Finding Washington home insurance quotes that offer top coverage at a good price can be both challenging and time consuming. You'll most likely waste hours talking to multiple agents only to get quotes that exceed your budget. With HomeInsurance.com, finding competitive Washington home insurance quotes is easy, whether you live in Seattle, Spokane or Yakima.
Our team of licensed agents will help you compare up to six quotes from leading providers in the country. Our agents are dedicated to find you the best rates and the most comprehensive coverage available.
HomeInsurance.com agents can find you a policy that's budget friendly without having to sacrifice coverage. Don't keep wasting your time searching for Washington home insurance quotes on your own. Sit back and let us do the work for you.
What others are paying for Washington home insurance
Curious about what your neighbors are paying for Washington home insurance? Below you'll find details of the last five Washington policies written by HomeInsurance.com agents. Remember, policies differ based on factors like location and square footage.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$0†||$0†||$462†||$474†||$456†|
|Foundation type||Crawl Space||Crawl Space||Crawl Space||Basement|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Gas||Central Oil||Central Gas|
Find out what you might pay for Washington homeowners insurance by entering your ZIP code in the form above or by calling us directly at 1-877-295-3422. A friendly agent would love to find multiple Washington homeowners insurance quotes customized just for you.
Why does the ZIP code matter? Because your risks vary according to where you live in the state. Among the threats in the state are avalanches, drought, earthquakes, floods, severe storms, tsunami, volcano, and wildfire.
Home insurance rates in Washington
The average Washington home insurance rate in February 2014 was $592.00. It appears that rates have increased since January when average rates in Washington were around $588.00. 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
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Average Washington home insurance rates will constantly fluctuate but, don't worry, there are always ways to save on your Washington home insurance premium. Insurance experts recommend shopping annually for coverage and utilizing discounts. Homeowners can often save up to 20% by bundling their home and auto policies with one carrier. You can also save up to 10% by having a security alarm in your home and 5% if your home has deadbolt locks.
Here are some other common price breaks:
- Claims-free discount
- 55, retiree discount
- Non-smoker discount
- New home discount
Average Washington home insurance rates vs. U.S. rates
Washington policyholders paid an average of $592 compared with the national average of $815 for their home insurance premiums.
Washington insurance rates by county
Want to see how your county's home insurance rates compare across the state? Check out the map below to see how average home insurance premiums in your county compare to the average rates in your state.
Standard Washington homeowners insurance coverage
- Dwelling: Helps cover the cost of rebuilding or repairing your home in the event that it is damaged or lost in a covered peril such as wind, hail, lightning or fire.
- Other Structures: Structures on your property such as detached garages or fences can be protected by other structures coverage.
- Contents/Personal Property: Offers coverage for the personal possessions inside your home such as electronics, furniture and clothing – again for loss due to a covered peril. Consider purchasing additional coverage if you own high value items such as collectibles or jewelry.
- Loss of Use: In the event your home becomes uninhabitable due to a covered peril, your loss of use coverage would reimburse you for living expenses incurred while being temporarily displaced.
- Personal Liability Protection: Standard Washington homeowners insurance can provide financial protection in the event a visitor is injured on your property and decides to sue you.
- Medical Payments: Helps cover medical bills if someone is hurt on your property and doesn't plan to sue you.
Did you know standard Washington homeowners insurance policies do not offer coverage for flood damage? Homeowners in the Evergreen state who need flood protection can purchase a separate policy through the National Flood Insurance Program. For homes located in flood plains, flood insurance is a necessity. For homes not located in flood plains, flood insurance should still be considered. Rainfall in Washington varies dramatically going from east to west of the state.
Homeowners in the east experience high amounts of rainfall and should seriously consider purchasing extra flood coverage. Learn more about the National Flood Insurance Program here.
Earthquakes and landslides also typically are not covered. Review your home insurance policy and see what perils are covered and which are not. You may need to adjust your coverage in order to have full protection. Refer back to your policy and contact your agent if you ever have questions regarding your coverage.
For more information on insurance in Washington, visit the Washington Department of Insurance website.
Other Washington homeowners resources
Got any more itching questions about home insurance? Check out our frequently asked questions page and get some answers.
Insurance experts recommend homeowners keep inventory of all the contents in their home. Download and print our free inventory checklist and get started today!
Do you know how much dwelling coverage you need for your home? Find out with our home insurance calculator.
Find home insurance in your city
Click on your city or the one closest to you for more information on Washington homeowners insurance.