{"id":325163,"date":"2025-11-10T16:46:04","date_gmt":"2025-11-10T21:46:04","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96132"},"modified":"2025-11-10T16:46:04","modified_gmt":"2025-11-10T21:46:04","slug":"best-in-washington","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-washington\/","title":{"rendered":"Best Homeowners Insurance Companies in Washington"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Best Homeowners Insurance Companies in Washington Review\"><\/span>\n    \n\n\n<p>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 <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2024 U.S. Home Insurance Study<\/a> 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 <a href=\"https:\/\/content.naic.org\">NAIC market share reports<\/a>; size reflects availability but not necessarily satisfaction.<\/p>\n\n\n\n<p>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 <a href=\"https:\/\/www.jdpower.com\">2024 J.D. Power Home Insurance Study<\/a>, <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a> (aim for &lt;1.00), and <a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">AM Best<\/a> 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\u2019s wildfire-exposed areas; the <a href=\"https:\/\/www.insurance.wa.gov\">Washington OIC\u2019s wildfire guidance<\/a> and the state\u2019s <a href=\"https:\/\/www.insurance.wa.gov\">FAIR Plan<\/a> provide backstops and consumer assistance where standard-market options tighten.<\/p>\n\n\n\n<p>For even more options, you can also check our <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">national list of the best homeowners insurance<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Best Homeowners Insurance Companies in Washington<\/h2>\n\n\n\n<ul><li><a href=\"#travelers\">Travelers<\/a><\/li><li><a href=\"#usaa\">USAA<\/a><\/li><li><a href=\"#pemco\">Pemco<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Washington\u2019s Best Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Insurance Company<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction<\/strong><\/td><\/tr><tr><td><a class=\"achor-toggles\" href=\"#travelers\">Travelers<\/a>&nbsp;<\/td><td>Varies by profile<\/td><td>A++<\/td><td>See <a href=\"https:\/\/www.jdpower.com\">2024 study<\/a><\/td><\/tr><tr><td><a class=\"achor-toggles\" href=\"#usaa\">USAA<\/a><\/td><td>Varies by profile<\/td><td>A++<\/td><td>Shown but not rank-eligible; see <a href=\"https:\/\/www.jdpower.com\">2024 study<\/a><\/td><\/tr><tr><td><a class=\"achor-toggles\" href=\"#pemco\">Pemco<\/a><\/td><td>Varies by profile<\/td><td>B++<\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*USAA results are typically displayed but excluded from rank order due to eligibility limits per the <a href=\"https:\/\/www.jdpower.com\">2024 J.D. Power U.S. Home Insurance Study<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Most Affordable\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"travelers\">Travelers<\/h2>\n\n\n\n<p>Travelers is a national insurance company with low average <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">home insurance<\/a> premiums and good discounts. Review satisfaction context in the <a href=\"https:\/\/www.jdpower.com\">2024 J.D. Power Home Insurance Study<\/a> and validate complaint experience via the <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a> (target &lt;1.00 where possible).<\/p>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Most User Friendly<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                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. The company offers a statewide agent network \u2014 see <a href=\"https:\/\/agent.travelers.com\/wa\" target=\"_blank\">700 local agents<\/a> \u2014 and you can benchmark overall satisfaction using the <a href=\"https:\/\/www.jdpower.com\">2024 J.D. Power study<\/a> and recent claims experience via J.D. Power\u2019s property claims research.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by profile<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2024 study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                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. The company offers a statewide agent network \u2014 see <a href=\"https:\/\/agent.travelers.com\/wa\" target=\"_blank\">700 local agents<\/a> \u2014 and you can benchmark overall satisfaction using the <a href=\"https:\/\/www.jdpower.com\">2024 J.D. Power study<\/a> and recent claims experience via J.D. Power\u2019s property claims research.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable prices<\/li>\n                            <li>Mobile app and online tools<\/li>\n                            <li>Add-on coverages<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Compare service using J.D. Power and the NAIC Complaint Index<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Homebuyer discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loss-free discount<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Green home discount<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">If you\u2019re buying a new home, you can use Travelers\u2019 OpenHouse app to get insights into the home\u2019s history of renovations and claims. For overall service benchmarks, see <\/span><a href=\"https:\/\/www.jdpower.com\">J.D. Power 2024<\/a><span style=\"font-weight: 400;\"> and validate recent complaints with <\/span><a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a><span style=\"font-weight: 400;\"> results.