Expertise.com Homepage
Expertise.com Homepage

2025

Last updated:

Best Homeowners Insurance Agencies in District of Columbia

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored District of Columbia homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

418Reviewed

256Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving District of Columbia
Baltimore

Expertise.com Rating

Review Sources

Google
5.0 (63)
Facebook
5.0 (14)

Why choose this provider?

Ryan Nash is the best second-generation State Farm insurance agent providing communities throughout the District of Columbia with personal and commercial insurance products. These products include homeowners', commercial and personal automobile, and business insurance. Ryan and his team use over 85 years of industry experience when designing custom insurance policies with the client's preferred level of coverage, such as homeowner's insurance with added flood coverage and personal article policies. Banking services are also available.

Best Homeowners Insurance Agencies Serving District of Columbia
Fairfax

Expertise.com Rating

Review Sources

Facebook
4.8 (26)
Google
4.5 (6)

Why choose this provider?

Preferred Insurance is the best independent agency serving residential and commercial clientele in the District of Columbia. It offers a varied selection of insurance products, from all-risk and named-perils policies for homeowners' insurance to group health and dental coverage plans. Its agents work closely with clients during the insurance shopping process, understanding their coverage goals offering them policies from various carriers best suited to their specifications. Company president Pat Sullivan holds the Associate in Insurance Supervisory Management designation from the Independent Insurance Agents of Virginia.

Best Homeowners Insurance Agencies Serving District of Columbia
Fairfax

Expertise.com Rating

Review Sources

Google
4.7 (102)
Facebook
4.8 (38)

Why choose this provider?

Puffenbarger Insurance & Financial Services Inc. is a family-operated businesses serving residential and commercial clientele throughout the District of Columbia. Its agents help clients shop for and get the best kinds of insurance, such as homeowners', agribusiness, and commercial liability insurance. They analyze clients' coverage goals before comparing and advising them on available insurance options from different carriers. Director of marketing and public relations Jennifer Puffenbarger holds the Certified Insurance Counselor designation from The National Alliance. She has been with the agency since 2000.

Best Homeowners Insurance Agencies Serving District of Columbia
Sykesville

Expertise.com Rating

Review Sources

Google
4.7 (23)
Facebook
4.4 (7)
Yelp
3.7 (3)

Why choose this provider?

Elaine Gossage is a State Farm insurance agent providing individuals and businesses throughout the District of Columbia with the best personal and commercial insurance products. These products include homeowners', personal and commercial automobile, and life insurance. Elaine and her staff help clients customize their insurance policies according to their coverage goals, providing them with options like added flood insurance with homeowners' policies. State Farm awarded Elaine with the Chairman's Circle award. She supports various charitable endeavors, including the Make-A-Wish Foundation and the Special Olympics.

Best Homeowners Insurance Agencies Serving District of Columbia
Arlington

Expertise.com Rating

Review Sources

Facebook
4.5 (33)
Google
4.5 (24)

Why choose this provider?

Cascade Insurance Group is the best independent insurance agency that caters to residents and businesses throughout the District of Columbia. Its insurance agents use over 30 years of industry experience to connect clients with insurance products, such as homeowners' and automobile insurance, best suited to their coverage needs and financial goals. They shop from carriers like Erie Insurance and Travelers Insurance to provide clients with policy options. Principal agent David Dodero holds a bachelor's degree in Accounting and is a Life Underwriter Training Council Fellow.

Best Homeowners Insurance Agencies Serving District of Columbia
Alexandria

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
5.0 (15)

Why choose this provider?

Ahart Frinzi & Smith Insurance has been providing the best services since the 1950s. It helps clients in the District of Columbia apply for homeowners' insurance policies to protect their residential properties, personal belongings, and loved ones. These homeowners' insurance policies cover clients� potential loss if their homes incur damage from earthquakes, floods, theft, and violent acts. It also carries other insurance products such as commercial business, auto, life, and health policies. The company is a Trusted Choice Agency.

