Best Washington Homeowners Insurance for 2026
Mutual of Enumclaw is the best homeowners insurance company in Washington, but Grange is the cheapest
- The best homeowners insurance in Washington comes from Mutual of Enumclaw, especially for bundlers.
- Homeowners insurance in Washington costs an average of $1,756 a year for $400,000 worth of dwelling coverage.
- Washington law requires standard homeowners insurance policies to cover wildfire damage, but some carriers are withdrawing from high-risk areas.
Best homeowners insurance in Washington
Mutual of Enumclaw is the best homeowners insurance company in Washington. Both its average home and car insurance rates are lower than most, and bundling gets you extra coverage through its “Members Best” program.
If price is your main concern, consider Grange. It has the lowest home insurance rates in Washington, averaging $1,180 a year. This is about 33% cheaper than the state average.
Military members may want to check out USAA. It offers military-centric benefits including uniform and equipment coverage, on top of an already respectable list of add-ons.
All carriers on this list have fewer complaints than average, according to the National Association of Insurance Commissioners (NAIC).
Best overall: Mutual of Enumclaw
Average annual rate: $1,317
Star rating: N/A
Why we chose it: In Washington, Mutual of Enumclaw has low rates for both home and auto insurance. Bundling comes with extra coverage, like pet injury coverage, key and lock replacement, power outage protection and more. Mutual of Enumclaw also provides excellent customer service, as evidenced by its stellar NAIC complaint score.
Who it’s best for: Mutual of Enumclaw is best for most homeowners, especially those who want to bundle their home and car insurance and prefer working with a local agent.
PROS
- Extra coverage options if you bundle
- Regional company could be more in tune with local needs
- Receives far fewer complaints on average for a company its size
CONS
- Must contact an agent for a quote
- Low mobile app ratings
Best for cheap coverage: Grange
Average annual rate: $1,180
Why we chose it: Grange offers the cheapest homeowners insurance in Washington, with an average annual premium of $1,180. This is about 33% lower than the state average, which is $1,756. Even though Grange’s premiums are low, its policies are highly customizable, with plenty of coverage options.
Who it’s best for: Grange is best for homeowners who prefer working with a local agent and are looking for the most affordable coverage.
PROS
- Cheapest rates in the state
- Offers harder-to-find coverage, like protection against hidden water damage
- Smaller company for more individualized service
CONS
- No online quotes
- Mobile app is poorly rated
Best for military families: USAA
Average annual rate: $1,592
Why we chose it: USAA has served military members and their families since 1922. Its military benefits make it a great choice for those who qualify.
Who it’s best for: Military members and their eligible family members. USAA combines solid homeowners insurance coverage with benefits designed specifically for military households.
PROS
- Understands unique military needs
- Earthquake insurance available
- User-friendly mobile app
CONS
- Only available to military members and eligible family
- Will work with a call center instead of a local agent
Compare home insurance rates and ratings in Washington
The best homeowners insurance isn’t always the cheapest. Price matters, but the right insurer should also offer strong customer service, the coverage options you need and a smooth claims experience.
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Grange | $1,180 | 3/5 | 0.6 |
 | Pemco | $1,228 | N/A | 0.7 |
 | State Farm | $1,303 | 4/5 | 1.4 |
 | Mutual of Enumclaw | $1,317 | N/A | 0.2 |
 | Allstate | $1,526 | 4/5 | 1.2 |
 | Nationwide | $1,784 |  3.5/5 | 1.2 |
 | Farmers | $1,906 | 3.5/5 | 0.7 |
 | PURE | $2,496 | 3/5 | 0.1 |
| USAA* | $1,592 | 4/5 | 0.5 |
Comparing homeowners insurance quotes and features from multiple companies can help you find the best fit for your home and budget.
LendingTree analyzed thousands of quotes from top insurers across Washington to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Washington?
The average cost of home insurance in Washington is $1,756 a year, or $146 a month.
