The Best Homeowners Insurance in Washington [2023]


Find a top-ranked Homeowners Insurance Agency in your area

Washington state has much to offer homeowners. From a low crime rate to moderate year-round temperatures, it’s an attractive place to buy a home — which is great because the state is known for affordable home insurance rates that are $791 less than the national average of $2,305. 

The state has its fair share of natural disasters, including volcanic eruptions and landslides, which makes it even more important to find the right homeowners policy to protect your home and family. 

We at have analyzed a handful of home insurance companies. We’ll uncover everything to know about homeowners insurance in Washington, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Washington

The average cost of home insurance in Washington is $1,514 per year according to, making it the eighth least expensive state for home insurance.  

The cost of insurance premiums in Washington can differ vastly based on a few key factors: 

  • The age of your home: Is your home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to water or the coastline?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file a claim. Talk to your insurance provider about diminishing deductibles to get the best plan that suits your payment needs.

Washington Homeowners Insurance Rates by City

The average annual homeowners policy cost varies city by city, with Tacoma showing the highest average annual rate in the state. 

  To give you an idea of what insurance can cost in your state, we’ve provided a breakdown of the average annual rates by Washington city


Average Annual Rate








Spokane Valley


Federal Way

The Best Homeowners Insurance in Washington

After extensive research, we at found the following insurance agencies to provide the best, comprehensive coverage in Washington:

Chubb logo


Average Annual Rate: ~$1,441

Notes: Comprehensive coverage for high-value homes with various member perks

USAA logo


Average Annual Rate: ~$1,057

Notes: A great option for veterans or active-duty military members



Average Annual Rate: N/A

Notes: Offers an assortment of affordable add-on coverage options



Average Annual Rate: N/A

Notes: Provides high coverage limits for high-value homes

Liberty Mutual logo

Liberty Mutual

Average Annual Rate: N/A

Notes: Offers a robust  selection of discounts

Be sure to contact each agency for a more accurate home insurance quote.

Cheapest Homeowners Insurance in Washington

The cheapest homeowners insurance coverage in Washington is Crestbrook for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Remember that each insurance quote will vary depending on the details of your home and your personal information, so it’s a good idea to get quotes from multiple companies before making a decision. If you’re aiming to keep your home insurance costs low, check Crestbrook’s coverage options first.

Searching on phone

Find Cheap Homeowners Insurance in Your Area


Below, we tackle some common questions to help you make a more informed decision about which insurance to choose. 

How to Reduce Homeowners Insurance Costs in Washington

As we’ve pointed out, the price you pay for home insurance can vary substantially across insurers.  

Here are a few ways to reduce costs: 

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your premiums. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other insurance discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings. 

As always, consult your insurance agent to see which of the above discounts you qualify for.

Washington Insurance Options in Your City

At, our goal is to connect Washington residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

 View our list of the 15 best homeowners insurance agencies here.  

Learn more about the best home insurance options in your respective cities below:  

 Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.