Homeowners in the Pacific Northwest want the best possible homeowners insurance policy for a reasonable price. Drawing on independent benchmarks and state-specific market context, our Washington shortlist focuses on carriers that pair strong financial strength with solid service signals and local availability. National satisfaction leaders in the most recent J.D. Power 2024 U.S. Home Insurance Study include Amica Mutual, Erie Insurance, Auto-Owners Insurance, and COUNTRY Financial (USAA typically scores very high but is not rank-eligible). In Washington, we highlight Travelers, USAA (if eligible), and Pemco for their mix of coverage options, discounts, and market presence. Keep in mind that the largest homeowners writers by market share nationally are State Farm, Allstate, USAA, Liberty Mutual, Farmers, and Travelers, per NAIC market share reports; size reflects availability but not necessarily satisfaction.

To create this list, we reviewed a dozen widely available Washington home insurance companies and compared coverage features and discount structures, triangulating service indicators from the 2024 J.D. Power Home Insurance Study, NAIC Complaint Index (aim for <1.00), and AM Best Financial Strength Ratings. For pricing context, we reference verified averages from the NAIC/III and current 2025 quote-based studies (see the Average Cost section). Availability and underwriting are evolving in parts of Washington’s wildfire-exposed areas; the Washington OIC’s wildfire guidance and the state’s FAIR Plan provide backstops and consumer assistance where standard-market options tighten.

For even more options, you can also check our national list of the best homeowners insurance.

The Best Homeowners Insurance Companies in Washington

• Travelers
• USAA
• Pemco

Compare Washington’s Best Insurance Companies

*USAA results are typically displayed but excluded from rank order due to eligibility limits per the 2024 J.D. Power U.S. Home Insurance Study

Travelers

Travelers is a national insurance company with low average home insurance premiums and good discounts. Review satisfaction context in the 2024 J.D. Power Home Insurance Study and validate complaint experience via the NAIC Complaint Index (target <1.00 where possible).

Reference: J.D. Power 2024 U.S. Home Insurance Study and 2024 U.S. Property Claims Satisfaction Study

Further Reading on Travelers:

• Travelers Auto Insurance Review

USAA

USAA is recognized by third party sources as one of the top insurance companies in the country for its excellent customer service and personalized coverage options. Although, it usually does not fall within an official ranking due to its eligibility restrictions. For current satisfaction benchmarks, see the 2024 J.D. Power Home Insurance Study (USAA shown but not rank-eligible) and validate recent complaint experience in Washington via the NAIC Complaint Index.

*Reference: J.D. Power 2024 U.S. Home Insurance Study

Further Reading on USAA:

• USAA Auto Insurance Review

Pemco

Pemco is local to the Pacific Northwest, with agents in Washington and Oregon. It offers a range of discounts and bundling policies. As a regional carrier, validate financial strength and recent complaint ratios using the NAIC Complaint Index (look for <1.00) and AM Best.

Average Cost of Homeowners Insurance in Washington

Authoritative averages from the National Association of Insurance Commissioners show Washington’s typical homeowners expenditure in 2022 was in the low-$1,200s, compared with roughly the low-$1,400s for the U.S. as a whole (III/NAIC; see the NAIC Homeowners Insurance Report at NAIC). More current 2025 quote-based studies commonly place a standard Washington policy in the low-to-mid $1,000s annually, while national estimates are often mid-$1,700s to low-$2,000s depending on coverage assumptions (Bankrate; NerdWallet). Premiums have risen since 2021 amid construction-cost inflation and catastrophe losses; the BLS household insurance CPI confirms sustained increases (BLS CPI). Your price will vary by home characteristics and location (for example, Seattle vs. Winthrop or Quincy).

Home Insurance Add-Ons That May Further Protect You

Washington homeowners will want to prepare for weather-related eventualities. Certain parts of the state are more prone to heavy snow, while others may be subject to forest and wildfire danger. Pair core policies with endorsements that close common gaps: extended or guaranteed replacement cost, ordinance or law (building code upgrades), water/sewer backup, service line, and equipment breakdown. In wildfire-exposed areas, combine coverage with home-hardening and defensible space per standards from IBHS Wildfire Prepared Home and state guidance from the Washington OIC.

