Cheapest and Best Homeowners Insurance in Washington as Rated by Customers in 2021

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption
#1
/39
USAA
4.72 ★★★★★
4.72 ★★★★★
loading rate
Would recommend to a friend
loading rate
Rated Prices
Excellent
CALL FOR A QUOTE GET A QUOTE COMPARE QUOTES
#2
/39
4.45 ★★★★★
loading rate
Would recommend to a friend
loading rate
Rated Prices
Excellent
CALL FOR A QUOTE GET A QUOTE COMPARE QUOTES
#3
/39
4.21 ★★★★★
loading rate
Would recommend to a friend
loading rate
Rated Prices
Excellent
CALL FOR A QUOTE GET A QUOTE COMPARE QUOTES

Washington home insurance

It may seem unlikely that you’ll have to file a homeowners insurance claim. But the reality is that there are many things that may happen that would require you to submit a claim. Having one of the best Washington home insurance companies can put your mind at ease that if something were to happen, it would be handled promptly and smoothly.

To help you be more confident in your homeowners insurance company, we have reviews and rankings for hundreds of homeowners insurance companies so you can evaluate and compare the best Washington home insurance companies. In the table above, you can sort through every homeowners insurance company ranked on Clearsurance. Next to each insurer you’ll find the company’s rating, which is based exclusively on the reviews and ratings provided by customers. Note: Only those companies with at least 25 homeowners insurance reviews are eligible to appear in the best Washington homeowners insurance rankings.

If you’re looking for additional information on one of the best homeowners insurance companies in Washington, you can visit the company’s profile page where you’ll learn about the company, additional coverages and potential discounts offered. You can also read reviews to see what other policyholders have to say about the home insurance company.

On this page:

Who offers the best homeowners insurance rates in Washington for a $200K home?

Safeco is the cheapest homeowners insurance option for a $200K home in Washington, on average, among the top five most popular homeowners insurance companies in Washington state.

When shopping for homeowners insurance in Washington, it can be helpful to compare rates from the five most popular companies in the state. In the table below, you can see average homeowners insurance rates for a $200K home.

Company Average rates for $200K dwelling
Allstate Insurance $526
Farmers Insurance Group $1,081
PEMCO Mutual Insurance Company $426
Safeco Insurance $279
State Farm Insurance Company $879

These rates are based on a $200,000 dwelling with the following coverage limits: $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a good insurance score. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

Who offers the best homeowners insurance rates in Washington for a $400K home?

Among the most popular Washington homeowners insurance companies, Safeco provides the cheapest homeowners insurance, on average, for a $400K home in Washington.

In the table below, you can see average homeowners insurance rates for a $400k home in Washington. Average premiums are listed for the five largest companies in Washington by market share.

Company Average rates for $400K dwelling
Allstate Insurance $819
Farmers Insurance Group $1,912
PEMCO Mutual Insurance Company $733
Safeco Insurance $503
State Farm Insurance Company $1,460

These rates are based on a $400,000 dwelling with the following coverage limits: $200,000 personal property, $40,000 loss of use, $40,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a good insurance score. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

Washington property crime statistics

Theft and vandalism or malicious mischief are among the 16 perils a standard homeowners insurance policy protects you from. So, how does crime in Washington compare to other states around the country? The FBI published the following statistics on crime in Washington for 2016:

  • Property crime - 254,653
  • Burglary - 49,180
  • Larceny theft - 173,187

When compared to the national average rate per 100,000 inhabitants, all three crime statistics in Washington rank above the national average.

Washington disaster statistics

Weather-related incidents are typically among the costliest homeowners insurance claims. FEMA has published statistics for each state since 1953. Data is updated through August 2018. Here’s a look at the Washington federally declared disasters since 1953:

  • Fire - 81
  • Flood - 29
  • Severe storm - 16
  • Mud/Landslide - 3
  • Earthquake - 2
  • Coastal storm - 1
  • Severe ice storm - 1
  • Volcano - 1

How homeowners insurance rates are calculated in Washington

Ever wonder why you pay what you do for home insurance? Some things may be obvious, like the age of your home. But other factors that contribute to the price of homeowners insurance in Washington may not be as obvious. Here’s a list of some of the things homeowners insurance companies consider when quoting you a rate:

  • The level of coverage required
  • The size of your mortgage
  • Your credit score
  • The square footage of your home
  • The geographic location of your home in Washington
  • The condition of your home
  • The age of your home
  • The proximity of your home to a fire station
  • Your previous claims record
  • The amount of your deductible
  • Optional add-ons like umbrella insurance

Zillow estimates that homeowners can expect to pay approximately $35 each month for every $100,000 of your home's value.

How Clearsurance rates and ranks the best Washington homeowners insurance companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Homeowners insurance guide

Your home is likely your most valuable asset, making it that much more important that you insure your home with one of the best Washington homeowners insurance companies. But beyond just picking a company, it’s crucial to have the right coverage and to understand that coverage. Did you know that a standard homeowners insurance policy has six types of coverage? And did you know that there are usually 16 types of perils found in a homeowners insurance policy?

At Clearsurance, we want to make sure you have a strong understanding of your homeowners insurance coverage and what it all means. Check out our homeowners insurance guide to become a smarter insurance customer. And for more educational content on other homeowners insurance topics, check out our homeowners insurance blog!

Frequently Asked Questions

Who offers the best homeowners insurance rates in Washington for a $200K home?

Safeco is the cheapest homeowners insurance option for a $200K home in Washington, on average, among the top five most popular homeowners insurance companies in Washington state.

Who offers the best homeowners insurance rates in Washington for a $400K home?

Among the most popular Washington homeowners insurance companies, Safeco provides the cheapest homeowners insurance, on average, for a $400K home in Washington.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption