Best and Cheapest Home Insurance in Washington State for 2024
Mutual of Enumclaw has the cheapest home insurance in Washington state, at $857 per year on average for $350,000 of coverage.
Compare Home Insurance Quotes in Washington
Best cheap home insurance in Washington state
ValuePenguin gathered thousands of quotes for hundreds of ZIP codes from the largest home insurance companies in Washington state. We considered factors such as policy quotes, customer service metrics and coverage benefits to find the best insurance companies in WA.
Cheapest home insurance quotes in WA
Mutual of Enumclaw has the most affordable home insurance quotes in Washington state.
A Mutual of Enumclaw homeowners policy with $350,000 worth of dwelling coverage costs $857 per year. That's 42% cheaper than the statewide average of $1,483 per year.
Compare Home Insurance Quotes in Washington
Mutual of Enumclaw is a good choice if you have a cheap or average-priced home. It has the best homeowners quotes in Washington for $200,000 and $350,000 worth of coverage. However, it gets less affordable compared to some other companies when you need more coverage.
Consider Allstate if you have a high-value house. It offers rates that are half the state average for both $500,000 and $1 million of dwelling coverage.
Chubb is also a good choice if you own an expensive home in Washington state. It offers extra coverage benefits tailored to high-value homes. However, Chubb has some of the most expensive rates among major Washington state insurance companies.
Best cheap home insurance in Washington state
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Mutual of Enumclaw | $577 | |
| Grange | $586 | |
| Pemco | $764 | |
| Allstate | $773 | |
| Nationwide | $800 | |
$200,000
Company | Annual rate | ||
|---|---|---|---|
|
| Mutual of Enumclaw | $577 | |
|
| Grange | $586 | |
|
| Pemco | $764 | |
|
| Allstate | $773 | |
|
| Nationwide | $800 | |
$350,000
Company | Annual rate | ||
|---|---|---|---|
|
| Mutual of Enumclaw | $857 | |
|
| Grange | $862 | |
|
| Allstate | $867 | |
|
| Pemco | $918 | |
|
| Nationwide | $1,146 | |
$500,000
Company | Annual rate | ||
|---|---|---|---|
|
| Allstate | $1,010 | |
|
| Pemco | $1,065 | |
|
| Mutual of Enumclaw | $1,194 | |
|
| Grange | $1,214 | |
|
| Nationwide | $1,543 | |
$1 million
Company | Annual rate | ||
|---|---|---|---|
|
| Allstate | $1,748 | |
|
| Pemco | $1,785 | |
|
| Mutual of Enumclaw | $2,270 | |
|
| Grange | $2,385 | |
|
| Nationwide | $2,753 | |
What home insurance do I need in WA state?
Homeowners in Washington state should protect themselves against common natural disasters, such as earthquakes, floods and wildfires. Fortunately, homeowners insurance policies typically cover wildfires.
However, you'll have to buy separate earthquake and flood policies to protect against these perils.
Best overall home insurance in Washington state: Mutual of Enumclaw
-
Editor's rating
- Cost: $857/yr
Mutual of Enumclaw has the best combination of service, coverage and cheap rates for Washington state homeowners.
Pros:
-
Cheapest quotes in WA
-
Strong customer service
-
Large network of local agents
-
Extra protection against wildfires
Cons:
-
Online quotes unavailable
Homeowners insurance from Mutual of Enumclaw costs 35% to 48% less than the WA state average.
In addition to its low rates, Mutual of Enumclaw gets significantly fewer complaints compared to an average company its size. That means you can trust Mutual of Enumclaw to get your claim processed quickly and efficiently after an accident.
Mutual of Enumclaw doesn't sell homeowners insurance online. You'll have to call an agent to get set up with a quote. For some Washington residents, the personalized service offered by a local agent outweighs that inconvenience. However, if you prefer to buy insurance online or through an app, you may be better off with a competitor.
Most homeowners insurance policies cover wildfires. However, Mutual of Enumclaw goes one step further by offering customers access to a private firefighting service at no extra cost. In addition, Mutual of Enumclaw sells several extra coverage options including umbrella insurance and cybersecurity fraud protection.
Mutual of Enumclaw also sells auto insurance policies. Although it's cheaper than the Washington state average, it's not the most affordable option in WA. However, it may make sense to buy both policies through Mutual of Enumclaw if you plan on taking advantage of its home-auto bundling discount.
