Finding the best homeowners insurance policy for your home can be a lengthy process. Our team has extensively researched the insurance options in Washington to give you a comprehensive view of what’s available, what’s affordable, and who has the most stable policies. We’ve got you covered so you can be covered.

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The Best Homeowners Insurance in Washington

Freshome’s Recommended Homeowners Insurance Companies in Washington:State FarmAmicaLiberty MutualFarmersNationwideUSAA

Devastating scenarios can strike your home at any moment; knowing your insurance company has your back can give you peace of mind.  We’ve gathered quotes from three insurance companies and asked several Washington-area experts about some of the challenges that come along with finding the right policy for your home.

We also scoured numerous sites for information on customer reviews. We wanted to know which companies had the highest marks for customer satisfaction, and which companies came highly recommended by Washingtonians.

We used information services firm J.D. Power as a barometer to determine if an insurance company was reputable and performed to a certain standard. The companies we received quotes from all met our strict criteria:

  • A high financial strength rating from Moody’s and/or Standard & Poor’s
  • An A.M Best Financial Strength Rating of B+ or more
  • A JD Power Overall Satisfaction rating of three stars or more

In order to find a quote, we needed a house. So we looked to the inner Seattle area and found an average home that cost $375,000. The house is a one-story, Cape Cod-style home with two people over the age of 18 living there, with no prior damage to the home. Our fictitious homeowner was a first-time home buyer who recently moved in April 2016.

Our Quotes
Liberty Mutual $972 Per Year
Amica $1,298 Per Year
State Farm $1,351 Per Year

Our quotes were for an HO3 policy — our recommendation for homeowners. An HO3 policy offers an umbrella-like policy that covers a long list of natural disasters and various catastrophes. Under an HO3 policy, your property is protected under an “open perils” policy. “Perils” is insurance industry slang for what’s covered in a property policy. With an open perils policy, your property is protected by any event except those specifically listed as exclusions. An HO3 policy is the best way to avoid being blindsided by a catastrophic event for which you’re not covered.


Before we dive in, remember that quotes vary based on your home’s specific features and location. So the policy that was cheapest for our fictitious homeowner might not be the best policy for you.

Amica offers a robust policy. Though its headquarters are located in Rhode Island, it serves a number of western states and is widely known as a reputable company. We found that Amica had a comprehensive policy available for those looking for an HO3 option. They also had high marks in customer satisfaction. It was also easier to apply for a quote online through Amica than any of its competitors. For homeowners in Seattle, one of Amica’s best perks was its flood protection — homeowners located in flood-prone areas will appreciate the extra coverage.

State Farm

Gabrielle Lupton, an insurance agent based in Washington, highly recommends State Farm. “State Farm is one of the largest providers and has a lot of great tools to help not only calculate how much insurance you need, but their HomeIndex® Home Inventory Tool is great for taking inventory of all your personal valuables when you need to process your claim quickly.”

State Farm also offers the second-lowest premium out of the big insurance companies we considered. Overall, it seems to provide a better customer experience for homeowners than some of the regional options.

Liberty Mutual

Liberty Mutual offered the lowest premium. As the second-largest insurer in the US, the company is a favorite choice among homeowners. While the customer satisfaction rate is not as high as either State Farm’s or Amica’s, Liberty Mutual’s low prices and excellent coverage options make it a good choice for those looking to insure their home.

Farmer’s Insurance

Farmer’s Insurance is known for being incredibly affordable and has very few customer complaints. Farmer’s Insurance efficiently covers both rural and urban areas. This means that whether you are in the heart of Seattle or a remote area of southeastern Washington, you’re likely to get a quote that accurately represents the different risks that your home may be exposed to.


Nationwide’s financial strength rating was an impressive A+. It also received a rating of 7.8 out of 10 in terms of customer satisfaction from This was much higher than the average. Discounts were also available to those who had purchased a new home or recently completed renovations. also thinks highly of Nationwide — it gives the company an overall raring of 91, taking into account customer complaints and financial strength.


USAA was one of the top choices we came across, especially in terms of affordability, financial strength, and overall customer satisfaction. Not only did it provide a solid HO3 policy, but it also offered plenty of perks for those signing up for multiple policies. Most of all, it had the highest financial strength rating and it was incredibly easy to navigate their website. After all, if and when you do have to file a claim, you want a company that makes the process easy and can pay out.

What You Should Know Before Getting a Quote

There is no one-size-fits-all solution when selecting the homeowners insurance policy right for.  Be sure to take some time and gather quotes from as many companies as possible to compare pricing, customer service, and coverage plans.

Before you apply for a quote, there is some basic information you’ll need to know, such as:

  • Square footage of your home
  • Construction details (materials, roof age, year of construction, etc.)
  • Any homeowners claims you’ve made in the past five years
  • Your pets
  • Recent renovations details
  • Whether your home has been previously insured

Talking to an agent may help you make a decision, but insurance agent Gabrielle Lupton warns potential buyers to be cautious about the agent they choose. “Don’t let insurance agents talk you into things you don’t need. Because homeowners insurance can be such a tricky world, often homeowners — especially those new to ownership — get intimidated by the all the confusing jargon and get into expensive policies they truly don’t need. Insurance is a highly competitive industry so make the agent work for you!”

