Washington Home Insurance Quotes
Washington home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Washington Home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax, and let us take care of the rest.
Our team of licensed agents will shop for your Washington home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple WA insurance providers.
Home insurance rates in Washington
The average Washington home insurance rate in October 2013 was $624.00. It appears that rates have decreased since September when average rates in Washington were around $630.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Washington
|Oct 2013||Sep 2013||Aug 2013||Jul 2013||Jun 2013|
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 policies. You can also save money if you've got a security system installed or if you've filed no claims on previous insurance. The Insurance Information Institute 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. One of our experts can not only find you coverage at a low price, but discounts you may not get otherwise.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to get Washington home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your WA policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
Insurance Rates by County
Do homeowners in your area pay more for home insurance than the state average? Use the chart below to see how average insurance premiums in your county stack up against the average rates in your state.
See what your neighbors in Washington are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Washington by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$644†||$1,257†||$536†||$477†||$527†|
|Foundation type||Crawl Space||Basement||Crawl Space||Basement||Crawl Space|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Gas||Central Gas||Central Gas|
Standard Washington Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Washington home insurance policy
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.
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.
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.
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? Get 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 city:
Customer Reviews in Washington
For additional information about specific insurance laws in Washington, visit the Washington Department of Insurance website.