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.

American Family provides family-friendly policies with coverage designed for young families, including discounts for child safety features and protection for valuable items like electronics. Progressive offers loyalty rewards, such as accident forgiveness and discounts for staying insured, making it a good option for long-term savings.

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+	Loyalty Rewards	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 protects homes in Washington, D.C., with options like water backup, roof damage, and green home coverage for extra protection. Plans start at $61/month.
• Low Rates: Allstate offers the cheapest starting rate in Washington, D.C., at $61/month for a standard policy. Explore more in our Allstate review.
• Big Discounts: Homeowners can save up to 25% by bundling home and auto insurance and up to 10% with safety features like smoke detectors or security systems.

Cons

• Limited High-Risk Coverage: Options for high-risk areas in Washington, D.C., like flooding or earthquakes may need extra policies that cost more.
• Higher Premium After Claims: Filing a claim could increase rates in Washington, D.C., by 20% or more depending on the claim.

#2 – American Family: Best for Family Protection

Pros

• Family-Focused Policies: American Family offers coverage for family essentials like strollers and electronics, plus a Child Safety Discount for installing smoke detectors or security systems (up to 5% savings). Plans start at $62/month.
• Flexible Plans: Homeowners in Washington, D.C., can add optional coverage like protection for expensive items (jewelry or collectibles), equipment breakdown, or identity theft, allowing them to adjust policies to fit their needs.
• Bundling Discounts: Combining home and auto insurance can save homeowners up to 20%, making it a budget-friendly option for families.

Cons

• Limited Agents: There are fewer American Family offices in Washington, D.C., meaning most help is available online or through their app.
• Add-On Costs: Extra coverage like equipment breakdown or identity theft protection can increase your premium by $50–$150 per year in Washington, D.C.

#3 – Progressive: Best for Loyalty Rewards

Pros

• Loyalty Rewards: Progressive offers accident forgiveness after five years without a claim and discounts for maintaining continuous insurance, making it great for long-term customers in Washington, D.C.
• Easy Online Tools: Progressive’s website and mobile app allow homeowners to get quotes, manage policies, and file claims quickly and easily, making it a top choice for tech-savvy homeowners in Washington, D.C.
• Variety of Coverage Options: Based on our Progressive review, it offers extra coverage like water backup, personal injury liability, and protection for older homes to meet building codes in Washington, D.C.

Cons

• Claims Support: Some Washington, D.C., customers report slow claims processing, with cases taking up to two weeks to resolve.
• Discounts: Fewer discount options compared to other Washington, D.C., competitors, with bundling discounts capped at around 15%.

#4 – USAA: Best for Military Families

Pros

• Tailored for Military Families: Offers coverage for active-duty military members, veterans, and their families. Policies include benefits like uniform replacement coverage and discounts for military housing. Plans start at $65/month.
• Excellent Customer Support: USAA consistently receives high customer satisfaction scores, with Washington, D.C., homeowners praising its quick claims handling and 24/7 support. Delve into our USAA review.
• Comprehensive Coverage: Offers broad coverage for Washington, D.C., including earthquake protection and military-specific perks like deployment discounts.

Cons

• Eligibility Limits: Only military families can access USAA, making it unavailable to most homeowners in Washington, D.C.
• Limited Local Offices: Few physical locations in Washington, D.C., mean most interactions are handled online or over the phone.

#5 – Geico: Best for Online Quotes

Pros

• Fast Online Quotes: Geico’s streamlined online tool provides quotes in under five minutes, allowing homeowners to compare policies quickly. Rates start at $66/month.
• Affordable Policies: Offers competitive pricing, especially for smaller homes and townhouses in Washington, D.C., with savings of up to 15% for bundling home and auto insurance.
• Custom Coverage: Provides optional coverage like identity theft protection and water backup, allowing homeowners to adjust policies to suit their needs in Washington, D.C. (Learn more: 32 Genius Ways to Save Money).

Cons

• Minimal Local Help: Geico focuses heavily on digital services, with limited in-person support in Washington, D.C.
• Discount Options: Geico offers fewer discounts compared to Washington, D.C. competitors, with bundling discounts capped at around 15%.

#6 – Travelers: Best for Discounts Offered

Pros

• Lots of Discounts: Travelers offers a variety of savings, including up to 15% for bundling home and auto policies and up to 5% for installing fire alarms or security systems. Rates start at $67/month.
• Reliable Coverage: Includes optional add-ons like green home coverage, which pays for eco-friendly repairs, making it a dependable choice for environmentally conscious homeowners in Washington, D.C.
• Custom Plans: Washington, D.C. homeowners can tailor policies with add-ons like water backup and identity theft protection to fit their needs. Check out our Travelers review.

