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The Best Homeowners Insurance Companies in Washington

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    Homeowners in the Pacific Northwest want the best possible homeowners insurance policy for a reasonable price. Based on our assessment after evaluating a wide array of Washington homeowners insurance companies, we have determined that Travelers, USAA, and Pemco offer the best options to homeowners. These carriers offer a wide array of coverage options and discounts, as well as high financial strength and customer satisfaction ratings.

    To create this list, we identified the largest Washington home insurance companies by market share. Specifically, we reviewed 12 homeowners insurance companies and narrowed down the list to what we believe are the three best homeowners insurance companies in Washington State based on coverages, discounts, and average annual rates from Coverage.com.

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

    The Best Homeowners Insurance Companies in Washington

    Compare Washington’s Best Insurance Companies

    Insurance CompanyAverage Annual PremiumAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Travelers $572.50A++800/1,000
    USAA$660A++882/1,000*
    Pemco$628B++N/A

    *Not officially ranked with J.D. Power due to eligibility restrictions

    Travelers

    Travelers is a national insurance company with low average home insurance premiums and good discounts.

    Most User Friendly

    Why we chose it

    In addition to its affordable policies and range of discounts, Travelers has a mobile app that policyholders can use to file a claim, manage their policies, make payments, access virtual ID cards, and more. Although J.D. Power ranks it below average for customer service, the company has more than 700 local agents in Washington, so you are sure to find someone to work with wherever you are.
    • $875 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 800* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    In addition to its affordable policies and range of discounts, Travelers has a mobile app that policyholders can use to file a claim, manage their policies, make payments, access virtual ID cards, and more. Although J.D. Power ranks it below average for customer service, the company has more than 700 local agents in Washington, so you are sure to find someone to work with wherever you are.

    Pros

    • Affordable prices
    • Mobile app and online tools
    • Add-on coverages

    Cons

    • Average customer service ratings
    Read More

    Discounts available

    • Homebuyer discount
    • Loss-free discount
      • Green home discount

    Unique features

    If you’re buying a new home, you can use Travelers’ OpenHouse app to get free insights into the home’s history of renovations and claims.

    *J.D. Power 2021 Home Insurance Customer Satisfaction Survey

    Further Reading on Travelers:

    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.

    Best for Military Families

    Why we chose it

    Its highly rated customer service combined with impressive financial rankings makes USAA a clear candidate for one of the best homeowners insurance providers in Washington. However, a drawback is that the carrier has membership restrictions.
    • $1,193 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 882* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Its highly rated customer service combined with impressive financial rankings makes USAA a clear candidate for one of the best homeowners insurance providers in Washington. However, a drawback is that the carrier has membership restrictions.

    Pros

    • Extensive coverage options
    • Online tools and mobile app
    • Customer service

    Cons

    • Only available to military members and their families
    • Prices are higher than average
    Read More

    Discounts available

    • Protective device credit
    • Claims-free discount
    • Multi-policy

    Unique features

    USAA’s customer service experience extends to educational opportunities – its home learning center has a library of informational articles related to home insurance buying.

    *J.D. Power 2021 Home Insurance Customer Satisfaction Survey

    Further Reading on USAA:

    Pemco

    Pemco is local to the Pacific Northwest, with agents in Washington and Oregon. It offers a range of discounts and bundling policies.

    Best Local PNW Company

    Why we chose it

    Since it is a regional insurance provider based in the Pacific Northwest, Pemco offers local experience and expertise for homeowners in Washington. Its homeowners coverage meets basic needs, but may not be as extensive as other providers. It does, however, offer a good range of discounts that may save the homeowner money.
    • $422 Average Premium Pricing data comes from our partners at Coverage.com.
    • B++ (Good) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Since it is a regional insurance provider based in the Pacific Northwest, Pemco offers local experience and expertise for homeowners in Washington. Its homeowners coverage meets basic needs, but may not be as extensive as other providers. It does, however, offer a good range of discounts that may save the homeowner money.

    Pros

    • Discounts
    • Online resources
    • Affordable prices

    Cons

    • Average coverage options
    Read More

    Available discounts

    • Educator discount
    • Protection device discount
    • Sprinkler discount
    • Claims-free discount
    • Fire-resistive construction discount

    Unique features

    Pemco has an online resources center which includes articles on how to protect your home from common damages and how to choose a contractor for home repairs.

    Average Cost of Homeowners Insurance in Washington

    According to average annual rates from Coverage.com, the average cost of home insurance in Washington is $1,149 for $200,000 in dwelling coverage. This state average is a good bit lower than the national average of $1,580 per year. However, this rate is likely to vary based on the age of the home and homeowners as well as the city in which they reside. Seattle home insurance cost, for example, may be different from that of someone insuring a home in 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. 

    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.

    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.

    The Cheapest Homeowner Insurance Companies in Washington

    CompaniesAverage Annual Premium for $200K Dwelling Coverage
    PEMCO$422
    Mutual of Enumclaw $539
    Grange$555
    Nationwide $613
    Oregon Mutual$802
    Travelers$875
    Privilege Underwriters Reciprocal Exchange (PURE)$1,130
    USAA$1,193
    State Farm $1,264
    Farmers$1,349
    Allstate$1,393
    Chubb $1,893

    Top 3 Cheapest Homeowners Insurance Companies in Washington 

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

    Top 3 Most Expensive Homeowners Insurance Companies in Washington

    • Chubb – $1,893
    • USAA – $1,478
    • Allstate – $1,393

    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. 

    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.

    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. 

    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.
    • 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 are based on quoted annual premiums from Coverage.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

    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).

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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