Homeowners Insurance In Washington

Whether your home is a waterfront retreat in Seattle or a spacious four-bedroom in Spokane, a Farmers Smart Plan Home® policy allows you to select quality coverage that suits your Washington lifestyle today, along with various options to help you save.

Is homeowners insurance mandatory in Washington?

No, homeowners insurance is not legally required in Washington. However, if you’re seeking a home loan, your mortgage lender will probably require you to have a specific level of insurance coverage.

What does homeowners insurance include in Washington?

Dwelling (Coverage A): This coverage assists in covering damage to your home from events like fire, wind, lightning, or hail.

Other Structures (Coverage B): This coverage is designed to protect structures not attached to your home, such as fences or sheds.

Personal Property (Coverage C): This coverage helps you repair or replace personal items that are stolen or damaged.

Loss of Use (Additional Living Expense Coverage) (Coverage D): This coverage can help cover the costs of staying elsewhere if your home becomes uninhabitable due to covered damage.

Personal Liability (Coverage E): This coverage helps pay for accidental property damage or injuries you may cause due to negligence.

    • Fire

    • Vandalism and theft

    • Lightning strikes

    • Wind

    • Hail

    • Explosions

    • Falling objects

    • The weight of snow or ice

    • Flooding, which is a common risk in some areas of Washington, is not included in standard coverage. However, you may be able to obtain special flood insurance through the National Flood Insurance Program (NFIP). Similarly, earthquakes—another risk in this Pacific Rim state—are not covered, but specialized earthquake insurance may be available.

  • Our providers offer various options for insuring your home and its contents. You can tailor your policy to fit your lifestyle and the type of dwelling you have:

    • Single-family home

    • Condo

    • Mobile or manufactured

    • Seasonal or vacation

    • Rental property

    • Older home

  • According to a 2020 report from the National Association of Insurance Commissioners (NAIC), the average annual premium for homeowners insurance in Washington is $937. However, insurance rates in many states have likely changed since then. Additionally, your premium may vary based on factors such as the value and age of your home, the amount of personal property you wish to cover, your chosen deductible, and specific risks in your area.

  • Our providers may present various savings opportunities for qualified homeowners insurance customers in Washington, including:

    • Multi-policy

    • Protective devices 

    • Non-smoker

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