Best discounts for Washington homeowners: Pemco
-
Editor's rating
- Cost: $918/yr
Pemco offers Washington homeowners many ways to save on their policies.
Pros:
-
Many discounts available
-
High customer satisfaction
-
Water backup coverage standard
-
Online quotes available
Cons:
-
Not the cheapest option
Pemco has one of the most generous bundling discounts among major Washington home and auto insurance companies.
Pemco is also the fourth most affordable home insurance choice for Washington residents. While it's not the cheapest option, you may find it's the best deal if you qualify for one or more of Pemco's discounts for Washington homeowners.
Pemco discounts
- Claims-Free Discount: Available after three years of not filing a claim.
- Home Plus Auto Discount: Save when you bundle your home and auto policies with Pemco.
- Educator Discount: You can qualify for this discount if you work for a school, community college or university. Nonteachers are eligible for this discount, and you can keep it after you retire.
- Protection Device Discount: You may be eligible for this discount if you have an alarm, automatic shut-off or monitoring system for your fire, gas, theft and water devices.
- Fire-Resistive Construction Discount: Available to condo owners who live in buildings made from fire-resistant materials.
- Sprinkler Discount: Save if your home has a sprinkler system.
Washington residents who value a fast and efficient claims process should consider Pemco. It gets far fewer customer complaints compared to an average insurance company of the same size.
Pemco homeowners insurance costs $918 per year for $350,000 of dwelling coverage in WA state.
All Pemco homeowners policies include water backup coverage as a standard feature. That means you could save thousands of dollars if your basement floods because of a backed-up pipe. With other companies, you usually have to buy this coverage as a separate add-on.
Best Washington homeowners insurance for expensive homes: Allstate
-
Editor's rating
- Cost: $1,010/yr
A homeowners policy from Allstate costs $1,010 per year, half the WA state average, for $500,000 of dwelling coverage.
Pros:
-
Affordable rates for high-value homes
-
Many extra coverage options and discounts available
-
Strong network of local agents
-
Free online tools for homeowners
Cons:
-
Middle-of-the-road service
-
Expensive auto insurance policies make it a poor choice for bundling
Allstate has the cheapest homeowners insurance quotes in Washington state for high-value houses. A policy with $500,000 of dwelling coverage costs roughly half the statewide average. That's a savings of $945 per year. Allstate is also the best deal for $1 million in dwelling coverage, at $1,748 per year or half the statewide average.
You can save even more on your policy by taking advantage of one of Allstate's many discounts. These include many industry standards like discounts for switching from another insurance company, making on-time payments and going several years without filing a claim. Allstate also offers a home-auto bundling discount. However, you should shop around before you commit to Allstate for car insurance since its auto insurance is more expensive than the WA state average.
Allstate has a strong network of agents in Washington state. Many people prefer the personalized service offered by a local agent. However, it's important to note that Allstate has a middle-of-the-road customer service reputation. It gets about 10% fewer complaints than an average company of the same size. While not bad, it's worse than other top companies like Pemco and Mutual of Enumclaw.
Alternatives for WA residents with expensive homes
Chubb is a company that specializes in insuring high-value homes. It offers higher limits and more coverage options than many of its competitors. However, you can only buy a Chubb policy from an independent agent. The Chubb website only lists five agents for the entire state of Washington.
In addition, Chubb often requires its customers to meet stricter requirements about the type and condition of their home compared to other companies. For example, it may decide not to insure your home if it's deemed too old or too small.
Average home insurance cost in Washington state
Homeowners insurance costs $1,483 per year in Washington state for $350,000 of coverage.
That's roughly 31% cheaper than the national average of $2,151 per year.
Dwelling coverage | Annual cost |
|---|---|
| $200,000 | $1,102 |
| $350,000 | $1,483 |
| $500,000 | $1,955 |
| $1,000,000 | $3,518 |
Washington state residents pay more for homeowners insurance than nearby Oregon and Idaho, but they pay less than those in California. Homeowners in Oregon pay just $1,225 per year on average, while Idaho residents pay $1,437 per year on average. California residents pay slightly higher rates with an average annual cost of $1,644.
