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2024

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Best Homeowners Insurance Agencies in Washington DC

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Washington DC 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.

354Reviewed

220Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1400 North 14th Street Suite 3 – 12th Floor, Arlington, VA 22209

Expertise.com Rating

Review Sources

Google
4.9 (55)
Facebook
5.0 (48)
Yelp
5.0 (16)

Why choose this provider?

CMR Insurance Agency LLC, which was founded in 2006, is an independent insurance operator located in Arlington, Virginia, and serving the Virginia, Maryland, North Carolina and Washington, D.C., area. The team provides bilingual service, offering homeowners coverage against fire, flood, theft, and personal liability for both primary and secondary residences. Its personalized coverage comes from recognized underwriters including Hagerty, Hartford Mutual, and Pennock Insurance. It has been ERIE Founder's Award Recipient 10 Years in a Row.

  • Multiple Policy Types
  • Homeowners

1615 Q Street NW Suite 1108, Washington, DC 20009
WebsiteLicense: 7705902

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Insurance Island caters to individuals and families in Washington, D.C. and nearby locations. It offers a variety of personal protection plans, helping clients acquire homeowners' insurance. The independent company helps policyholders file claims to secure reimbursements for property damage and physical injuries caused by perils like natural disasters, vandalism, and theft. Its agents also process renters' and auto insurance. They have access to multiple carriers, such as Foremost, Allstate, Encompass, CNA, and Dairyland. Insurance Island for over two decades.

  • Multiple Policy Types

12751 Marblestone Dr Ste 250, Woodbridge, VA 22192

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Yelp
2.5 (3)

Why choose this provider?

Asma Atique State Farm Insurance Agent has been serving clients in the Washington metropolitan area since 2009. Agent Asma Atique is licensed to sell insurance throughout DC, as well as in Virginia and Maryland. She works with homeowners to help them select State Farm insurance products that best suit their needs and offers assistance throughout the process of obtaining a quote and purchasing a policy. Additionally, Ms. Atique offers help with claims and policy changes, as needed.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

127 S Peyton St Ste 201, Alexandria, VA 22314

Expertise.com Rating

Why choose this provider?

Since the 1950s, Ahart, Frinzi & Smith Insurance has been selling home insurance to residents of Washington, D.C., out of its office in Alexandria, Virginia. The company has a secondary office in Phillipsburg, New Jersey, and is a Trusted Choice independent insurance agency. Its home insurance products include homeowners and renters insurance. These policies cover the cost of loss resulting from burglary, theft, natural disaster, or fire and include personal liability coverage.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

11821 Parklawn Dr Ste 305, North Bethesda, MD 20852

Expertise.com Rating

Review Sources

Google
5.0 (64)
Facebook
4.9 (21)

Why choose this provider?

Based in North Bethesda, Maryland, Foresight Insurance is an independent insurance agency serving people and businesses throughout the Washington D.C. metro area. Home insurance is one of many in its wide range of products. The agency tailors each policy with its clients and insurance partners and ensures its clients understand the details of coverage. Policies normally cover the cost of repairs and reimbursement for damaged or stolen property. They can also meet living expenses if the family requires temporary accommodation.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

725 Shepherd St NW, Washington, DC 20011

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Cambridge Broyhil Chambers Insurance provides risk management solutions in Washington, D.C. It processes a wide selection of personal protection products, which include homeowners' insurance. This type of insurance protects individuals and families from monetary losses due to unforeseen events like fire, hail, vandalism, and theft. The independent agency also writes customized renters', umbrella, flood, auto, and motorcycle insurance. It represents multiple carriers, such as Progressive, Chubb, and CNA. The company is a member of the Strategic Insurance Agency Alliance.

  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

6630 Baltimore National Pike Ste 100B, Baltimore, MD 21228

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

John Stein State Farm insurance Agent sells homeowners insurance policies in Washington, as well as throughout D.C., Maryland, and Virginia. Its team works with clients to help them find the right coverage options for their homes, as well as to file claims and make changes to their policies whenever needed. Other types of insurance sold by John Stein State Farm Insurance Agent include Medicare supplement, life, auto, and business insurance.

  • Condos
  • Renter's Insurance
  • Personal Property Insurance

1100 N Glebe Rd Ste 1010, Arlington, VA 22201

Expertise.com Rating

Review Sources

Facebook
4.5 (34)
Google
4.5 (23)

Why choose this provider?

Arlington-based Cascade Insurance Group serves Washington, D.C., Maryland, and Virginia. It's an independent Erie Insurance Agent, which has been insuring clients since 1925. Policies are available to cover homeowners and renters. The company offers policies that cover all risks or named risks, and the agents outline the benefits of each option. Cascade Insurance Group provides free comparative rate quotes on homeowners insurance. It also provides auto, life, personal, and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

1801 Belmont Rd NW Ste 201, Washington, DC 20009

Expertise.com Rating

Review Sources

Google
4.4 (34)
Facebook
5.0 (17)
Yelp
4.0 (11)

Why choose this provider?

