How Much Does Homeowners Insurance Cost in Washington?
Washington pricing is above the national average. Updated for 2026.
Homeowners Insurance Pricing in Washington
In Washington, the average cost for homeowners insurance is $207 per month, which is 15% higher than the national average of $180. Most Washington residents pay between $115 and $402.
Washington has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Washington may be even higher.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
Washington vs National Average
What Affects Homeowners Insurance Cost in Washington?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
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Top-Rated Homeowners Insurance Pros in Washington
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💡 Tips to Save on Homeowners Insurance in Washington
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Washington Cost Trends (2022–2026)
Prices have increased +16.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $177 | — |
| 2023 | $184 | +4.0% |
| 2024 | $196 | +6.5% |
| 2025 | $201 | +2.6% |
| 2026 | $207 | +3.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Washington
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Homeowners Insurance Cost in Other States
Related Cost Guides for Washington
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