Finding the cheapest home insurance in District of Columbia requires getting quotes from multiple home insurance companies.
Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.
We found that USAA has the cheapest homeowners insurance rates in District of Columbia with an average annual premium of $805 or $67 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.
Let’s take a look at the cheapest homeowners insurance in District of Columbia and how to find the best home insurance rates.
Cheap homeowners insurance companies in District of Columbia
Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in District of Columbia?
USAA, Great Northern Insurance and Allstate are the cheapest homeowners insurance companies in District of Columbia, on average.
Here are average District of Columbia homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.
|Company||Average annual premium||Average monthly premium|
|Great Northern Insurance||$1,029||$86|
|Standard Fire Insurance||$1,519||$127|
Compare cheap homeowners insurance in District of Columbia by ratings
It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in District of Columbia based on J.D. power score and AM Best ratings that help you to choose the best among the options available.
|Company||J.D. Power score||AM Best rating|
How much is home insurance in District of Columbia
The average cost of homeowners insurance in District of Columbia is $1,488 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average District of Columbia home insurance costs are $817 less than the national average.
|Average annual premium||Average monthly premium|
Multiple factors play a role in homeowners insurance cost, including:
- Location, including ZIP code
- Level of coverage
- Home construction and age
- Your claims history
- Your home’s claims history
- The area’s claims history
- Credit history
Cheapest homeowners insurance in District of Columbia by ZIP code
20024 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,479 per year, which is $123 per month. Here are how District of Columbia cities rank for average home insurance rates:
|ZIP code||Average annual premium||Average monthly premium|