Crystal Insurance Agency was founded in 1984 and is based in Washington, D.C.. It offers home insurance services, providing insurance coverage for primary residences, condominiums, and vacation homes, as well as offering renters insurance. Policies have optional riders for flood damage. Crystal Insurance Agency also offers health, life, auto, and business insurance. The agency's founder, Margarita Dilone, was the first bilingual English and Spanish property agent in the metropolitan area.

  • Renter's Insurance
  • Homeowners

9560 Marlboro Pike Suite 204, Upper Marlboro, MD 20772

Expertise.com Rating

Why choose this provider?

Trendstar Insurance Inc. provides comprehensive home insurance in Upper Marlboro, Maryland, and the surrounding areas. As an independent agency, it is affiliated with multiple carriers and provides customized quotes in order to find the best home insurance coverage for its clients to protect them in the event of a disaster. Trendstar Insurance's agents are trained to asses their client's risks and provide an objective analysis to offer comparative quotes and policies for insuring homes.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

3290 Pine Orchard Lane Suite D, Ellicott City, MD 21042

Expertise.com Rating

Review Sources

Facebook
5.0 (15)

Why choose this provider?

Nik Creighton State Farm Insurance Agent sells home insurance and other personal insurance products for clients in Washington and throughout Maryland. Its agents work with clients to help them determine what types and amounts of coverage they need to buy. They also help policyholders whenever changes need to be made to their policies, as well as when claims need to be filed. Other insurance products this agency sells include auto and life policies.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

100 M Street SE, Suite 600 Office #658, Washington, DC 20003

Expertise.com Rating

Review Sources

Google
4.2 (10)
Yelp
1.5 (2)

Why choose this provider?

Ryant Insurance & Financial Services is an independent agency serving Washington DC and nearby areas. Its products include home insurance, which covers additional living expenses in case the policyholder needs to rent a house temporarily. Its agents also furnish plans that protect homeowners' valuable possessions such as wine collections, jewelry, and fine art. They have access to policies from different carriers, including The Hartford, Nationwide, and Tapco. Principal agent Brad Ryant Sr. has more than 35 years of experience in the insurance industry.

  • Renter's Insurance

133 Defense Highway, Annapolis, MD 21401

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Old Bay Insurance Agency provides homeowners' insurance products and services to residents of Washington DC and the surrounding areas. For more than 25 years, the provider has offered storm damage insurance, dog bite liability, manufactured home coverage, swimming pool liability insurance, and sewer backup insurance. Its team of advisors has over 60 years of combined experience in the industry and offers policies personalized to the clients' needs and circumstances. Additionally, Old Bay Insurance Agency offers other insurance products like auto, boating, life, and renters' insurance.

  • Renter's Insurance

1200 E Fort Ave, Baltimore, MD 21230

Expertise.com Rating

Review Sources

Google
5.0 (58)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Ryan Nash State Farm Insurance Agent helps clients obtain homeowners insurance policies. Serving families and individuals in the Washington metro area, this agency strives to ensure that everyone it serves has adequate coverage for their homes and the personal belongings they keep inside. It also carries an array of other State Farm insurance products, including auto, health, life, and pet insurance. Ryan Nash State Farm Insurance Agent is licensed to sell insurance in D.C., Maryland, and Virginia.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

9914 Main Street, Fairfax, VA 22031

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Puffenbarger Insurance & Financial Services Inc. is an insurance agency that serves clients in the Washington metro area. This agency works with a variety of the country's top carriers, including Nationwide and Progressive. It helps its clients select policy options and obtain quotes for homeowners insurance policies, as well as life, auto, and business policies. Puffenbarger Insurance is a family-owned and operated business. Other services include financial planning, college planning, and wealth management.

  • Renter's Insurance
  • Condos

2 E. Rolling Crossroads, Suite 151, Catonsville, MD 21228

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

HBW Insurance Group Inc. offers insurance sales and assistance for clients in Washington and throughout several states. This agency sells new home insurance policies, as well as policies that protect clients' financial wellbeing after accidents or disasters cause damage to their cars and other personal property. Some of the carriers this agency represents include Progressive, Liberty Mutual, and Farmers. HBW Insurance Group Inc. is a Trusted Choice Independent Insurance Agent.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

4035 Ridge Top Road, Fairfax, VA 22030

Expertise.com Rating

Review Sources

Facebook
4.8 (16)
Google
4.4 (5)
Yelp
3.0 (4)

Why choose this provider?

Preferred Insurance sells a variety of personal insurance products for clients in Washington and throughout its nearby areas. This agency strives to help clients find the best coverage options to suit their needs by shopping quotes and policy offerings from a broad range of carriers. When helping homeowners, agents discuss optional insurance such as earthquake and flood policies, as well as personal contents insurance. Other products sold include policies that cover weddings, recreational vehicles, and businesses.

  • Condos
  • Renter's Insurance
  • Flood

2500 Hunter Place, Woodbridge, VA 22192

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (8)
Yelp
45.0 (4)

Why choose this provider?

