Washington D.C. Homeowners Insurance

Your Guide to Homeowners Insurance in Washington, DC

Independent agents in Washington DC shop multiple companies to get you the best price on home insurance.

Washington, DC is rich with the history of our nation. Monuments, museums, and a bustling population make it a fascinating place to live. If you own a house or property in the District of Columbia, you need to consider your homeowners insurance coverage.

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Cost of Homeowners Insurance in DC:

  • National yearly premium average: $1,132
  • District of Columbia yearly premium average: $1,151
  • 18th most expensive premium in the US

The most recent information available as of 2017 from the Insurance Information Institute shows that the District of Columbia's average premium costs are $1,151, which is just a bit higher than the national average.

A typical DC homeowners insurance policy will be similar to a policy from any US state. Residents of Washington DC may still face threats from storms, floods, fires, and theft. Compare some past claims figures in DC to the rest of the U.S.

Number of Catastrophes in District of Columbia and the US:

  • National number of catastrophes: 19,033
  • Number of catastrophes in Washington, DC: 594
  • National number of tornadoes: 1,233
  • Number of tornadoes in Washington, DC: 23
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Washington, DC: $210,240,000

Washington, DC ranks high with regard to number of catastrophes and tornadoes it endures. Residents need to ensure that they are protected from all types of disasters, including storms, fire and flooding.

Many basic home policies exclude floods from coverage. Prudent home owners may need to purchase extra coverage from their company or The National Flood Insurance Program in order to protect their valuables and home against all types of water damage.

There is an elevated risk of fires in the metropolitan area of DC. Individual home owners can protect their house and property with a good fire alarm system. Installing and maintaining fire alarms may also earn premium discounts from some insurers.

Theft in District of Columbia:

  • National average for burglaries: 37,814
  • District of Columbia number of burglaries: 138,916

With such a high number of burglaries in the nation's capital, residents would be wise to safeguard their homes by having properly secured windows and good deadbolt locks in addition to having a good burglar alarm system.

Also note that the metropolitan area of the District of Columbia is a little different than some other urban centers. While over 600,000 people live in the area, the city’s population almost doubles during the work week as commuters drive in from other areas.

Where Can Residents Find Good DC Homeowners Insurance?

Comparing DC home insurance quotes can take time. Most home owners don’t have the time to learn everything there is to know about home policies. A good local agent can help narrow down your choices and save you money.

Trusted Choice member agents work for their customers, not for any particular insurer. This allows them to select the best coverage at the best price for each individual home owner.

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