Guide to Home Insurance in Washington (2024)

We break down everything you need to know about home insurance in Washington — from average costs, the best companies, how to prepare for earthquakes, landslides, and wildfire season, and much more.

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By

Andrew HurstSenior Editor & Licensed Insurance ExpertAndrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated

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We can help you find the best home insurance companies in your area, learn about the average cost of home insurance where you live, and more with our ultimate guide to home insurance in Washington.

Learn more about home insurance in Washington

Find your best home insurance rates in Washington with our free tool

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Best Washington home insurance company reviews

Company

Average annual cost

Allstate

$586

Mutual of Enumclaw Insurance

$677

PEMCO Insurance

$733

Grange Insurance

$836

California Casualty

$845

USAA

$1,023

Auto-Owners Insurance

$1,084

Nationwide

$1,085

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Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Find the average cost of home insurance in your city

City

Average annual cost

Auburn

$1,195

Bellevue

$1,099

Bellingham

$1,126

Everett

$1,109

Federal Way

$1,162

Kennewick

$1,137

Kent

$1,218

Kirkland

$1,200

Marysville

$1,172

Pasco

$1,205

Redmond

$1,090

Renton

$1,195

Richland

$1,132

Sammamish

$1,186

Seattle

$1,130

Spokane

$1,176

Spokane Valley

$1,188

Tacoma

$1,195

Vancouver

$1,112

Yakima

$1,211

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Find your best home insurance rates in Washington with our free tool

We don't sell your information to third parties.

Author

Andrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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