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>Reference: <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2024 U.S. Home Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\">2024 U.S. Property Claims Satisfaction Study<\/a><\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Travelers:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Military Families\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"usaa\">USAA<\/h2>\n\n\n\n<p>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 <a href=\"https:\/\/www.jdpower.com\">2024 J.D. Power Home Insurance Study<\/a> (USAA shown but not rank-eligible) and validate recent complaint experience in Washington via the <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military Families<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                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 for eligible members. However, a drawback is that the carrier has membership restrictions (active duty, veterans, and eligible family).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by profile<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Shown; not rank-eligible*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                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 for eligible members. However, a drawback is that the carrier has membership restrictions (active duty, veterans, and eligible family).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Extensive coverage options<\/li>\n                            <li>Online tools and mobile app<\/li>\n                            <li>Customer service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to military members and their families<\/li>\n                                    <li>Prices can vary; shop quotes against regional competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protective device credit<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">USAA\u2019s customer service experience extends to educational opportunities \u2013 <\/span><span style=\"font-weight: 400;\">its <\/span><span style=\"font-weight: 400;\">home learning center has a library of informational articles related to home insurance buying.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Reference: <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2024 U.S. Home Insurance Study<\/a><\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on USAA:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best Local PNW Company\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"pemco\">Pemco<\/h2>\n\n\n\n<p>Pemco is local to the Pacific Northwest, with agents in Washington and Oregon. It offers a range of discounts and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\">bundling policies<\/a>. As a regional carrier, validate financial strength and recent complaint ratios using the <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a> (look for &lt;1.00) and AM Best.<\/p>\n\n\n                                                \n\n\n<section id=\"pemco-home-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Pemco Home Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Local PNW Company<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                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 core needs, and shoppers can pair policies with targeted endorsements (e.g., water backup, service line) common in the region\u2019s risk profile.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/pemco.com\/home?rvitemid=343615-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">View Plans<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$422 (historical sample)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">B++ (Good)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                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 core needs, and shoppers can pair policies with targeted endorsements (e.g., water backup, service line) common in the region\u2019s risk profile.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Discounts<\/li>\n                            <li>Online resources <\/li>\n                            <li>Affordable prices<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Coverage breadth varies by policy; compare endorsements<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Educator discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protection device discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sprinkler discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire-resistive construction discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Pemco has an <\/span><span style=\"font-weight: 400;\">online resources center <\/span><span style=\"font-weight: 400;\">which includes articles on how to protect your home from common damages and how to choose a contractor for home repairs.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost1\" title=\"Average Cost of Homeowners Insurance in Washington\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Washington<\/h2>\n\n\n\n<p>Authoritative averages from the National Association of Insurance Commissioners show Washington\u2019s 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 (<a href=\"https:\/\/www.iii.org\/fact-statistic\/average-homeowners-insurance-premiums-by-state\">III\/NAIC<\/a>; see the NAIC Homeowners Insurance Report at <a href=\"https:\/\/content.naic.org\/\">NAIC<\/a>). 