Best Homeowners Insurance in Washington (2024)


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Although the best home insurance provider in Washington is Chubb, matching your needs is key. For those prioritizing affordability, Nationwide stands out as the most wallet-friendly choice, also excelling for new homeowners and those with high-value properties.

Our analysis assumed a dwelling coverage limit of $100,000. Your coverage needs will influence your premiums, so it’s important to understand how much home insurance you need. For budget-conscious homeowners, we gathered data on the cheapest home insurance in Washington.

MoneyGeek Logo IconBest HomeInsuranceWashington
2024

Why Trust MoneyGeek? Our analysis utilizes information from the Washington State Office of the Insurance Commissioner and Quadrant Information Services to pinpoint premier homeowners insurance options in Washington.

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Home insurance rates in Washington represent the latest quotes as of July 2024.

1,900,800Quotes Analyzed
 
8Companies Compared
 
20ZIP Codes

Overall Best Homeowners Insurance in Washington

Chubb offers the best home insurance in Washington.

  • Chubb: MoneyGeek score of 96 out of 100 ($676 per year)
  • State Farm: MoneyGeek score of 88 out of 100 ($707 per year)

In Washington, homeowners must navigate through a variety of insurance companies, each providing different premium rates and customer service levels. Find a balance that suits your personal needs, ensuring both cost-effectiveness and reliable service.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
96/ of 100

Overview

Chubb excels in customer satisfaction. Its average annual premium is $676. Personalized risk consulting and cash settlement add-ons offer unique advantages. Risk consulting delivers tailored services to minimize possible risks to your home, whereas cash settlement provides a cash-out option if a total covered loss occurs, granting flexibility in times of need.

Best Homeowners Insurance in Washington for Customer Service

Chubb offers the best home insurance in Washington for service quality.

  • Chubb: MoneyGeek score of 96 out of 100 ($676 per year)
  • Nationwide: MoneyGeek score of 81 out of 100 ($579 per year)

Service quality in a home insurance provider means responsive, courteous and efficient handling of your needs. Homeowners prioritize good quality service because it translates to less stress when filing a claim or needing assistance. For instance, quick claim resolutions can be critical after a natural disaster.

Company logo for Chubb
Best for ServiceChubb
MoneyGeek Score:
96/ of 100

Overview

Chubb leads in home insurance service quality in Washington with a perfect customer satisfaction score, highlighting its commitment to exceptional service. Its average annual premium is $676.

Among Chubb's reasonably rare coverages, building ordinance or law stands out, covering additional costs incurred to rebuild a home to current building codes. Risk consulting is another beneficial coverage, providing personalized services to minimize potential risks at home.

Best Cheap Homeowners Insurance in Washington

Chubb is the leading provider of affordable home insurance in Washington for budget-conscious homeowners.

  • Chubb: MoneyGeek score of 95 out of 100 ($676 per year)
  • State Farm: MoneyGeek score of 90 out of 100 ($707 per year)

Although Chubb may offer the cheapest premiums, it's not synonymous with superior service. Choose a provider that strikes a balance between affordable premiums and reliable service. For instance, when the average cost of home insurance in Washington is considered, a homeowner might prioritize a slightly higher-priced option for the added benefit of customer service excellence after a stressful event like a natural disaster.

Company logo for Chubb
Best CheapChubb
MoneyGeek Score:
95/ of 100

Overview

Chubb’s average annual premium is approximately $676. Chubb offers a variety of discounts to help make premiums even more manageable. The protective device discount applies when installing safety features. The claims free discount is given for maintaining a claim-free record.

Best Homeowners Insurance in Washington for Expensive Homes

Nationwide offers the top home insurance for those with expensive homes in Washington. These providers deliver exceptional coverage for homes needing $1 million in dwelling coverage.

  • Nationwide: MoneyGeek score of 88 out of 100 ($2,203 per year)
  • Allstate: MoneyGeek score of 83 out of 100 ($1,838 per year)

Owning an expensive home means needing more coverage, impacting costs, so selecting a provider balancing cost and quality is crucial.

Company logo for Nationwide
Best for Expensive HomesNationwide
MoneyGeek Score:
86/ of 100

Overview

Nationwide is the top provider of home insurance for upscale homes in Washington, with an average annual premium of $2,567. Homeowners may further reduce costs through the protective device discount, which rewards installation of security features like smoke detectors and burglary systems.