In areas of the state that have heavy rains, homeowners may want to consider flood insurance. It’s relatively easy to purchase a flood insurance policy through the National Flood Insurance Program (NFIP). Your private insurer may also be able to help you purchase a flood insurance policy. Standard homeowners policies exclude flood; NFIP residential limits are up to $250,000 for the building and $100,000 for contents, there is no Additional Living Expenses coverage, and new policies typically have a 30‑day waiting period. Under FEMA’s Risk Rating 2.0, most annual premium increases for renewals are capped (generally up to 18%). See NFIP Summary of Coverage and Risk Rating 2.0, and the OIC’s flood insurance page.

Additionally, Washington homeowners in the central and eastern parts of the state have had to deal with increasing fire dangers in recent years. If you live in these areas, you may want to review your policy and check that your coverage includes adequate replacement coverage in case of fire. Review extended replacement cost, ordinance or law, debris removal/landscaping sublimits, and adequate loss of use duration (12–24 months). For mitigation and availability guidance, see the OIC’s page on wildfires and insurance and IBHS’s Wildfire Prepared Home.

The Cheapest Homeowner Insurance Companies in Washington (historical sample figures; see Methodology)

Top 3 Cheapest Homeowners Insurance Companies in Washington (historical sample; for context only)

• PEMCO – $422
• Mutual of Enumclaw – $539
• Grange – $555

Top 3 Most Expensive Homeowners Insurance Companies in Washington (historical sample; for context only)

• Chubb – $1,893
• Allstate – $1,393
• Farmers – $1,349

Helpful Resources for Washington Homeowners

The Office of the Insurance Commissioner for Washington State has a number of helpful resources for those interested in buying homeowners insurance. There are articles that explain how home insurance works, how to get earthquake and flood coverage, how to file a claim and more. You can also review wildfire-readiness and availability guidance (wildfires and insurance), consider last-resort options via the Washington FAIR Plan, understand how credit scores affect insurance, and compare NAIC Complaint Index results by company.

Mortgage assistance, education, and other resources are available at the Washington state Department of Financial Institutions website. You can also find a wealth of resources related to buying and maintaining a home at the Washington Homeownership Resource Center. Note: There have been no sweeping new Washington statutes in the past year that directly change how homeowners insurance is priced or underwritten; existing consumer protections on cancellation/nonrenewal remain in effect, and wildfire resilience efforts continue through WUI and mitigation programs (see WUI resources).

Homeowners Insurance FAQ 

Methodology

We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. Our analysis incorporates current benchmarks like the 2021 J.D. Power Home Insurance Study (latest edition used), the NAIC Complaint Index (aim for <1.00), and AM Best Financial Strength Ratings. We also considered Washington-specific market context from the OIC’s wildfire guidance and availability via the FAIR Plan.

To compare home insurance companies across the board, we considered the following factors:

• Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using 2021 J.D. Power Home Insurance Study ratings and J.D. Power’s claims study.
• Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
• Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
• Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

Rates referenced in the Cheapest/Most Expensive sections are historical samples and should be used for comparative context only. For today’s pricing, pair verified averages from III/NAIC (2022) with current 2025 rate studies (Bankrate; NerdWallet) and note that the BLS household insurance CPI shows sustained premium inflation since 2021. Washington remains below the national average in the latest NAIC dataset.

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $200,000
• Coverage B, Other Structures: $0
• Coverage C, Personal Property: $100,000
• Coverage D, Loss of Use: $40,000
• Coverage E, Liability: $250,000
• Coverage F, Medical Payments: $1,500

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Keep Reading

Guide to Homeowners Insurance Coverage

Homeowners Insurance Buyer’s Guide

The Best Companies for Bundling Home and Auto Insurance in 2025