Compared to the rest of the country, Washington’s homeowners insurance rates are low — about 33% lower, to be exact. Nationally, home insurance costs an average of $2,628 a year.
Insurance rates depend on how likely the insurance company thinks you are to make a claim, and if you did, how much that claim could cost. Washington’s lower average rates could be due to its fairly mild weather, although wildfire activity has increased in recent years.
Average home insurance rates by dwelling coverage amount
Dwelling coverage (Coverage A) is the portion of your policy that pays to repair or rebuild your home after a covered claim. Choosing more coverage results in a higher premium.
Your dwelling coverage limit should be enough to cover rebuilding your home in today’s market — not how much the home is worth or how much you paid for it. Insurance companies can help you figure out how much dwelling coverage you need.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Mutual of Enumclaw | $1,004 | $1,317 | $1,766 | $2,350 |
| Grange | $897 | $1,180 | $1,604 | $2,169 |
| USAA* | $1,338 | $1,592 | $1,987 | $2,508 |
| State average | $1,403 | $1,756 | $2,335 | $3,053 |
Home insurance rates in Washington by city
Where you live inside of Washington also has a major impact on how much you pay for homeowners insurance. Every ZIP code has its own unique risks.
Bangor Base and Keyport have the lowest home insurance rates in Washington, averaging $1,545 and $1,547 a year, respectively. Both are on the west side of the mountains, where the weather is milder and wildfire risk is lower. Bangor Base is a naval installation, and Keyport is an unincorporated area about 7 miles away.
The most expensive homeowners insurance in Washington is found in Zillah and Buena — both have an average annual rate of $2,473. These mountain towns are adjacent and have a higher wildfire risk.
| City | Average Rate |
|---|---|
| Aberdeen | $1,661 |
| Acme | $1,622 |
| Addy | $1,890 |
| Adna | $1,692 |
| Ahtanum | $2,149 |
| Airway Heights | $1,795 |
| Albion | $1,835 |
| Alderton | $1,797 |
| Alderwood Manor | $1,635 |
| Algona | $1,742 |
| Allyn | $1,661 |
| Almira | $1,991 |
| Amanda Park | $1,697 |
| Amboy | $1,770 |
| Ames Lake | $1,648 |
| Anacortes | $1,624 |
| Anatone | $1,978 |
| Anderson Island | $1,685 |
| Appleton | $2,105 |
| Ardenvoir | $1,992 |
| Ariel | $1,682 |
| Arlington | $1,731 |
| Arlington Heights | $1,731 |
| Artondale | $1,668 |
| Ashford | $1,842 |
| Asotin | $1,921 |
| Auburn | $1,756 |
| Bainbridge Island | $1,613 |
| Bangor Base | $1,545 |
| Barberton | $1,722 |
| Baring | $1,805 |
| Battle Ground | $1,718 |
| Bay Center | $1,681 |
| Bay View | $1,634 |
| Beaver | $1,631 |
| Belfair | $1,624 |
| Bellevue | $1,665 |
| Bellingham | $1,623 |
| Belmont | $1,970 |
| Benge | $1,987 |
| Benton City | $2,108 |
| Bethel | $1,628 |
| Beverly | $2,022 |
| Bickleton | $1,958 |
| Bingen | $1,865 |
| Birch Bay | $1,624 |
| Black Diamond | $1,717 |
| Blaine | $1,624 |
| Blakely Island | $1,656 |
| Bonney Lake | $1,802 |
| Bothell | $1,682 |
| Bothell East | $1,691 |
| Bothell West | $1,672 |
| Boulevard Park | $1,723 |
| Bow | $1,631 |
| Boyds | $1,885 |
| Bremerton | $1,606 |
| Brewster | $2,173 |
| Bridgeport | $2,247 |
| Brier | $1,635 |
| Brinnon | $1,596 |
| Browns Point | $1,801 |
| Brownstown | $2,092 |
| Brush Prairie | $1,704 |
| Bryn Mawr-Skyway | $1,731 |
| Buckley | $1,836 |
| Bucoda | $1,684 |
| Buena | $2,473 |
| Bunk Foss | $1,754 |
| Burbank | $1,965 |
| Burien | $1,723 |
| Burley | $1,628 |
| Burlington | $1,607 |
| Burton | $1,721 |
| Camano Island | $1,637 |
| Camas | $1,727 |
| Canterwood | $1,673 |
| Canyon Creek | $1,731 |
| Carbonado | $1,848 |
| Carlsborg | $1,565 |
| Carlton | $2,150 |
| Carnation | $1,749 |
| Carrolls | $1,767 |
| Carson | $1,847 |
| Cascade Valley | $1,970 |
| Cashmere | $2,078 |
| Castle Rock | $1,652 |
| Cathcart | $1,715 |
| Cathlamet | $1,658 |
| Cavalero | $1,759 |
| Centerville | $1,977 |
| Central Park | $1,661 |
| Centralia | $1,630 |
| Chain Lake | $1,760 |
| Chattaroy | $1,776 |
| Chehalis | $1,631 |
| Chelan | $2,076 |
| Chelan Falls | $2,024 |
| Cheney | $1,770 |
| Cherry Grove | $1,718 |
| Chewelah | $1,886 |
| Chico | $1,557 |
| Chimacum | $1,597 |
| Chinook | $1,718 |
| Cinebar | $1,680 |
| Clallam Bay | $1,622 |
| Clarkston | $1,906 |
| Clarkston Heights-Vineland | $1,906 |
| Clayton | $1,894 |
| Cle Elum | $2,098 |
| Clear Lake | $1,621 |
| Clearlake | $1,628 |
| Clearview | $1,715 |
| Clinton | $1,608 |
| Clover Creek | $1,799 |
| Clyde Hill | $1,666 |
| Colbert | $1,726 |
| Colfax | $1,860 |
| College Place | $1,864 |
| Colton | $1,883 |
| Colville | $1,858 |
| Conconully | $2,129 |
| Concrete | $1,668 |
| Connell | $1,991 |
| Copalis Beach | $1,651 |
| Copalis Crossing | $1,651 |
| Cosmopolis | $1,679 |
| Cottage Lake | $1,681 |
| Cougar | $1,733 |
| Coulee City | $2,016 |
| Coulee Dam | $2,096 |
| Country Homes | $1,712 |
| Coupeville | $1,582 |
| Covington | $1,735 |
| Cowiche | $2,034 |
| Creston | $1,962 |
| Crocker | $1,823 |
| Curlew | $1,921 |
| Curtis | $1,650 |
| Cusick | $1,860 |
| Custer | $1,621 |
| Dallesport | $1,983 |
| Danville | $1,974 |
| Darrington | $1,698 |
| Davenport | $1,908 |
| Dayton | $1,967 |
| Deer Harbor | $1,564 |
| Deer Park | $1,766 |
| Deming | $1,616 |
| Des Moines | $1,741 |
| Dixie | $1,902 |
| Doty | $1,649 |
| Dryden | $2,192 |
| Duluth | $1,709 |
| DuPont | $1,682 |
| Duvall | $1,726 |
| East Cathlamet | $1,658 |
| East Hill-Meridian | $1,718 |
| East Olympia | $1,700 |
| East Port Orchard | $1,573 |
| East Renton Highlands | $1,679 |
| East Wenatchee | $2,085 |
| Eastgate | $1,645 |
| Eastmont | $1,736 |
| Easton | $2,086 |
| Eastsound | $1,617 |
| Eatonville | $1,827 |
| Edgewood | $1,805 |
| Edmonds | $1,675 |
| Edwall | $1,956 |
| Elbe | $1,870 |
| Electric City | $2,026 |
| Elk | $1,845 |
| Elk Plain | $1,840 |
| Ellensburg | $1,939 |
| Elma | $1,657 |
| Elmer City | $2,063 |
| Eltopia | $1,923 |
| Endicott | $1,974 |
| Entiat | $2,050 |
| Enumclaw | $1,752 |
| Ephrata | $1,979 |
| Erlands Point-Kitsap Lake | $1,617 |
| Esperance | $1,682 |
| Ethel | $1,638 |
| Evans | $1,941 |
| Everett | $1,750 |
| Everson | $1,610 |
| Fairchild AFB | $1,777 |
| Fairfield | $1,736 |
| Fairwood | $1,705 |
| Fall City | $1,743 |
| Farmington | $1,883 |
| Federal Way | $1,739 |
| Felida | $1,727 |
| Fern Prairie | $1,727 |
| Ferndale | $1,612 |
| Fife | $1,823 |
| Fife Heights | $1,812 |
| Finley | $2,008 |
| Fircrest | $1,731 |
| Five Corners | $1,700 |
| Fobes Hill | $1,760 |
| Ford | $1,981 |
| Fords Prairie | $1,630 |
| Forks | $1,605 |
| Fort Lewis | $1,718 |
| Four Lakes | $1,770 |
| Fox Island | $1,699 |
| Frederickson | $1,812 |
| Freeland | $1,616 |
| Friday Harbor | $1,589 |
| Fruitland | $2,018 |
| Galvin | $1,659 |
| Garfield | $1,887 |
| Garrett | $1,881 |
| Geneva | $1,633 |
| George | $2,019 |
| Gifford | $1,930 |
| Gig Harbor | $1,684 |
| Gleed | $2,115 |
| Glenoma | $1,689 |
| Glenwood | $1,893 |
| Gold Bar | $1,749 |
| Goldendale | $1,937 |
| Graham | $1,825 |
| Grand Coulee | $2,078 |
| Grand Mound | $1,679 |
| Grandview | $2,016 |
| Granger | $2,168 |
| Granite Falls | $1,798 |
| Grapeview | $1,667 |
| Grayland | $1,670 |
| Grays River | $1,702 |
| Greenacres | $1,693 |
| Greenbank | $1,603 |
| Hamilton | $1,656 |
| Hansville | $1,586 |
| Harrah | $2,115 |
| Harrington | $1,992 |
| Hartline | $2,003 |
| Hay | $1,829 |
| Hazel Dell | $1,709 |
| Heisson | $1,790 |
| High Bridge | $1,733 |
| Hobart | $1,705 |
| Hockinson | $1,708 |
| Home | $1,678 |
| Hoodsport | $1,708 |
| Hooper | $1,960 |
| Hoquiam | $1,647 |
| Humptulips | $1,668 |
| Hunters | $2,030 |
| Hunts Point | $1,666 |
| Husum | $1,854 |
| Ilwaco | $1,763 |
| Inchelium | $1,971 |
| Index | $1,830 |
| Indianola | $1,572 |
| Inglewood-Finn Hill | $1,670 |
| Ione | $1,865 |
| Issaquah | $1,667 |
| Joyce | $1,631 |
| Kahlotus | $1,876 |
| Kalama | $1,644 |
| Kapowsin | $1,757 |
| Keller | $2,045 |
| Kelso | $1,678 |
| Kenmore | $1,679 |
| Kennewick | $1,992 |
| Kent | $1,729 |
| Kettle Falls | $1,897 |
| Key Center | $1,705 |
| Keyport | $1,547 |
| Kingsgate | $1,670 |
| Kingston | $1,583 |
| Kirkland | $1,675 |
| Klahanie | $1,655 |
| Klickitat | $2,056 |
| La Center | $1,693 |
| La Conner | $1,615 |
| La Grande | $1,724 |
| La Push | $1,623 |
| Lacey | $1,634 |
| LaCrosse | $1,913 |
| Lake Cassidy | $1,754 |
| Lake Forest Park | $1,608 |
| Lake Holm | $1,754 |
| Lake Ketchum | $1,734 |
| Lake Marcel-Stillwater | $1,749 |
| Lake Morton-Berrydale | $1,741 |
| Lake Shore | $1,721 |
| Lake Stevens | $1,762 |
| Lake Stickney | $1,640 |
| Lake Tapps | $1,802 |
| Lakebay | $1,678 |
| Lakeland North | $1,742 |
| Lakeland South | $1,738 |
| Lakewood | $1,723 |
| Lamona | $1,968 |
| Lamont | $1,928 |
| Langley | $1,614 |
| Larch Way | $1,651 |
| Latah | $1,748 |
| Laurier | $1,935 |
| Leavenworth | $2,087 |
| Lebam | $1,768 |
| Lewisville | $1,718 |
| Liberty Lake | $1,685 |
| Lilliwaup | $1,697 |
| Lincoln | $1,987 |
| Lind | $1,966 |
| Littlerock | $1,790 |
| Lochsloy | $1,765 |
| Lofall | $1,567 |
| Long Beach | $1,749 |
| Longbranch | $1,702 |
| Longmire | $1,861 |
| Longview | $1,662 |
| Longview Heights | $1,662 |
| Loomis | $2,136 |
| Loon Lake | $1,928 |
| Lopez Island | $1,615 |
| Lummi Island | $1,614 |
| Lyle | $2,077 |
| Lyman | $1,660 |
| Lynden | $1,612 |
| Lynnwood | $1,642 |
| Mabton | $2,029 |
| Machias | $1,765 |
| Malaga | $2,104 |
| Malden | $1,908 |
| Malo | $1,948 |
| Malone | $1,661 |
| Malott | $2,215 |
| Maltby | $1,684 |
| Manchester | $1,573 |
| Mansfield | $2,115 |
| Manson | $2,084 |
| Maple Falls | $1,586 |
| Maple Heights-Lake Desire | $1,702 |
| Maple Valley | $1,705 |
| Maplewood | $1,673 |
| Marblemount | $1,753 |
| Marcus | $1,921 |
| Marietta-Alderwood | $1,622 |
| Marlin | $2,012 |
| Marrowstone | $1,595 |
| Marshall | $1,793 |
| Martha Lake | $1,699 |
| Marysville | $1,759 |
| Matlock | $1,713 |
| Mattawa | $2,159 |
| Mazama | $2,199 |
| McChord AFB | $1,721 |
| McCleary | $1,654 |
| Mckenna | $1,807 |
| McMillin | $1,823 |
| Mead | $1,722 |
| Meadow Glade | $1,718 |
| Meadowdale | $1,682 |
| Medical Lake | $1,764 |
| Medina | $1,664 |
| Menlo | $1,768 |
| Mercer Island | $1,665 |
| Mesa | $1,919 |
| Metaline | $1,840 |
| Metaline Falls | $1,848 |
| Methow | $2,198 |
| Mica | $1,713 |
| Midland | $1,807 |
| Mill Creek | $1,723 |
| Mill Creek East | $1,720 |
| Millwood | $1,714 |
| Milton | $1,825 |
| Mineral | $1,683 |
| Minnehaha | $1,693 |
| Mirrormont | $1,673 |
| Moclips | $1,660 |
| Mohler | $1,920 |
| Monitor | $2,098 |
| Monroe | $1,751 |
| Monroe North | $1,760 |
| Montesano | $1,681 |
| Morton | $1,713 |
| Moses Lake | $1,970 |
| Moses Lake North | $1,970 |
| Mossyrock | $1,696 |
| Mount Vernon | $1,644 |
| Mount Vista | $1,716 |
| Mountlake Terrace | $1,602 |
| Moxee | $2,167 |
| Mukilteo | $1,723 |
| Naches | $2,124 |
| Nahcotta | $1,804 |
| Napavine | $1,631 |
| Naselle | $1,750 |
| Navy Yard City | $1,617 |
| Neah Bay | $1,614 |
| Nespelem | $2,075 |
| Newcastle | $1,669 |
| Newman Lake | $1,680 |
| Newport | $1,879 |
| Nine Mile Falls | $1,840 |
| Nisqually Indian Community | $1,614 |
| Nooksack | $1,609 |
| Nordland | $1,595 |
| Normandy Park | $1,729 |
| North Bend | $1,785 |
| North Bonneville | $1,867 |
| North Fort Lewis | $1,714 |
| North Lakewood | $1,766 |
| North Lynnwood | $1,658 |
| North Puyallup | $1,783 |
| North Yelm | $1,732 |
| Northport | $1,887 |
| Oak Harbor | $1,607 |
| Oakesdale | $1,910 |
| Oakville | $1,660 |
| Ocean Park | $1,735 |
| Ocean Shores | $1,661 |
| Odessa | $1,955 |
| Okanogan | $2,215 |
| Olalla | $1,619 |
| Olga | $1,614 |
| Olympia | $1,637 |
| Omak | $2,156 |
| Onalaska | $1,618 |
| Orchards | $1,731 |
| Orient | $2,031 |
| Orondo | $2,174 |
| Oroville | $2,060 |
| Orting | $1,823 |
| Othello | $1,960 |
| Otis Orchards | $1,693 |
| Otis Orchards-East Farms | $1,687 |
| Outlook | $2,119 |
| Oysterville | $1,711 |
| Pacific | $1,775 |
| Pacific Beach | $1,671 |
| Packwood | $1,688 |
| Palisades | $2,074 |
| Palouse | $1,903 |
| Paradise Inn | $1,856 |
| Parker | $2,457 |
| Parkland | $1,776 |
| Parkwood | $1,573 |
| Pasco | $1,875 |
| Pateros | $2,188 |
| Paterson | $2,003 |
| Pe Ell | $1,683 |
| Peaceful Valley | $1,586 |
| Peshastin | $2,234 |
| Picnic Point | $1,661 |
| Plymouth | $2,017 |
| Point Roberts | $1,613 |
| Pomeroy | $1,991 |
| Port Angeles | $1,593 |
| Port Angeles East | $1,578 |
| Port Gamble | $1,590 |
| Port Gamble Tribal Comunity | $1,583 |
| Port Hadlock | $1,608 |
| Port Hadlock-Irondale | $1,608 |
| Port Ludlow | $1,598 |
| Port Orchard | $1,601 |
| Port Townsend | $1,585 |
| Poulsbo | $1,567 |
| Prairie Heights | $1,836 |
| Prairie Ridge | $1,802 |
| Prescott | $1,905 |
| Preston | $1,736 |
| Prosser | $2,032 |
| Puget Island | $1,658 |
| Pullman | $1,934 |
| Purdy | $1,673 |
| Puyallup | $1,802 |
| Quilcene | $1,615 |
| Quinault | $1,662 |
| Quincy | $2,019 |
| Rainier | $1,725 |
| Randle | $1,670 |
| Ravensdale | $1,731 |
| Raymond | $1,741 |
| Reardan | $1,860 |
| Redmond | $1,659 |
| Renton | $1,701 |
| Republic | $1,895 |
| Retsil | $1,672 |
| Rice | $1,926 |
| Richland | $1,972 |
| Ridgefield | $1,709 |
| Ritzville | $1,968 |
| Riverbend | $1,785 |
| Riverside | $2,184 |
| Riverton | $1,756 |
| Rochester | $1,660 |
| Rock Island | $2,152 |
| Rockford | $1,732 |
| Rockport | $1,723 |
| Rocky Point | $1,617 |
| Rollingbay | $1,674 |
| Ronald | $2,170 |
| Roosevelt | $1,969 |
| Rosalia | $1,852 |
| Rosburg | $1,711 |
| Rosedale | $1,673 |
| Roslyn | $2,130 |
| Roy | $1,792 |
| Royal City | $2,068 |
| Ryderwood | $1,664 |
| Salkum | $1,647 |
| Salmon Creek | $1,725 |
| Sammamish | $1,685 |
| Satsop | $1,639 |
| Seabeck | $1,585 |
| Seahurst | $1,772 |
| SEATAC | $1,741 |
| Seattle | $1,661 |
| Seaview | $1,730 |
| Sedro-Woolley | $1,621 |
| Sekiu | $1,616 |
| Selah | $2,050 |
| Sequim | $1,565 |
| Shadow Lake | $1,704 |
| Shaw Island | $1,626 |
| Shelton | $1,661 |
| Shoreline | $1,603 |
| Silvana | $1,831 |
| Silver Creek | $1,665 |
| Silver Firs | $1,728 |
| Silverdale | $1,566 |
| Silverlake | $1,641 |
| Sisco Heights | $1,731 |
| Skamokawa Valley | $1,703 |
| Skokomish | $1,661 |
| Skykomish | $1,836 |
| Snohomish | $1,745 |
| Snoqualmie | $1,720 |
| Snoqualmie Pass | $1,901 |
| Soap Lake | $2,013 |
| South Bend | $1,720 |
| South Cle Elum | $2,037 |
| South Colby | $1,577 |
| South Creek | $1,808 |
| South Hill | $1,802 |
| South Prairie | $1,817 |
| South Wenatchee | $2,022 |
| Southworth | $1,573 |
| Spanaway | $1,808 |
| Spangle | $1,788 |
| Spokane | $1,769 |
| Spokane Valley | $1,704 |
| Sprague | $1,998 |
| Springdale | $1,971 |
| St. John | $1,894 |
| Stansberry Lake | $1,709 |
| Stanwood | $1,734 |
| Startup | $1,776 |
| Stehekin | $2,166 |
| Steilacoom | $1,725 |
| Steptoe | $1,919 |
| Stevenson | $1,873 |
| Stratford | $1,989 |
| Sudden Valley | $1,633 |
| Sultan | $1,776 |
| Sumas | $1,583 |
| Summit | $1,818 |
| Summit View | $1,817 |
| Sumner | $1,827 |
| Sunnyside | $2,061 |
| Sunnyslope | $2,022 |
| Suquamish | $1,585 |
| Tacoma | $1,791 |
| Taholah | $1,740 |
| Tahuya | $1,661 |
| Tanglewilde | $1,640 |
| Tanner | $1,785 |
| Tekoa | $1,832 |
| Tenino | $1,717 |
| Terrace Heights | $2,083 |
| Thornton | $1,908 |
| Thorp | $1,986 |
| Three Lakes | $1,760 |
| Tieton | $2,039 |
| Tokeland | $1,698 |
| Toledo | $1,631 |
| Tonasket | $2,087 |
| Toppenish | $2,121 |
| Touchet | $1,883 |
| Toutle | $1,680 |
| Town and Country | $1,799 |
| Tracyton | $1,597 |
| Trout Lake | $1,874 |
| Tukwila | $1,733 |
| Tumtum | $1,978 |
| Tumwater | $1,641 |
| Twisp | $2,118 |
| Underwood | $1,877 |
| Union | $1,677 |
| Union Gap | $2,149 |
| Union Hill-Novelty Hill | $1,648 |
| Uniontown | $1,864 |
| University Place | $1,720 |
| Usk | $1,861 |
| Vader | $1,633 |
| Valley | $1,913 |
| Valleyford | $1,746 |
| Vancouver | $1,708 |
| Vantage | $1,978 |
| Vashon | $1,621 |
| Vaughn | $1,705 |
| Venersborg | $1,718 |
| Veradale | $1,701 |
| Wahkiacus | $2,132 |
| Waitsburg | $1,905 |
| Waldron | $1,646 |
| Walla Walla | $1,881 |
| Walla Walla East | $1,881 |
| Waller | $1,845 |
| Wallula | $2,099 |
| Walnut Grove | $1,702 |
| Wapato | $2,251 |
| Warden | $1,970 |
| Warm Beach | $1,734 |
| Washougal | $1,767 |
| Washtucna | $1,945 |
| Waterville | $2,090 |
| Wauconda | $2,108 |
| Wauna | $1,709 |
| Waverly | $1,735 |
| Wellpinit | $1,963 |
| Wenatchee | $2,022 |
| West Clarkston-Highland | $1,906 |
| West Pasco | $1,875 |
| West Richland | $1,992 |
| West Side Highway | $1,670 |
| Westport | $1,680 |
| Whidbey Island Station | $1,647 |
| White Center | $1,698 |
| White Salmon | $1,934 |
| White Swan | $2,132 |
| Wilbur | $1,958 |
| Wilderness Rim | $1,785 |
| Wilkeson | $1,828 |
| Winlock | $1,638 |
| Winthrop | $2,073 |
| Wishram | $1,922 |
| Wollochet | $1,668 |
| Woodinville | $1,687 |
| Woodland | $1,654 |
| Woods Creek | $1,751 |
| Woodway | $1,669 |
| Yacolt | $1,744 |
| Yakima | $2,101 |
| Yarrow Point | $1,666 |
| Yelm | $1,732 |
| Zillah | $2,473 |
Current state of homeowners insurance in Washington
While homeowners insurance in Washington is currently lower than average, rates are rising. From 2021 to 2025, rates have gone up 58% statewide compared to 48% nationally.
Wildfire remains a risk in Washington
Washington’s jump in home insurance rates may be due to its growing wildfire risk. According to the Washington Department of Natural Resources (DNR), there were 1,162 wildfires in DNR jurisdictions. In 2024, there were 868.
In Washington, insurance regulations state that all standard homeowners policies must cover damage caused by wildfire. However, it can be hard to find a willing carrier in some parts of the state. The Washington Office of the Insurance Commissioner reports that homeowner policy nonrenewals and cancellations have doubled since 2021.
If you can’t find homeowners insurance on the private market, you may qualify for a Washington FAIR Plan, or Fair Access to Insurance Requirements Plan. This “insurer of last resort” is designed to provide basic coverage for eligible homeowners who have been declined by standard insurers.
Speak to a Washington-licensed insurance agent for more information.
How to compare homeowners insurance in Washington
Always make an apples-to-apples comparison when shopping for new insurance. It can be easy to mistake one quote as the best when, in reality, it’s only cheaper because it offers less coverage or fewer benefits.
When comparing options, don’t just look at rates. Also consider:
- Coverage limits: Check that your home’s features are listed accurately on every quote. These help the company determine how much dwelling coverage you need.
- Deductibles: One quote may be lower than another if it has a higher deductible. Some companies may also have a separate wildfire deductible.
- Add-ons: Not all companies offer the same add-ons (also called endorsements). If you’re looking for a specific type of coverage, make sure the carrier includes it on your quote.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, homeowners insurance is not a legal requirement in Washington, although mortgage companies require that you maintain coverage while you’re making house payments.
No, standard homeowners insurance does not cover earthquakes or landslides. Instead, you’ll need to buy a separate earthquake policy or add it as an endorsement, depending on the company.
Although major earthquakes are less frequent than other natural disasters, Washington is one of the most seismically active states. In fact, it has the second-largest earthquake insurance market in the U.S., behind only California.
A moderate quake can cause significant damage, so homeowners should consider whether earthquake coverage makes sense for their location and financial situation.
No, standard homeowners insurance does not cover floods. Flood insurance is available through the National Flood Insurance Program (NFIP) or through the private insurance market. Some carriers may offer flood coverage as an endorsement, though rarely.
Methodology
How we chose the best homeowners insurance in California
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Washington ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.