Nationwide offers enhanced coverage options such as scheduled personal property for valuable possessions and equipment breakdown for unexpected appliance repairs, delivering tailored protection for the unique needs of luxurious homes.

Best Homeowners Insurance in Washington for New Homes

Nationwide is the top choice for homeowners seeking the best insurance for new homes in Washington. The providers listed below are superior options for $500,000 in dwelling coverage for new homes.

  • Nationwide: MoneyGeek score of 88 out of 100 ($694 per year)
  • Chubb: MoneyGeek score of 57 out of 100 ($1,977 per year)

Nationwide leads with high affordability and service scores, offering Washington homeowners an excellent mix of cost efficiency and reliable service. This blend ensures homeowners have access to quality coverage without breaking the bank.

Company logo for Nationwide
Best for New HomesNationwide
MoneyGeek Score:
88/ of 100

Overview

Nationwide is the leading home insurance provider for new homes in Washington, boasting a perfect affordability score and an average annual premium of $694. Its guaranteed replacement cost coverage can ensure your new home is rebuilt to its original quality without worry for the actual cash value, which can be pivotal in the event of a total loss.

Nationwide offers exceptionally valuable discounts including home renovation and continuously insured benefits. Homeowners can save by upgrading their home systems, and demonstrate loyalty through uninterrupted coverage.

Best Homeowners Insurance in Washington for Veterans

in Washington, Chubb is the premier (home insurance provider for veterans and their families)[https://www.moneygeek.com/insurance/homeowners/homeowners-insurance-for-veterans/].

  • Chubb: MoneyGeek score of 88 out of 100 ($676 per year)
  • Nationwide: MoneyGeek score of 86 out of 100 ($579 per year)

Veterans deserve a homeowners insurance company that acknowledges their unique situation, be it frequent moves or active duty deployments. Such a company ensures that homes and belongings remain safeguarded regardless of location or circumstance.

Company logo for Chubb
Best for VeteransChubb
MoneyGeek Score:
96/ of 100

Overview

Chubb leads as the best home insurance provider for veterans in Washington, with high affordability and claims handling scores, averaging an annual premium of $676. Chubb offers guaranteed replacement cost, allowing homeowners to rebuild their house as it was before a covered loss, regardless of the limit.

Chubb delivers very rare discounts for new homeowners and those with renovated homes, easing the financial load on veterans settling into new lives. To qualify, the home must be recently purchased or have undergone significant upgrades, incentivizing well-maintained and modern living spaces.

How to Find the Best Homeowners Insurance in Washington for You

The best homeowners insurance providers strike a balance by offering excellent customer service and comprehensive coverage at competitive premiums. Your specific insurance needs will dictate which provider is the ideal match for you. In the following steps, we'll guide you through the process of finding the homeowners insurance that best suits your personal circumstances and offers optimal protection for your home and belongings.

  1. 1
    Assess Your Insurance Needs

    Establish precisely what your property requires for protection. This first step ensures your coverage is adequate without paying for superfluous extras.

  2. 2
    Research Various Providers

    Explore various insurance companies to find one that aligns with your needs. Look for reputable providers with a strong track record of customer satisfaction and financial stability. Online reviews and state insurance department websites can be excellent resources for this information.

  3. 3
    Compare Coverage and Costs

    With your list of potential insurers, it's now time to scrutinize their policies. You want a balance of comprehensive coverage at a reasonable cost. Employ tools to compare home insurance quotes and identify the best value for your investment.

  4. 4
    Understand the Policy Details

    Before deciding on a policy, ensure you comprehend all its aspects. Pay attention to the coverage limits, deductibles, exclusions and how claims are handled. Knowing these details helps prevent surprises when you need to file a claim.

  5. 5
    Consult with an Independent Agent

    Concluding your homeowners insurance search might benefit from professional input. An independent insurance agent can provide personalized advice, clarify any complex aspects of your potential policies and help you make an informed decision.

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DOES HOME INSURANCE COVER FLOOD DAMAGE IN WASHINGTON?

Flood insurance isn’t required by law for homeowners in Washington. However, it’s wise to consider flood insurance in Washington to guard against possible flood damages.

FAQ: Homeowners Insurance in Washington

Finding the best homeowners insurance provider in Washington hinges on your unique needs and circumstances. As you weigh your options, consider common questions to guide your choice and ensure you're well-informed.

Which insurance company is best for home insurance in Washington?

Who has the most affordable homeowners insurance in Washington?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.