Average homeowners insurance cost in Washington, D.C.

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In Washington, homeowners pay an average annual rate of $1,327 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,177 less than the national average of $2,504 .

Homeowners insurance rates change from one home to another. The home insurance premium in Washington depends on various factors, such as:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Washington, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Washington.

Key Takeaways

The cost of your homeowners insurance policy in Washington can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Washington with an average annual premium of $1,311 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $357 more annually for home insurance.

Average homeowners insurance cost per month

Residents of Washington pay an average of $111 per month for homeowners insurance. This is same as the state average of $111 and $98 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Washington can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Washington, DC, homeowners pay an average of $970 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, resulting in costlier 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

Homeowners in Washington typically pay an average of $1,327 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $357 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Washington by company

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Washington, offering an average annual rate of $1,311 , while Nationwide ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Washington and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Washington and what you can expect to pay with each one on average.

Home Insurance Company	Annual rate
Allstate	$1,311
Nationwide	$1,328
State Farm	$1,418
Chubb Ltd	$1,435
USAA*	$1,076

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Washington 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.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.