Best Homeowners Insurance in Washington


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Key Takeaways

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Our 2025 study found Washington's top three home insurance companies: State Farm, Nationwide and Chubb.

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State Farm offers the best overall home insurance for most Washington homeowners. For those with older homes, it's also the top choice.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in Washington?

The best home insurance companies in Washington are State Farm, Nationwide, Chubb, Allstate and Foremost. State Farm leads in affordability, Nationwide excels in coverage options, and Chubb stands out for customer service. Compare all our top picks below.

State Farm92124
Nationwide88231
Chubb87513
Allstate80344
Foremost Insurance73451

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Best Homeowners Insurance Companies by Category

While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.

State Farm92Overall
State Farm91Older Home
State Farm91Newer Homes
State Farm92High-Fire-Risk Areas
State Farm92Bad Credit
State Farm92With Claims History

Best Washington Home Insurance by City

Home insurance provider rankings in Washington cities vary widely based on policy affordability, local customer service, and available add-on coverage options. For instance, State Farm ranks best in Bellevue, Everett, Kent, Renton, Spokane, and Tacoma, while it also tops the list in Seattle and Vancouver. To help you choose the best provider for your location, we've outlined the top overall options for each city.

BellevueState Farm92
EverettState Farm92
KentState Farm92
RentonState Farm92
SeattleState Farm91
SpokaneState Farm92
TacomaState Farm92
VancouverState Farm91

State Farm: Best Cheap Overall

State Farm is Washington's most cost-effective home insurance option. It delivers superior customer service and ranks seventh in customer satisfaction and eighth in claims satisfaction, per J.D. Power. The company also provides distinctive coverage features unavailable from most competitors, including underground utility protection and extended replacement cost reimbursement that shield homeowners from rising repair expenses.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
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Claims History:Claim free for 5+ years
Newer Homes$69$827
Newer Homes in High-Fire-Risk Areas$69$827
Older Homes$110$1,324
Older Homes in High-Fire-Risk Areas$110$1,324

How to Find the Best Home Insurance in Washington

Finding the right insurance can be tough, so we've created a step-by-step guide to help you easily navigate your options and choose the best coverage for your needs.

  1. 1

    Determine your coverage needs

    Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside, and local risk factors like wildfire or flooding that might affect your coverage.

  2. 2

    Research costs and discounts

    Figure out how much home insurance costs in Washington to see if providers truly offer savings. Also, check for discounts you qualify for, such as bundling policies or installing home safety devices, to maximize your savings.

  3. 3

    Find the best providers for you

    After researching coverage and costs, narrow your search for the best and cheapest home insurance in Washington. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.

  4. 4

    Compare multiple providers through all means

    With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.

  5. 5

    Review and finalize your policy

    Once you've selected a provider, review the policy details carefully. Confirm that all personal and property information is correct, and understand the terms and conditions.

Best Homeowners Insurance in Washington: Bottom Line

State Farm, Nationwide, and Chubb are the top-rated homeowners insurance providers in Washington. While these are strong recommendations, researching and comparing options can help you find the best fit for your needs.

Best Home Insurance in Washington: FAQ

Discover answers to your questions about finding the right home insurance provider in Washington.

Which company is best for home insurance in Washington?

Who has the most affordable homeowners insurance in Washington?

How do you get the best homeowners insurance in Washington?

How We Decided the Best Home Insurance in Washington: Our Methodology

We rated the best homeowners insurance providers in Washington using this methodology:

  • Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
  • Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
  • Coverage (15%): We assessed the number of add-on options, unique features and availability by state.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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