The best homeowners insurance Washington state residents can find handles two states in one: the wet, windy west with its water and roof claims, and the dry east where wildfire has changed which carriers will write a parcel; earthquake is excluded everywhere and sold separately. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What the best carrier for a Washington house has to do
Settle water intrusion and roof claims fairly in a climate that tests both, write east-side parcels despite wildfire scoring, offer earthquake as an endorsement or point to a separate policy, and price Seattle's and Spokane's older housing on replacement cost.
The Washington perils and how the good carriers handle them
Winter windstorms and rain in the west, wildfire and smoke in the east, freeze in the mountains, landslides after heavy rain, and earthquake and flood, both excluded from every standard policy. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
How to judge them for your house
Check the complaint ratio at the Washington Office of the Insurance Commissioner, the financial strength rating and the filed rates on this site for your county; quote three carriers on the same dwelling limit and deductible and ask about earthquake.
Questions people ask about best homeowners insurance washington state
Who has the best homeowners insurance in Washington?
This site publishes no ranking. Judge the complaint ratio at the Washington insurance department, financial strength, the filed rates for your situation on this site and the settlement terms on the declarations page.
What should a Washington homeowners policy include?
A dwelling limit at rebuild cost, replacement cost on the roof and contents, the deductibles named above set where you can meet them, and water backup where the house needs it.
Is flood included?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.