How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Washington D.C637,000138$1,151

Popular Questions about Homeowners Insurance in Washington, DC

The average annual rate for home coverage in Washington, DC is $1,235, close to the national number of $1,211 per year. For exact pricing consult with a licensed professional.

In Washington, DC your home insurance policy will come with coverage against fire, theft, vandalism, and severe weather. Limits are categorized among the following coverages:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses

In Washington, DC you're not required by law to carry homeowners insurance, although it's needed. If you have a mortgage or lender on your home then they'll mandate proof of insurance. Washington, DC had $61.47 million paid in home insurance claims in one year, making the right protection necessary to avoid financial disaster.

Each carrier will base your premiums on a variety of risk factors such as past claims, property value, natural disasters, and crime rates. The burglary rate in Washington, DC is 2.55 for every 1,000 people, which will impact your home insurance pricing.

In Washington, DC there are numerous carriers for your home insurance. Progressive, RLI, and Stillwater insurance companies are highly rated in Washington, DC for home protection due to fast claims service and low prices.

Yes, Washington, DC has 27 independent insurance agencies to choose from when selecting home insurance. Independent agents work for you free of charge, ensuring the you get the best options for an affordable rate.

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