Best Homeowners Insurance in Washington (2024)

Although the best home insurance provider in Washington is Chubb, matching your needs is key. For those prioritizing affordability, Nationwide stands out as the most wallet-friendly choice, also excelling for new homeowners and those with high-value properties.

Our analysis assumed a dwelling coverage limit of $100,000. Your coverage needs will influence your premiums, so it’s important to understand how much home insurance you need. For budget-conscious homeowners, we gathered data on the cheapest home insurance in Washington.

Chubb offers the best home insurance in Washington.

• Chubb: MoneyGeek score of 96 out of 100 ($676 per year)
• State Farm: MoneyGeek score of 88 out of 100 ($707 per year)

In Washington, homeowners must navigate through a variety of insurance companies, each providing different premium rates and customer service levels. Find a balance that suits your personal needs, ensuring both cost-effectiveness and reliable service.

Chubb offers the best home insurance in Washington for service quality.

• Chubb: MoneyGeek score of 96 out of 100 ($676 per year)
• Nationwide: MoneyGeek score of 81 out of 100 ($579 per year)

Service quality in a home insurance provider means responsive, courteous and efficient handling of your needs. Homeowners prioritize good quality service because it translates to less stress when filing a claim or needing assistance. For instance, quick claim resolutions can be critical after a natural disaster.

Chubb is the leading provider of affordable home insurance in Washington for budget-conscious homeowners.

• Chubb: MoneyGeek score of 95 out of 100 ($676 per year)
• State Farm: MoneyGeek score of 90 out of 100 ($707 per year)

Although Chubb may offer the cheapest premiums, it's not synonymous with superior service. Choose a provider that strikes a balance between affordable premiums and reliable service. For instance, when the average cost of home insurance in Washington is considered, a homeowner might prioritize a slightly higher-priced option for the added benefit of customer service excellence after a stressful event like a natural disaster.

Nationwide offers the top home insurance for those with expensive homes in Washington. These providers deliver exceptional coverage for homes needing $1 million in dwelling coverage.

• Nationwide: MoneyGeek score of 88 out of 100 ($2,203 per year)
• Allstate: MoneyGeek score of 83 out of 100 ($1,838 per year)

Owning an expensive home means needing more coverage, impacting costs, so selecting a provider balancing cost and quality is crucial.

Nationwide is the top choice for homeowners seeking the best insurance for new homes in Washington. The providers listed below are superior options for $500,000 in dwelling coverage for new homes.

• Nationwide: MoneyGeek score of 88 out of 100 ($694 per year)
• Chubb: MoneyGeek score of 57 out of 100 ($1,977 per year)

Nationwide leads with high affordability and service scores, offering Washington homeowners an excellent mix of cost efficiency and reliable service. This blend ensures homeowners have access to quality coverage without breaking the bank.

in Washington, Chubb is the premier (home insurance provider for veterans and their families)[https://www.moneygeek.com/insurance/homeowners/homeowners-insurance-for-veterans/].

• Chubb: MoneyGeek score of 88 out of 100 ($676 per year)
• Nationwide: MoneyGeek score of 86 out of 100 ($579 per year)

Veterans deserve a homeowners insurance company that acknowledges their unique situation, be it frequent moves or active duty deployments. Such a company ensures that homes and belongings remain safeguarded regardless of location or circumstance.

The best homeowners insurance providers strike a balance by offering excellent customer service and comprehensive coverage at competitive premiums. Your specific insurance needs will dictate which provider is the ideal match for you. In the following steps, we'll guide you through the process of finding the homeowners insurance that best suits your personal circumstances and offers optimal protection for your home and belongings.

Finding the best homeowners insurance provider in Washington hinges on your unique needs and circumstances. As you weigh your options, consider common questions to guide your choice and ensure you're well-informed.