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 (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). Premiums have risen since 2021 amid construction-cost inflation and catastrophe losses; the BLS household insurance CPI confirms sustained increases (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEHF\">BLS CPI<\/a>). Your price will vary by home characteristics and location (for example, Seattle vs. Winthrop or Quincy).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Home Insurance Add-Ons That Will Further Protect You\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That May Further Protect You<\/h2>\n\n\n\n<p>Washington homeowners will want to prepare for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-to-protect-your-home-from-extreme-weather\/\">weather-related eventualities<\/a>. Certain parts of the state are more prone to heavy snow, while others may be subject to forest and wildfire danger.&nbsp;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 <a href=\"https:\/\/ibhs.org\/wildfire\/wildfire-prepared-home\/\">IBHS Wildfire Prepared Home<\/a> and state guidance from the <a href=\"https:\/\/www.insurance.wa.gov\">Washington OIC<\/a>.<\/p>\n\n\n\n<p>In areas of the state that have heavy rains, homeowners may want to consider <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flood insurance<\/a>. It\u2019s 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\u2011day waiting period. Under FEMA\u2019s Risk Rating 2.0, most annual premium increases for renewals are capped (generally up to 18%). See <a href=\"https:\/\/www.fema.gov\">NFIP Summary of Coverage<\/a> and <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">Risk Rating 2.0<\/a>, and the OIC\u2019s <a href=\"https:\/\/www.insurance.wa.gov\/flood-insurance\">flood insurance<\/a> page.<\/p>\n\n\n\n<p>Additionally, Washington homeowners in the central and eastern parts of the state have had to deal with <a href=\"https:\/\/www.heraldnet.com\/northwest\/more-evacuations-as-wildfire-in-central-washington-grows\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">increasing fire dangers<\/a> 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\u201324 months). For mitigation and availability guidance, see the OIC\u2019s page on <a href=\"https:\/\/www.insurance.wa.gov\">wildfires and insurance<\/a> and IBHS\u2019s <a href=\"https:\/\/ibhs.org\/wildfire\/wildfire-prepared-home\/\">Wildfire Prepared Home<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap\" title=\"The Cheapest Homeowner Insurance Companies in Washington\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Washington (historical sample figures; see Methodology)<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Companies<\/strong><\/td><td><strong>Average Annual Premium for $200K Dwelling Coverage (historical sample)<\/strong><\/td><\/tr><tr><td>PEMCO<\/td><td>$422<\/td><\/tr><tr><td>Mutual of Enumclaw&nbsp;<\/td><td>$539<\/td><\/tr><tr><td>Grange<\/td><td>$555<\/td><\/tr><tr><td>Nationwide&nbsp;<\/td><td>$613<\/td><\/tr><tr><td>Oregon Mutual<\/td><td>$802<\/td><\/tr><tr><td>Travelers<\/td><td>$875<\/td><\/tr><tr><td>Privilege Underwriters Reciprocal Exchange (PURE)<\/td><td>$1,130<\/td><\/tr><tr><td>USAA<\/td><td>$1,193<\/td><\/tr><tr><td>State Farm&nbsp;<\/td><td>$1,264<\/td><\/tr><tr><td>Farmers<\/td><td>$1,349<\/td><\/tr><tr><td>Allstate<\/td><td>$1,393<\/td><\/tr><tr><td>Chubb&nbsp;<\/td><td>$1,893<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Washington&nbsp;<span style=\"font-weight:400\">(historical sample; for context only)<\/span><\/h2>\n\n\n\n<ul><li>PEMCO \u2013 $422<\/li><li>Mutual of Enumclaw \u2013 $539<\/li><li>Grange \u2013 $555<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Washington <span style=\"font-weight:400\">(historical sample; for context only)<\/span><\/h2>\n\n\n\n<ul><li>Chubb \u2013 $1,893<\/li><li>Allstate \u2013 $1,393<\/li><li>Farmers \u2013 $1,349<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Helpful Resources for Washington Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Washington Homeowners<\/h2>\n\n\n\n<p>The Office of the <a href=\"https:\/\/www.insurance.wa.gov\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Insurance Commissioner<\/a> 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.&nbsp;You can also review wildfire-readiness and availability guidance (<a href=\"https:\/\/www.insurance.wa.gov\">wildfires and insurance<\/a>), consider last-resort options via the <a href=\"https:\/\/www.insurance.wa.gov\">Washington FAIR Plan<\/a>, understand how <a href=\"https:\/\/www.insurance.wa.gov\/credit-scores-and-insurance\">credit scores affect insurance<\/a>, and compare <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a> results by company.<\/p>\n\n\n\n<p>Mortgage assistance, education, and other resources are available at the Washington state <a href=\"https:\/\/dfi.wa.gov\/homeownership\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Department of Financial Institutions<\/a> website. You can also find a wealth of resources related to buying and maintaining a home at the <a href=\"https:\/\/www.homeownership-wa.org\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Washington Homeownership Resource Center<\/a>. 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 <a href=\"https:\/\/www.dnr.wa.gov\">WUI resources<\/a>).