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Washington Home Insurance - What's Happening

In Washington, most homeowners don’t overpay for home insurance premiums. Average premiums for Washington home insurance totaled only $570 in Q2 of 2014 – well below the U.S. average of $829. Why are average premiums so low in the Evergreen State? It might be the mild weather.

The state of Washington doesn’t have many natural threats. Flooding is one the biggest concerns due to the abundance of rain in the eastern side of the state. However, flooding is not covered by standard Washington home insurance. Flood insurance must be purchased separately and often is required by mortgage lenders. Not sure if you have the proper coverage for your home? Work with a licensed HomeInsurance.com agent so you can make sure your investment is fully protected.

Call HomeInsurance.com today or enter your information in the form above and let our licensed agents get you a free home insurance quote.

Curious about car insurance? Click here to learn more about auto insurance in Washington.


Washington Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


C

Home Grade

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C

Property Grade

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A

Bonus Grade

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C

Overall Grade

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Home (Grades related to the house itself)

Despite Washington’s below average home insurance premiums, the state didn’t pull off a winning grade. The Evergreen State features large homes, high building costs, and a high percentage of liability risks such as swimming pool and ATVs. WA homeowners did take some home safety precaution but fell short on others. Overall, there are many areas of improvement for this state.

A

Average year built

The average Washington home, built in 1985, is 5 years newer than the average U.S. home.

C

Average home size

Larger homes can be more expense to build – and to rebuild after a covered peril such as fire or wind.

C

Average replacement cost

Average building costs are high in the state. Replacing your house after a total loss will cost an average of $309,916.

B

% of homes with sump pump

Only 3% of WA homes have a sump pump, well below the national average of 15%.

Property (Factors related to the property and location)

The Evergreen state didn’t score many points in the property factors section. The average grade is partly due to the fact that the average insured cost of other structures (detached garages, sheds and fences, for example) on property belonging to Washington homeowners was $28,207 – above the national average of $26,165.

Washington homeowners lost more points by failing to avoid risk liabilities such as swimming pools and ATVs. WA homeowners were nearly three times as likely as the average U.S. homeowner to have swimming pools. ATVs and snow mobiles are also dangerous, and 2.9% of WA homeowners own at least one of these items.

Bonus (Other factors that influence your home insurance premiums)

A+

% of homes with fire extinguishers

95% of WA homes reported having fire extinguishers, compared with the U.S. average of 91%.

C

% of homes with dead bolt locks on exterior doors

Only 93% of homes in the state have dead bolt locks while the national average is almost 96%.

B

% of homes with smoke detectors

Smoke detectors can be a lifesaving safety feature and 98% of homes in Washington have them.

A

% of homes with security alarms

Only 17% of homes reporting having security alarms, a little under the U.S. average.

Overall Grade - C (below average)

Despite Washington’s below average home insurance premiums, the state didn’t pull off a winning grade. The Evergreen State features large homes, high building costs, and a high percentage of liability risks such as swimming pool and ATVs. WA homeowners did take some home safety precaution but fell short on others. Overall, there are many areas of improvement for this state.

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