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 ResidentsAnnual insurance cost
Federal Way$340,5006.83$908
Spokane Valley$222,2004.89$869

Popular Questions about Homeowners Insurance in Washington State

In Washington, the average annual home insurance premium is $854, which is quite a bit lower than the national number of $1,211 per year. If you're shopping for homeowners coverage, you'll need to get custom quotes from a licensed professional.

Washington homeowners insurance will come with limits of protection for dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. Losses that are covered are:

  • Fire
  • Theft
  • Vandalism
  • Severe weather
  • Natural disasters

Washington does not have a specific law that requires you to carry home insurance, although protection is necessary. With Washington having $813.87 in home insurance claims paid in just one year, coverage is needed to avoid financial devastation. If you have a mortgage on your home, they will mandate proof of home insurance in order to get a loan.

Washington home insurance carriers look at these factors when rating your policy:

  • What's your home worth?
  • Have you had past claims?
  • What limits did you select?
  • What is the local crime rate?
  • What are the reported disasters in your area?

When it comes to finding the best home insurance carrier, remember that coverage is specific to your property. In Washington, Progressive, Travelers, and Nationwide insurance companies come highly recommended for their speedy claims service and broad coverage selection. The market that is right for your home can be found through a local adviser.

Yes, Washington currently has 324 independent insurance agencies that can write your home coverage. Each independent agent has a network of dozens of carriers that can help with policy and premium. 

Do You Know What Your Washington Home Insurance Covers?

Find the Best Homeowners Insurance in Your City