<\/p>\n\n\n<div id=\"block_5f5fa206d07e2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_618581ca87b31\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Washington?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners<\/span><span style=\"font-weight: 400;\"> 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<\/span><span style=\"font-weight: 400;\"> have insurance<\/span><span style=\"font-weight: 400;\"> before they approve your loan.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_618581da87b32\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Washington?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on the sample quotes we received from the companies on our list, the cheapest home insurance <\/span><span style=\"font-weight: 400;\">providers in Washington are PEMCO and Mutual of Enumclaw. The average annual premium from PEMCO is $422 for $200,000 in dwelling coverage. The second least expensive home insurance company is Mutual of Enumclaw, with an average annual rate of $539. <\/span><span style=\"font-weight: 400;\">Insurance companies consider several factors to determine how much you\u2019ll pay for homeowners insurance, including where the house is located and whether you\u2019ve had recent insurance claims.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_618581f187b33\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What company has the best homeowners insurance in Washington state?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There&#8217;s no one company that is best for everyone. To find the company that&#8217;s the right fit for you, gather several quotes from among top property insurers and see which company gives you the lowest quote. Also, consider the range of coverage options and customer service offered by each provider.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6185820787b34\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What kind of homeowners insurance do I need in Washington?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">At its most basic, <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\"><span style=\"font-weight: 400;\">your policy will normally include<\/span><\/a><span style=\"font-weight: 400;\"> dwelling coverage, personal property coverage, liability protection in case someone is injured on your property, and additional living expenses, which helps pay for a hotel and other costs if you can&#8217;t stay in your house after it&#8217;s damaged from a covered claim. You may also consider purchasing additional insurance to cover you for flooding, water backup, and other disasters not named in your standard homeowners policy. In Washington, also evaluate earthquake coverage (often a separate endorsement or standalone policy) and wildfire-related limits; see OIC guidance on <\/span><a href=\"https:\/\/www.insurance.wa.gov\/flood-insurance\">flood<\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.insurance.wa.gov\">wildfires and insurance<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>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.&nbsp;Our analysis incorporates current benchmarks like the <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 J.D. Power Home Insurance Study<\/a> (latest edition used), the <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a> (aim for &lt;1.00), and <a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">AM Best<\/a> Financial Strength Ratings. We also considered Washington-specific market context from the <a href=\"https:\/\/www.insurance.wa.gov\">OIC\u2019s wildfire guidance<\/a> and availability via the <a href=\"https:\/\/www.insurance.wa.gov\">FAIR Plan<\/a>.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 J.D. Power Home Insurance Study<\/a> ratings and J.D. Power\u2019s claims study.<\/li><li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li><li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 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.<\/li><li>Customer Experience \u2014 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.<\/li><\/ul>\n\n\n\n<p>Rates referenced in the Cheapest\/Most Expensive sections are historical samples and should be used for comparative context only. For today\u2019s pricing, pair verified averages from <a href=\"https:\/\/www.iii.org\/fact-statistic\/average-homeowners-insurance-premiums-by-state\">III\/NAIC (2022)<\/a> with current 2025 rate studies (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>) and note that the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEHF\">BLS household insurance CPI<\/a> shows sustained premium inflation since 2021. Washington remains below the national average in the latest NAIC dataset.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $200,000<\/li><li>Coverage B, Other Structures: $0<\/li><li>Coverage C, Personal Property: $100,000<\/li><li>Coverage D, Loss of Use: $40,000<\/li><li>Coverage E, Liability: $250,000<\/li><li>Coverage F, Medical Payments: $1,500<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":353757,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[20170],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Washington Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Washington homeowners insurance rates are about $362 lower than the national average of $1,173. 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