraud. Additionally, if you own valuable items such as jewelry, artwork, or collectibles, raising your policy limits can provide extra peace of mind.

Choosing the right homeowners insurance in Washington, D.C. ensures you have financial protection when the unexpected happens. Whether you're looking for cheap homeowners insurance in Washington, D.C. or want to enhance your coverage, it's important to compare policies and understand what’s included.

Remember, DC homeowners insurance isn’t just about finding the lowest price—it’s about getting the right coverage for your needs. With a clear understanding of your options, you can confidently choose a policy that fits your home and lifestyle.

Read more: 5 Things to know about home insurance

Tips to Save Money on Your Homeowners Insurance Premium

Saving on your homeowners insurance premium doesn’t have to be complicated. By taking advantage of discounts and tailoring your policy to meet your needs, you can secure the cheapest home insurance Washington, D.C. offers while ensuring adequate protection.

Many homeowners insurance in D.C. companies provide discounts for safety features and responsible practices. Here's an overview of discounts available from major providers:

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Anti-Theft Device, Good Student, Anti-Lock Brakes, Early Signing, Homeowner Discount, New Car, Automatic Payments
	Multi-Policy, Safe Driver, Defensive Driving Course, Good Student, Anti-Theft Device, Loyalty Discount, Homeowner Discount, Low Mileage
	Multi-Policy, Good Student, Safe Driver, Anti-Theft Device, Homeowner Discount, Signal (Usage-Based), New Car, Pay in Full
	Multi-Policy, Good Driver, Anti-Theft Device, Good Student, Defensive Driving Course, Emergency Deployment, Homeowner Discount, Federal Employee Discount, Vehicle Safety
	Multi-Policy, Safe Driver, Anti-Theft Device, New Car, Homeowner Discount, Early Shopper, Paperless Policy, Pay in Full
	Multi-Policy, SmartRide (Usage-Based), Good Student, Safe Driver, Homeowner Discount, Anti-Theft Device, Automatic Payments, Defensive Driving Course
	Multi-Policy, Homeowner Discount, Good Student, Pay in Full, Safe Driver, Snapshot (Usage-Based), Continuous Insurance, Online Quote Discount, Paperless Discount
	Multi-Policy, Safe Driver, Good Student, Defensive Driving, Anti-Theft Device, Drive Safe & Save (Usage-Based), Homeowner Discount, Vehicle Safety Discount
	Multi-Policy, Safe Driver, Homeowner Discount, New Car, Good Student, Anti-Theft Device, Continuous Insurance, Paperless Billing, Early Quote Discount, Hybrid/Electric Vehicle, Pay in Full
	Multi-Policy, Defensive Driving, Anti-Theft Device, Safe Driver, Good Student, Emergency Deployment, Homeowner Discount, New Car, Family Legacy Discount (for family members of current USAA members)

When looking for homeowners insurance in D.C., comparing home insurance quotes in Washington, D.C. can help you find the best coverage at the lowest cost. Rates vary by provider, so gathering multiple homeowners insurance quotes in D.C. ensures you’re getting the best deal. Check out our guide titled "What is recoverable depreciation?"

Finding the best homeowners insurance in Washington, D.C. is about balancing cost and coverage. By exploring available discounts, bundling policies, and shopping for home insurance quotes in D.C., you can secure affordable protection for your home. Don’t forget to review your coverage regularly to ensure it continues to meet your needs. If you’re looking to protect your most valuable asset with home insurance, compare rates now with our free quote tool.