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The Best Homeowners Insurance Companies in Washington

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    After evaluating a wide array of insurance providers, we have determined that Travelers, USAA, Pemco and Encompass are the best homeowners insurance companies in Washington because of their coverage offerings, discounts, and customer support.

    To create this list, we found the largest Washington home insurance companies and evaluated each by their average price, policy offerings, financial strength, discounts and customer service. Specifically, we looked at 15 different insurance companies and narrowed down the list to include our top four recommendations for the best homeowners insurance Washington. For even more options, you can also check our national list of the best homeowners insurance.

    The Four Best Homeowners Insurance Companies in Washington

    Compare Washington’s Best Insurance Companies

    Insurance CompanyAverage Price AM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Travelers $572.50A++796/1,000
    USAA$660A++878/1,000
    Pemco$628B++N/A
    Encompass$665A+N/A

    Travelers

    Travelers is a popular insurance company known for offering affordable home insurance premiums and good discounts.

    Travelers

    Most Affordable

    Why we chose it

    In addition to their affordable plans and range of discounts, Travelers is very user friendly and has a mobile app that customers can use to file a claim, manage their policy, make a payment, access virtual ID cards and more.
    • 4.25 Reviews Score
    • A++ 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.
    • 796* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    In addition to their affordable plans and range of discounts, Travelers is very user friendly and has a mobile app that customers can use to file a claim, manage their policy, make a payment, access virtual ID cards and more.

    Pros

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

    Cons

    • Average customer service
    Read More

    Discounts available

    • Homebuyer discount
    • Loss-free discount
      • Protective device 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 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Travelers:

    USAA

    USAA is recognized as one of the top insurance companies in the country for its excellent customer service and personalized coverage options.

    USAA

    Best for Military Families

    Why we chose it

    Their highly rated customer service combined with their impressive financial rankings makes USAA a clear candidate for one of the best homeowners insurance providers in Washington. Their only drawback is that they are not available to civilian families.
    • 4 Reviews Score
    • A++ 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.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Their highly rated customer service combined with their impressive financial rankings makes USAA a clear candidate for one of the best homeowners insurance providers in Washington. Their only drawback is that they are not available to civilian families.

    Pros

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

    Cons

    • Only available to military members and families
    Read More

    Discounts available

    • Protective device credit
    • Claims-free discount
    • Consider your deductible

    Unique features

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

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on USAA:

    Pemco

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

    Pemco Home Insurance

    Best Local PNW Company

    Why we chose it

    Since they are a regional insurance provider based in the Pacific Northwest, Pemco offers local experience and expertise for homeowners in Washington. Their homeowners coverage meets basic needs, but may not be as extensive as other providers.
    • N/A Reviews Score
    • B++ 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 they are a regional insurance provider based in the Pacific Northwest, Pemco offers local experience and expertise for homeowners in Washington. Their homeowners coverage meets basic needs, but may not be as extensive as other providers.

    Pros

    • Discounts
    • Online resources

    Cons

    • Average coverage options
    Read More

    Available discounts

    • Educator discount
    • Protection device discount
    • Sprinkler discount

    Unique features

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

    Encompass

    Encompass offers homeowners insurance in three tiers—Elite, Deluxe and Special. This tiered system allows customers to choose a coverage policy that meets their needs and fits within their budget.

    Encompass

    Most Customizable

    Why we chose it

    In addition to their range of insurance plans, Encompass insurance allows customers to choose a variety of coverages for added protection. Their plans are easy to customize, but they may be on the expensive side.
    • N/A Reviews Score
    • A+ 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

    In addition to their range of insurance plans, Encompass insurance allows customers to choose a variety of coverages for added protection. Their plans are easy to customize, but they may be on the expensive side.

    Pros

    • Tiered coverage options
    • Add-on coverages

    Cons

    • More expensive premiums
    • Few discounts
    Read More

    Available discounts

    • Claim-free discount
    • Dwelling age discount
    • Renovation discount

    Unique features

    Encompass offers added protections, including enhanced replacement cost coverage, water backup coverage, increased building costs, mortgage rate protection and more.

    Average Cost of Homeowners Insurance in Washington

    According to the National Association of Insurance Commissioners (NAIC), the average cost of Washington homeowners insurance is around $822 per year. This state average is considerably lower than the national average of $1,211 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. 

    Home Insurance Add-Ons That Will Further Protect You

    Although the climate in Washington tends to be moderate, homeowners will want to prepare for some weather-related eventualities. Certain parts of the state are more prone to flooding, 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. 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

    Largest Companies by Market Share in WashingtonAverage Annual Premium
    Nationwide$359
    Grange $484
    Travelers$572.50
    Pemco $628
    Garrison Property and Casualty$655
    USAA$660
    Encompass$665
    Oregon Mutual $703
    Metropolitan$893.33
    State Farm$984
    Farmers$1,006.66
    Privilege Underwriters Reciprocal Exchange$1,056
    First Liberty $1,104
    Chubb$1,147.25
    Foremost $2,072
    Average annual premium across companies$865

    Cost of Homeowners Insurance by Age of Home

    Age of Home (years)Sample Annual Premium
    5 years$862
    20 years
    $1,118
    35 years$1,114
    50 years$1,102
    Average annual premium across ages$1049

    Top 3 Cheapest Homeowners Insurance Companies in Washington 

    • Nationwide – $359
    • Grange – $484
    • Travelers – $572.50

    Top 3 Most Expensive Homeowners Insurance Companies in Washington

    • Foremost – $2,072
    • Chubb – $1,147.25
    • First Liberty – $1,104

    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. 

    Homeowners Insurance FAQ 

    Is homeowners insurance required in Washington?

    No, homeowners insurance is not legally required in Washington. However, if you take out a mortgage on your home, your lender will most likely require you to have a minimum amount of insurance before they approve your loan. 

    What is the cheapest homeowners insurance in Washington?

    Based on the sample quotes we received from the companies on our list, the cheapest home insurance provider in Washington is Nationwide. The average annual premium from Nationwide costs $359 on average. The second least expensive home insurance company is Grange Insurance, with an average annual rate of $484. Insurance companies consider several factors to determine how much you’ll pay for homeowners insurance, including your credit score, where the house is located, and whether you’ve had recent insurance claims. The best way to know which is the cheapest option for you is to get quotes from different companies and compare them.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best companies. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using JD Power Homeowners Satisfaction ratings.
    • Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available. 
    • Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best.
    • 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.

    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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