Best Homeowners Insurance Agencies Serving District of Columbia
North Bethesda

Expertise.com Rating

Review Sources

Google
5.0 (72)
Facebook
4.9 (20)

Why choose this provider?

Foresight Insurance has been providing communities in the District of Columbia with the best personal and commercial protection plans. One of these is homeowners' insurance, which covers the policyholders' property and its contents from events like fire and theft. The company's products for commercial clients include coverage for loss of income during business interruptions. Its agents also offer assistance throughout the claims process. Owner Michael Cruz has been working in the industry for over a decade, previously representing carriers like Liberty Mutual.

Best Homeowners Insurance Agencies Serving District of Columbia
Woodbridge

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (13)

Why choose this provider?

Oberryman Insurance Agency has been the top provider serving communities throughout the District of Columbia since 2000. The independent company offers clients with a wide selection of personal and commercial insurance products, from all-risk homeowners' insurance policies covering the entirety of the dwelling to commercial property insurance covering damage caused by events like theft and vandalism. Its agents provide comparisons of the best available policies from various carriers to help them make informed decisions regarding their insurance needs and preferences. Founder Orlando Berryman holds a bachelor's degree in Business Administration.

Best Homeowners Insurance Agencies Serving District of Columbia
Baltimore

Expertise.com Rating

Review Sources

Google
4.8 (109)
Facebook
4.1 (8)

Why choose this provider?

John Stein is a State Farm insurance agent serving clientele in the District of Columbia. He and his staff help clients acquire the best personal and commercial insurance products suited for their coverage preferences, such as homeowners' insurance with a personal articles policy covering valuable items like art and jewelry. They also offer financial services such as banking and investment assistance. Stein has been working as a State Farm insurance agent since 2005. He supports local charitable organizations such as Happy Helpers for the Homeless.

Best Homeowners Insurance Agencies Serving District of Columbia
Woodbridge

Expertise.com Rating

Why choose this provider?

Asma Atique is the best State Farm agent who serves communities throughout the District of Columbia. She and her staff help clients find the policies appropriate for their needs, including homeowners' insurance with a personal article policy for collectible items. They also offer life and health insurance for individuals and businesses, as well as banking services. Asma is fluent in various languages, including Arabic, Indian, and Urdu. She has been working for State Farm since 2009.

Best Homeowners Insurance Agencies Serving District of Columbia
Annapolis

Expertise.com Rating

Review Sources

Google
5.0 (77)
Facebook
4.7 (14)

Why choose this provider?

Old Bay Insurance Agency is the best independent agency that provides communities throughout the District of Columbia with a selection of top personal and commercial insurance products. These products range from homeowners' insurance customized with swimming pool and trampoline liability coverage to insurance policies tailored for different kinds of businesses, like restaurants and auto dealers. Owner Neal Tatterson has been working in the insurance industry since 1994, working at a national life insurance company before opening his agency.

Best Homeowners Insurance Agencies Serving District of Columbia
Catonsville

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

HBW Insurance Group Inc. is the best independent agency providing individuals and businesses in the District of Columbia. Its selection of insurance products includes homeowners', automobile, and commercial general liability insurance. The agency also helps clients replace or improve their existing insurance. Its agents work to understand clients' coverage goals and financial means to provide them with a set of custom policy choices best suited to their specifications. They shop from carriers such as The Hartford, Liberty Mutual Insurance, and National General Insurance.

Best Homeowners Insurance Agencies Serving District of Columbia
Ellicott City

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
4.8 (21)

Why choose this provider?

Nik Creighton is a premier State Farm insurance agent providing residents and businesses in the District of Columbia with the best selection of personal and commercial insurance products. He and his staff help clients acquire coverage plans tailored to their goals. Homeowners' insurance covers properties from damage caused by vandalism, fire, and flood. Individual and supplemental health insurance plans with extensive coverage are also available. The agents also offer financial services such as banking and annuities. Nik is fluent in English and Spanish.

Best Homeowners Insurance Agencies Serving District of Columbia
Alexandria

Expertise.com Rating

Why choose this provider?