You’ll also need to take into consideration what specific needs your home may have. Depending on where you live, how far you are from a fire hydrant, and the type of building materials your home is made of, prices can greatly vary among companies. Sometimes, regional companies can offer greater benefits and their agents have a deeper understanding of a specific area, so don’t dismiss smaller companies entirely.

For our fellow Washingtonians, our experts recommend an HO3, HO5, or HO8 policy, depending on common disasters specific to where you live, such as flooding and weather-related incidents. Most policies do not specifically cover flooding; keep in mind that in some areas you may be required to purchase additional flood insurance.

Before you talk to an agent or go looking for some policies on your own, you’ll want to put together a list of specific aspects of your home that might be considered when you’re looking at policies. If you home has fire extinguishers and smoke detectors, make sure to include those as assets. It’s often the little things that add up to lessen the rate of your quote and to help you save a few dollars.

Why Are Washington’s Rates So Average?

The Evergreen State has pretty average homeowners insurance rates compared to the rest of the US. In certain areas of the state, the average can be as low as $645 per year or as high as $1,383 per year. When it’s averaged out, Washingtonians pay about $990 per year, compared to $1,096 per year for homeowners insurance nationwide. “This number is a good thing to keep in mind as your work through different agents to get the best rates,” said Lupton.

One of the main reasons Washington’s insurance policies are so affordable is the fact that many perceive Washington to have low crime rates and, even more importantly, to be in an areas where few natural disasters occur. Most of the cheapest rates by state are located in the Pacific Northwest region of the country. says, “The five cheapest states are all great places to live if you want to avoid things like earthquakes, hurricanes, tornadoes, and other natural disasters. Four of those states are in the western half of the US (with three being in the Northwest corner).”

Another reason might be because Washington’s crime rate is surprisingly low, even though the state is home to a major city like Seattle. Low crime rates translate to lower policy rates, which makes it possible for homeowners to find reasonable homeowners insurance plans even within Seattle’s metropolitan area. Thankfully, Washington has low rates of murder, robbery, and property crimes, all of which can jack up the cost of homeowners insurance.

Keep in mind that even though Washington’s rates generally are generally on par with the national average, the price varies by location.

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What are common coverage gaps?

A few common coverage gaps in an HO3 policy include water damage caused by sewer backups or slow leaking, as well as flooding damage. You can add an additional premium to your policy to cover these gaps.

Coverage gaps can also occur when you let a few years go by without updating your homeowners insurance policy. It’s a good idea to review your coverage every single year, especially if you’ve done any renovations.

It’s also worth it to increase your policy if you have purchased any expensive items. High-value items — such as art, high-quality furniture, valuable electronics, or jewelry — will require an increased amount of coverage.

Liability insurance is another thing to think about when you are reevaluating your policy. If you don’t have it, you’ll probably want to add it. Liability insurance covers the medical bills in the event that someone gets injured on your property. If your dog bites a neighbor, or your son’s friend breaks his leg in your backyard, you’ll want this crucial form of coverage.

What about flood insurance?

Although there are few natural disasters in Washington, flooding is one that can bankrupt you if you’re not covered. Experts like Lupton agree that you should at least consider flood insurance when looking into policies.

If you live anywhere near a body of water (or have had issues with flooding in the past), it’s well worth your time to talk to an agent about adding flood protection. Lupton says, “In Washington state, adding additional flood insurance might be beneficial depending on location since flooding is not included in most policies. Another additional coverage that homeowners in Washington might consider is a watercraft endorsement which would cover small sailboats or motorboats.”

If you need flood insurance, you’ll likely have to purchase it separately from an agent working with the the National Flood Insurance Program.

Should I consider package insurance options?

Homeowners insurance plans in Washington often come with discounts if you bundle it with your auto and life insurance. Lupton suggests talking to an agent and seeing which deals are available online when you get your initial quote. You can end up saving a hefty amount of money. Plus, it may be more convenient to have all your policies housed with one company.

Take Action

No two homes are the same, which is why we recommend that homeowners take plenty of time to find the best policy suited to your home’s individual needs. While regional companies can often serve local areas well, some of the larger companies offer better policies and more security.

Remember to gather up the necessary information about your home before applying for quotes and apply for as many quotes as you can. Find an agent who’s transparent in explaining exactly what your policy covers and reevaluate your policy each year to look for coverage gaps.
Freshome’s Recommended Homeowners Insurance Companies in Washington:State FarmAmicaLiberty MutualFarmersNationwideUSAA

Compare Homeowners Insurance Rates

To quickly find and compare rates in your area, enter your ZIP code below.

Enter Your ZIP Code: