Best home insurance companies in Washington
Many quality home insurance companies serve homeowners in Washington. And the best insurance company will vary depending on your situation and needs.
Here are some top picks based on affordability, coverage options, and J.D. Power scores. Based on these criteria, State Farm, Kemper Preferred, Liberty Mutual, Chubb, and Hippo are the best options for home insurance in Washington.
Best large insurer: State Farm
State Farm is a nationwide insurer, offering coverage in all 50 states, including Washington. It has a J.D. Power score of 829 out of 1,000. The company is a good option thanks to its large network and a wide variety of policy add-ons.
High customer satisfaction rating
Working with Wildfire Defense Systems (WDS) to mitigate the threat of wildfires
Offers customizable solutions to meet your coverage needs
Learn More: How Much Does Homeowners Insurance Cost?
Best insurer for cheap rates: Kemper Preferred
Kemper Preferred offers homeowners insurance designed to fit every budget. You can choose from three different plans, and the most basic plan provides coverage for your home and possessions at an affordable cost.
Kemper Preferred costs an average of $68 per month, which is lower than the average cost of homeowners insurance in Washington. The quote you receive may be higher or lower than this, depending on your location, home, and other factors.
A good option for affordable homeowners insurance
Lets you bundle home and auto insurance for added savings
Active and retired military members can earn discounts
The coverage may not be as robust as what other insurers offer
The company has a poor NAIC rating
Doesn’t offer as many customizations as other insurers
Best for fire and severe storm coverage: Liberty Mutual
Liberty Mutual offers customized home insurance policies, and you can earn insurance discounts in multiple ways. The company has a J.D. Power score of 805 out of 1,000, so most customers have a good experience with the insurer.
Homeowners insurance through Liberty Mutual costs an average of $96 per month, making it a pretty affordable option. And it’s lower than the average overall price of home insurance in Washington.
Option to add on home hazard insurance, which covers things like wind, smoke, and fire
Many different discounts available
Coverage is available in all 50 states
Keep Reading: How to Find Your Home’s Protection Class and ISO Ratings
Best insurer for high-value homes: Chubb
Chubb provides extensive add-ons to its home insurance policy, including extended replacement costs, temporary living arrangements, and risk consulting, which is provided during a complimentary home appraisal. Any of these features could be beneficial to homeowners with high-value homes. Chubb has a J.D. Power score of 809 out of 1,000, and it has very few customer complaints.
Extensive coverage options
If you suffer a loss, you have the option to rebuild or receive a cash settlement up to your policy limit
Very few customer complaints
Higher premiums than other insurance companies
You may need to contact an agent to receive a quote
Coverage is really geared toward high-value homes
Best regional insurance company: Hippo
Hippo’s home insurance policy comes with smart home technology, including leak sensors and connected cameras, so you can prevent problems before they occur.
Home insurance policies from Hippo cost an average of $112 per month. This is less than the average cost of home insurance in Washington, making it an affordable option.
Robust coverage, including smart home technology and coverage for house cleaners and babysitters
The home office coverage limit is four times higher than what most insurance companies provide
You can receive a quote fairly quickly
The focus on technology may be a downside for some customers
Hippo is not available in all 50 states
No J.D. Power score available
To evaluate home insurance companies, Insurify data scientists and editorial team analyze multiple factors that reflect a company’s quality, reliability, and financial health. We consider industry ratings and information from sources like A.M. Best, Standard & Poor’s, Moody’s and Fitch, and J.D. Power. We evaluate customer service and satisfaction data, customer reviews, NAIC complaint indexes, claims payout rates, company reputation and proprietary quoting data.