Danaher Skewes & Associates provides the best insurance products in the District of Columbia. Its homeowners' insurance policy covers valuable possessions, personal injury, excess liability, collector cars, medical expenses, and property damage to protect clients' finances. Its agents also handle insurance products for renters, condominiums, mobile homes, off-road vehicles, and watercraft. They also assist clients applying for wedding insurance services. The locally owned independent insurance agency has been serving the community since 1963.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Ryan Nash - State Farm Insurance Agent
1200 E Fort Ave, Baltimore, DC 21230
Preferred Insurance
4035 Ridge Top Road, Fairfax, DC 22030
Puffenbarger Insurance & Financial Services Inc
9914 Main Street, Fairfax, DC 22031
Elaine Gossage - State Farm Insurance Agent
7568 Main St, Sykesville, DC 21784
Cascade Insurance Group
1100 N Glebe Rd Ste 1010, Arlington, DC 22201
Ahart Frinzi & Smith Insurance
127 S Peyton St Ste 201, Alexandria, DC 22314
Foresight Insurance
11821 Parklawn Dr Ste 305, North Bethesda, DC 20852
Oberryman Insurance Agency
2500 Hunter Place, Woodbridge, DC 22192
John Stein - State Farm Insurance Agent
6630 Baltimore National Pike Ste 100B, Baltimore, DC 21228
Asma Atique - State Farm Insurance Agent
12751 Marblestone Dr Ste 250, Woodbridge, DC 22192
Old Bay Insurance Agency
133 Defense Highway, Annapolis, DC 21401
HBW Insurance Group, Inc
2 E. Rolling Crossroads, Suite 151, Catonsville, DC 21228
Nik Creighton - State Farm Insurance Agent
3290 Pine Orchard Lane Suite D, Ellicott City, DC 21042
Danaher Skewes & Associates
205 S Whiting St Ste 401, Alexandria, DC 22304

District of Columbia Homeowners Insurance Agency FAQs

  • How much does homeowners' insurance cost in the District of Columbia?

    The average homeowners' insurance cost in the District of Columbia is $1,154 per year, which amounts to approximately $96 per month. This price is for a plan that has $300,000 in dwelling coverage. The actual rate is determined by criteria like the property's age, location, and construction style, as well as personal factors such as the buyer's claims history and credit score.

  • What are the two types of title insurance in the District of Columbia?

    In the District of Columbia, the first type of title insurance is the loan policy, which protects the lender's interest if a title dispute arises. It also safeguards the borrower if a claim is made against the title. The second type is the owner’s policy, which insures the homeowner against title claims. It covers legal fees needed to protect their right to the property.

  • Is there any coverage recommended for District of Columbia homeowners that is not included in a basic insurance policy?

    Yes. Flood insurance is recommended for District of Columbia homeowners because standard homeowners' policies don't cover it. It covers damages caused by flooding, which may be a problem in the metro, especially for residents living along the area of the Potomac River. However, some people living outside of high-risk places often get flooded, even if they belong in a flood-prone location. Other recommended coverages include escape of water, blanket jewelry, and personal electronics.

  • What information should District of Columbia residents provide insurers before getting a homeowners' insurance quote?

    District of Columbia residents must provide insurers with information such as their date of birth, address, and Social Security number when obtaining homeowners' insurance. They should also provide the home’s replacement cost to help determine an appropriate dwelling coverage; they may hire a construction professional for an estimate. Additionally, homeowners should render technical information about the home, including its dimensions and installed alarm systems, and an estimated value of their personal property.

  • What errors should District of Columbia residents avoid when purchasing homeowners' insurance?

    One mistake District of Columbia residents make when getting homeowners' insurance is focusing on their price instead of their coverage. They do not understand what their insurance does or does not cover. Most homes are underinsured because people do not get sufficient coverage to rebuild or replace the home, outbuildings including garages, pools, and fences, the home's contents, and their possessions. Many also do not review their policy periodically to keep up with the yearly rate and inflation adjustments.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2025

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....