Washington insurance rates by city
Deer Harbor has the cheapest homeowners insurance rates in WA.
An average homeowners policy in Deer Harbor, a small island town near the Canadian border, costs $1,319 per year for $350,000 of dwelling coverage. By contrast, Parker, a small town in the Yakama Indian Reservation, has the most expensive homeowners insurance quotes in Washington state, with an average annual cost of $2,023.
City | Annual rate | % from avg. |
|---|---|---|
| Aberdeen | $1,420 | -4% |
| Acme | $1,393 | -6% |
| Addy | $1,553 | 5% |
| Adna | $1,614 | 9% |
| Ahtanum | $1,663 | 12% |
Rates are for a policy with $350,000 of dwelling coverage.
All of Washington's largest cities cluster around the state average. Homeowners insurance in Seattle costs $1,421 per year or 4% below the state average. Spokane and Tacoma are 2% cheaper and more expensive than the state average, respectively.
The best homeowners insurance companies in WA
Mutual of Enumclaw and State Farm have the best-rated homeowners insurance in Washington state.
Both companies offer below-average rates, good customer service and strong coverage. In addition, you can qualify for additional discounts through either company.
Company |
Rating
|
Complaints
|
|---|---|---|
| Mutual of Enumclaw | Low | |
| State Farm | Average | |
| Grange | Low | |
| Pemco | Low | |
| Nationwide | Average |
Natural disasters to watch out for in WA
Common natural disasters in Washington state include earthquakes, wildfires and flooding.
Fortunately, most homeowners insurance policies cover damage from wildfires. However, if you live in a high-risk area, you may have a hard time finding an affordable policy. If that's the case, you may need to buy a more expensive type of home insurance of last resort, called a FAIR plan policy.
These government-backed policies are sold by private companies. You can get FAIR coverage if you're having a hard time getting regular homeowners insurance.
You'll have to buy separate insurance policies to protect yourself against flooding and earthquakes.
You may need to buy flood insurance if you live in an area at high risk for flooding, such as river valleys and coastal areas. This includes many heavily populated parts of Washington including much of the Puget Sound region and parts of the greater Spokane area.
If you live west of the Cascade Mountains, you're at high risk for earthquakes. That means you should consider getting earthquake insurance if your own savings wouldn't cover the cost of repairing or rebuilding your house after a major earthquake.
Washington residents who live east of the mountains in cities like Spokane, Pasco and Yakima have less to worry about, although they're not entirely free from risk.
How to save money on home insurance in WA
Compare quotes to save on your Washington state homeowners policy.
One of the best ways to save on homeowners insurance is to shop around and compare quotes and coverage. For example, you could save nearly $2,000 per year just by switching from Country Financial to Mutual of Enumclaw.
When shopping for Washington state homeowners insurance, it's a good idea to see what discounts you qualify for. For example, Pemco advertises six different discounts for Washington homeowners including an educator discount for anyone who has ever worked at a school or university. Allstate also offers multiple discounts for homeowners including ones for paying on time and in full.
Finally, you can adjust your coverage by raising your deductible to get a better rate. Keep in mind that you have to meet your deductible before your homeowners insurance will pay out. Ideally, you should always be able to pay your deductible from your savings.
Frequently asked questions
Which company has the best home insurance in Washington?
Mutual of Enumclaw offers the best home insurance policies for most people in Washington because of its cheap rates and excellent customer service. Other good options include Pemco for its many discounts and Allstate for its low rates on expensive homes.
What is the average cost of homeowners insurance in Washington?
The average Washington state homeowners insurance policy costs $1,483 for $350,000 of dwelling coverage. That's 31% cheaper than the $2,151 per year national average.
Which company has the cheapest home insurance in Washington?
Mutual of Enumclaw has the cheapest homeowners insurance in WA. It costs $857 per year for $350,000 of dwelling coverage. That's 42% cheaper than the Washington state average.
Methodology
To find the best homeowners insurance in Washington state, ValuePenguin collected quotes from the top companies across every residential ZIP code in the state. Rates are for a 45-year-old married man with a history of zero insurance claims.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
Insurance rate data came from Quadrant Information Services. Quadrant's rates were taken from public insurance company filings and should only be used for comparative purposes.
Complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey, and ValuePenguin's ratings were used to create home insurance ratings.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.