Serving clients since 2000, Oberryman Insurance Agency offers homeowners insurance policies for clients in Washington, as well as throughout Virginia, Maryland, and DC. Its team of agents is committed to helping clients obtain policies from reliable carriers such as Farmers, Travelers, and Progressive. When working with homeowners, agents use home assessments and valuations of the homes' contents to determine how much coverage a client should purchase. Other types of insurance this agency sells include life and business.

  • Fire
  • Multiple Policy Types

7568 Main St, Sykesville, MD 21784

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Elaine Gossage State Farm Insurance Agent has been serving families and individuals in the Washington metro area for more than 25 years. This agency sells a variety of personal insurance products, including homeowners policies that cover clients in case of accidents, disasters, and theft. In addition to home insurance, it sells a variety of other State Farm policies. That includes coverage for vehicles, pets, and healthcare expenses. Agent Elaine Gossage is licensed to sell insurance in D.C. and Maryland.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
CMR Insurance Agency
1400 North 14th Street Suite 3 – 12th Floor, Arlington, VA 22209
Insurance Island
1615 Q Street NW Suite 1108, Washington, DC 20009
Asma Atique - State Farm Insurance Agent
12751 Marblestone Dr Ste 250, Woodbridge, VA 22192
Ahart Frinzi & Smith Insurance
127 S Peyton St Ste 201, Alexandria, VA 22314
Foresight Insurance
11821 Parklawn Dr Ste 305, North Bethesda, MD 20852
Cambridge Broyhil Chambers Insurance
725 Shepherd St NW, Washington, DC 20011
John Stein - State Farm Insurance Agent
6630 Baltimore National Pike Ste 100B, Baltimore, MD 21228
Cascade Insurance Group
1100 N Glebe Rd Ste 1010, Arlington, VA 22201
Crystal Insurance Agency
1801 Belmont Rd NW Ste 201, Washington, DC 20009
Trendstar Insurance Inc.
9560 Marlboro Pike Suite 204, Upper Marlboro, MD 20772
Nik Creighton - State Farm Insurance Agent
3290 Pine Orchard Lane Suite D, Ellicott City, MD 21042
Ryant Insurance & Financial Services
100 M Street SE, Suite 600 Office #658, Washington, DC 20003
Old Bay Insurance Agency
133 Defense Highway, Annapolis, MD 21401
Ryan Nash - State Farm Insurance Agent
1200 E Fort Ave, Baltimore, MD 21230
Puffenbarger Insurance & Financial Services Inc
9914 Main Street, Fairfax, VA 22031
HBW Insurance Group, Inc
2 E. Rolling Crossroads, Suite 151, Catonsville, MD 21228
Preferred Insurance
4035 Ridge Top Road, Fairfax, VA 22030
Oberryman Insurance Agency
2500 Hunter Place, Woodbridge, VA 22192
Elaine Gossage - State Farm Insurance Agent
7568 Main St, Sykesville, MD 21784

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What does a homeowners' insurance policy cover in Washington, D.C., and are there any optional coverages available?

    In Washington, D.C., homeowners' insurance encompasses protection for the home structure and personal belongings and accountability for potential damages to third parties or their assets. It also aids with extra living costs if a home becomes unlivable after an insured incident, medical bills for others, and auxiliary structures. Some insurers additionally present optional benefits against identity fraud, insuring high-worth items, handling sewer backups, and offering full replacement value on homes and possessions.

  • What are the named perils covered by homeowners' insurance in Washington, D.C., and how should residents ensure full protection?

    Homeowners' insurance in Washington, D.C., safeguards against named perils like wind impairment, fires, tornadoes, hurricanes, thunderstorms, and acts of vandalism. However, it's pivotal for homeowners to meticulously peruse their policy to discern both included and excluded risks. To ensure comprehensive protection, residents should be vigilant about prevalent threats that might not fall under their current coverage.

  • How can homeowners in Washington, D.C., avail discounts or reduce the expenses of their insurance policies?

    In Washington, D.C., homeowners can achieve discounts on their insurance by installing safety installations like smoke and theft alarms. Additionally, pairing homeowners' insurance with auto or other policies, such as life or boat insurance, often results in savings. When seeking insurance quotations, it's imperative to inquire about any available markdowns to maximize cost-effectiveness.

  • If a homeowner in Washington, D.C., installs a pool on their property, how might it impact their homeowners' insurance premiums?

    Having a pool in Washington, D.C., can lead to higher homeowners' insurance rates. Insurance providers view pools as attractive nuisances that magnetize children and pose hidden hazards. The logic behind the hike in premiums is straightforward: pools present an increased risk due to their potential danger and high maintenance costs, necessitating greater charges to ensure insurers remain profitable.

  • How can a poor credit score impact homeowners' insurance rates for residents in Washington, D.C.?

    In Washington, D.C., a low credit standing not only impedes one's ability to get credit; it can also elevate homeowners' insurance premiums. Insurers perceive individuals with low scores as potentially high-risk clients. This stems from the belief that these individuals might lodge insurance petitions more frequently than those boasting better scores, prompting an uptick in their rates.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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