Cons

• Higher Base Rates: While Travelers offers discounts, its starting premiums are higher than some competitors, especially for older homes in Washington, D.C.
• Policy Details: Some Washington, D.C. customers report that the terms and conditions for certain discounts and add-ons are harder to understand, requiring extra clarification from customer service.

#7 – Liberty Mutual: Best for Customizable Plans

Pros

• Custom Plans: Allows homeowners to personalize coverage, with options like inflation protection to adjust coverage as home values increase. Policies start at $68/month.
• Bundling Discounts: Offers up to 25% savings for bundling home and auto policies, making it a good choice for cost-conscious homeowners in Washington, D.C.
• Good Customer Support: Homeowners in Washington, D.C. report positive claims experiences, with resolutions often completed within one to two weeks. Read our Liberty Mutual review to learn more.

Cons

• Higher Starting Rates: Rates for Washington, D.C. homes are slightly above average, especially for homes over 20 years old.
• Fewer Add-Ons: Limited options for extra coverage in Washington, D.C. for specific needs, such as green home or earthquake protection, compared to competitors.

#8 – Nationwide: Best for Home Coverage

Pros

• Home Protection: Nationwide offers strong dwelling coverage for fire, theft, and storm damage, with rates starting at $69/month. Add-ons like Better Roof Replacement provide higher-quality materials during repairs in Washington, D.C.
• Discounts: Save up to 20% for bundling home and auto insurance, and additional savings for installing safety features like smoke detectors or security systems in Washington, D.C.
• Flexible Plans: Tailored policies for Washington, D.C. with optional extras like identity theft protection and water backup coverage. For a comprehensive list, refer our Nationwide review.

Cons

• Claims Response Time: Some homeowners in Washington, D.C., report slower claims responses, with resolutions taking up to three weeks.
• Higher Premiums: Comprehensive coverage in Washington, D.C. with extras like roof replacement and water backup can increase premiums by $200–$300 annually.

#9 – State Farm: Best for Reliable Service

Pros

• Strong Customer Support: Known for personalized service through its large agent network in Washington, D.C. Rates start at $71/month.
• Comprehensive Coverage: Includes options like loss assessment coverage for condo owners and personal property replacement.
• Local Agents: D.C. homeowners benefit from in-person help and local expertise through State Farm’s numerous offices. Discover our State Farm review for a full list.

Cons

• Higher Rates: State Farm’s starting premiums are higher than most competitors in Washington, D.C., especially for larger homes.
• Discounts: Offers fewer discount options in Washington, D.C., with bundling savings capped at around 15%.

#10 – Farmers: Best for Flexible Options

Pros

• Flexible Plans: Farmers allows D.C. homeowners to customize coverage with options like eco-rebuild coverage, which covers environmentally friendly materials. Policies start at $72/month.
• Discounts: Save up to 15% for bundling home and auto insurance and up to 10% for installing safety features like smoke alarms in Washington, D.C.
• Trusted Brand: Farmers has a long history of reliable service and strong claims support for D.C. homeowners, see our Farmers review.

Cons

• High Rates: Starting premiums are among the highest in Washington, D.C., particularly for larger homes or homes in high-risk areas.
• Limited Online Tools: Farmers offers fewer digital resources for policy management compared to competitors in Washington, D.C. like Progressive and Geico.

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, Allstate provides the best home insurance rates in the city. However, if you're not eligible for Allstate, American Family 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

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 $300,000 home, USAA remains the provider with the best home insurance rates in Washington, D.C.. If you're not eligible for Allstate, American Family 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. The table below compares the availability of add-on coverages, such as water backup and identity theft protection, from the top homeowners insurance providers in Washington, D.C.

Insurance Company	Green Home Coverage	Equipment Breakdown Coverage	Service Line Protection
	✅	✅	✅
	✅	✅	❌
	✅	❌	✅
	❌	✅	✅
	✅	✅	✅
	✅	✅	✅
	❌	✅	❌
	✅	✅	✅
	✅	✅	✅
	❌	✅	✅

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	Bundling Home & Auto	Smoke/Fire Alarms	Full Payment Discount	Claims-Free	Senior/Homeowner
	25%	10%	5%	20%	15%
	20%	10%	5%	15%	10%
	20%	8%	4%	18%	12%
	15%	5%	3%	10%	8%
	25%	10%	6%	20%	15%
	20%	10%	5%	18%	12%
	15%	8%	3%	10%	10%
	25%	10%	5%	20%	15%
	20%	10%	5%	15%	12%
	25%	10%	5%	20%	15%

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.