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
| City | Avg. home value | Burglaries / 1,000 Residents | Annual insurance cost |
| Auburn | $323,100 | 7.34 | $849 |
| Bellevue | $806,800 | 3.53 | $837 |
| Bellingham | $372,600 | 5.09 | $852 |
| Everett | $325,900 | 5.85 | $918 |
| Federal Way | $340,500 | 6.83 | $908 |
| Kennewick | $200,500 | 3.54 | $998 |
| Kent | $343,700 | 6.58 | $902 |
| Kirkland | $682,300 | 3.21 | $856 |
| Renton | $401,600 | 5.28 | $874 |
| Seattle | $637,100 | 10.75 | $989 |
| Spokane | $190,200 | 9.76 | $877 |
| Spokane Valley | $222,200 | 4.89 | $869 |
| Tacoma | $269,800 | 8.87 | $981 |
| Vancouver | $298,500 | 4.44 | $955 |
| Yakima | $168,700 | 6.65 | $927 |
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
- $82
- Seattle, WA Monthly average home insurance cost
- The average monthly cost of home insurance in Seattle is $82.
- Because your homeowners insurance is completely customized to details about your house and other considerations, such as how many people live in it and the crime rate in your ZIP code, your monthly premiums may be higher or lower than this average. Request quotes from a few competing insurance companies to find out how much a policy will cost you.
- Seattle has a very high crime rate when compared to the rest of the state and the nation overall. In fact, this city sees more than 7,000 burglaries a year. It is therefore important that you take precautions like using deadbolt locks to help secure your home. Fortunately, your Seattle homeowners insurance covers you against property loss and damage to your house if you are the victim of a burglary. If you have installed a home security system, you may qualify for a discount on your home insurance premiums.
- $73
- Spokane, WA Monthly average home insurance cost
- The average monthly cost of home insurance in Spokane is $73.
- Of course, what you will actually be expected to pay may differ from this average amount depending on the specific risks associated with your home. Your rate will be calculated according to factors like the size of your home, the crime rate and weather risks in your ZIP code, the age of your roof, your credit rating, and more.
- One of the most devastating things that can happen to a homeowner is a residential fire. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings including your furniture, electronics, clothing, and precious items. Whether the fire is caused by an accident within your home or an out-of-control wildfire, your homeowners insurance has you covered. This insurance cannot bring back your irreplaceable items, but it can give you peace of mind in knowing you can afford to rebuild and replace as necessary.
- $82
- Tacoma, WA Monthly average home insurance cost
- The average monthly cost of home insurance in Tacoma is $82.
- Your house is not likely to be the same as your neighbor’s. While everyone in your neighborhood may face the same crime and weather risks, there are many more variables in play when it comes to calculating home insurance rates. Your premium will also be based on factors like the size and value of your home, the age of your roof, your claims history, the size of your deductible, and sometimes even your credit score. Your monthly rate for Tacoma homeowners insurance may therefore be higher or lower than this average.
- Homeowners in Tacoma have a significant risk of damage caused by severe storms. These storms can form in the Pacific Ocean and often bring damaging winds, rain, and lightning to the area. Fortunately, storm damage is covered by your homeowners insurance. However, if torrential rains cause flash flooding, this damage is not covered by homeowners insurance. For this, you will need supplemental coverage with a flood insurance policy.
- $80
- Vancouver, WA Monthly average home insurance cost
- The average monthly cost of home insurance in Vancouver is $80.
- Homeowners insurance rates in can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, your claims history, and in some cases even your credit score.
- One of the most expensive hazards faced by homeowners in Vancouver is that of landslide and mudslide damage. When heavy rains fall or winter snows melt, mudslides and landslides can plague this state. If your home is damaged due to earth movement, however, your homeowners insurance will not cover the damage. For this you will need a supplementary landslide insurance policy. Sometimes this is offered as a rider on your home policy, but at other times you will need to buy a stand-alone policy.
- $70
- Bellevue, WA Monthly average home insurance cost
- The average monthly cost of home insurance in Bellevue is $70.
- Home values are high in Bellevue, but the houses are small for their price. This is one of the reasons that homeowners insurance rates in this city are lower than expected. Not all Bellevue homeowners will pay the same average rate for their insurance coverage. Your monthly rate is based on the crime and weather risks in your ZIP code, the size and value of your home, the building materials used in your home’s construction, your claims history, and more.
- Severe storms can be a problem in Bellevue. Whether your home is damaged due to a lightning strike, an uprooted tree, or high winds, when you have a solid Bellevue homeowners insurance policy, you can rest assured that your property can be returned to normal without you facing a large personal expense.