Average homeowners insurance cost in Seattle, WA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Seattle is $1,466 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,116 less than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Seattle depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Nationwide is the cheapest homeowners insurance company in Seattle with an average annual premium of $1,466 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Seattle. Keep reading to learn about the monthly cost of homeowners insurance in Seattle, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Seattle.

Key takeaways

The average cost of homeowners insurance in Seattle is $1,466 per year.
Nationwide is the cheapest homeowners insurance company in Seattle with an average annual premium of $930.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $318 more a year for home insurance.

Average homeowners insurance cost in Seattle per month

Residents of Seattle pay an average of $122 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $11 less than the state average of $133 and $93 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Seattle may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Seattle

In Seattle, WA, homeowners pay an average of $1,148 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Seattle

As per rate analysis by Insure.com, homeowners residing in Seattle typically pay an average of $1,466 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $318 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Seattle by Company

Among the carriers analyzed, Nationwide is the cheapest homeowners insurance company in Seattle. It’s average annual rate for Seattle homeowners is $930. PEMCO ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $1,116.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Seattle and prepared a list of the cheapest home insurance providers. You can find below the Seattle home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Nationwide	$930
PEMCO	$984
Allstate	$1,116
Farmers	$1,419
State Farm	$1,344
USAA*	$2,165

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Seattle for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.