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Call Us Now: At HomeInsurance.com you can compare up to four home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Washington homeowners insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.
The average Washington home insurance rate in December 2011 was $603.00. It appears that rates have increased since November 2011 when average rates in Washington were around $588.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Washington |
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| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $603.00 | $588.00 | $581.00 | $569.00 | $559.00 |
There are a lot of discounts for Washington homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their Washington home insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything.
Standard Washington Home Insurance Coverages
| A | Dwelling: A standard Washington homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Washington home insurance policy |
| C | Contents/Personal Property: A Washington home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Washington home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Washington, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Washington MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Washington Homeowners Insurance News
- Lawmakers continue to debate flood insurance programThursday, May 10, 2012
- Washington apartment fire damages dozen tenants' homesTuesday, April 17, 2012
- Washington governor requests disaster declarationWednesday, February 29, 2012
- Smoking blamed for Washington house fireMonday, October 24, 2011
- Spring season increases risk for tree damage Friday, April 15, 2011
Other Washington Homeowners Resources:
- Home Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Washington
- Disaster Preparedness Guide- Make sure your home and family is protected.
- Are you qualifying for all available discounts in Washington? Check out our list of available home insurance discounts.
Search for home insurance in your Washington county:
Customer Reviews in Washington
For additional information about specific insurance laws in Washington, visit the Washington Department of Insurance website.
