When you are looking for the best home insurance in Washington, homeowners shouldn’t base their selection solely on price.
Instead, homeowners should think about what is best for their situation to get peace of mind through appropriate property insurance coverage, outstanding claims, and customer service experiences.
If you reside in Washington State, home insurance will cover you if a fire destroys your home. The cost of replacing your belongings after a theft or natural disaster will also be covered.
Without homeowners insurance, what would you do if your home gets damaged by fire? Can you afford to replace all of your items and rebuild your home? Fortunately, with home insurance coverage, you won’t have to. However, not all home insurance providers are the same. They may vary in terms of, cost, coverage, and add-on features.
Although, it could be difficult for you to select the best home insurance in Washington. But we are here to make it easier for you.
Also read: The Difference Between Home Insurance And Home Warranties
Table of Contents
Home Insurance
Home insurance refers to a type of property insurance that protects a person’s home from losses and damages, as well as the furnishings and other belongings inside.
Additionally, home insurance offers liability protection against accidents at home or on the property.
A home insurance policy often covers four types of accidents on the insured property:
- interior damage,
- external damage,
- loss or damage to personal belongings,
- and injury sustained while on the property.
The homeowner must pay a deductible when people claim these incidents.
Benefits of Home Insurance
1. Protection Of Your Main Residence
Protecting your residence or the part of your home where you live is the primary goal of home insurance plans. Imagine having to deal with a complete loss brought on by a house fire or severe (and expensive) damage brought on by a hurricane or tornado.
2. Cover for your detached structures
Coverage for your detached structures, like fences, a garage, dog houses, sheds, and more, is the second most crucial part of home insurance.
3. Loss of use insurance
If you’re forced to vacate your house while it’s being rebuilt or repaired following a covered event, You will incur travel costs, hotel, and food.
4. Contents Insurance Coverage
Whenever you purchase home insurance, you should list all the furnishings, electronics, appliances, and other personal items that your policy would cover.
Depending on precise terms of policy, you may be entitled to partial or whole reimbursement if a covered event (such as a hurricane) damages or destroys some of this property.
5. Liability coverage.
Top 10 Best Home Insurance in Washington
1. Allstate
Allstate has been an American insurance company headquartered in Northfield Township, Illinois, near Northbrook since 1967. Established in 1931 as a part of Sears, Roebuck & Co. For homeowners who desire various add-on home insurance options to tailor a policy to their needs and lifestyle, Allstate home insurance may be a good choice.
In addition to standard home insurance coverage, including dwelling, loss of use, personal property, and liability, Allstate customers can add sports equipment, electronic data recovery, water backup coverage, and even business property for items needed for your business kept at home.
Participants in home sharing can purchase Allstate HostAdvantage, which provides additional protection against theft or damage to personal property by tenants.
2. The United States Automobile Association (USAA)
USAA is a financial company that provides investment, banking, and insurance products to military-affiliated members.
Regardless of where you reside in the country, USAA’s home insurance could be a fantastic choice to protect your home and other personal property.
With outstanding customer service, USAA home insurance offers all the standard coverage types, including dwelling, personal property, additional structures, and liability coverage.
It can be tailored to your specific needs. Even military uniforms damaged while on active or reserve duty are covered.
3. Nationwide Mutual Group
Nationwide Mutual Insurance is a group of large U.S. insurance and financial services companies located in Columbus, Ohio.
The Nationwide Mutual Group is the tenth-largest property and casualty insurer in the United States. It provides various banking and financial planning services and auto, property, and life insurance products.
Nationwide offers a wide range of products to help you build an insurance plan to protect your belongings and your future. Even more, options are available from Nationwide to protect your property and financial stability.
4. Travelers
Another top home insurance provider in Washington is The Travelers Companies, Inc., which has its headquarters in New York City. It offers many chances for discounts, including protective devices, bundling, and claims-free discounts.
With the bundling discount, you can save money by bundling your home and auto insurance plans. People joining Travelers who have not filed any recent claims are eligible for the claims-free discount. In contrast, people with installed protective devices in their homes are eligible for the protective devices discount.
Company URL: http://www.travelers.com/
5. Farmers Insurance
Farmers is an American insurer of homes, vehicles, and small businesses and offers other insurance and financial services products. The company’s national reputation and friendly agents make it one of our best-recommended home insurance companies.
Customer service is Farmers’ most robust feature, so you can expect a quick claim process and a positive call if you need assistance.
Company URL: https://www.farmers.com/
6. State Farm
Another best home insurance in Washington state is State Farm. State Farm is the most extensive property and casualty insurer in the U.S. is a full-line insurer that writes new home and auto policies in every state except Rhode Island and Massachusetts.
State Farm was founded in 1922, and its headquarters is in Bloomington. The company is well-known for its wide range of discounts, excellent customer service, and classic car insurance partnership with Hagerty.
Company URL: http://www.statefarm.com/
7. PEMCO
PEMCO is another company that offers the best home insurance in Washington. PEMCO Insurance is a personal-lines mutual insurance provider located in Seattle, Washington, that serves only Oregon and Washington residents.
Homeowners in wildfire-prone areas may consider PEMCO Insurance. Its unique partnership with Wildfire Defense Systems provides free private wildfire services during active brush fires to protect your house completely.
Company URL: https://pemco.com/
8. Chubb
Chubb is the world’s largest publicly traded property and casualty insurance company, founded in 1882, and its headquarters is in Warren, New Jersey. For business owners, Chubb has a wide range of commercial insurance products and personal insurance options.
Chubb is an industry leader with operations in more than 50 nations. Chubb offers insurance filled with good features, making it a perfect option for customers with valuable assets to protect. However, consumers on a low budget might avoid Chubb because of its higher-than-average premiums.
Company URL: http://chubb.com/
9. Mutual of Enumclaw
Mutual of Enumclaw is one the companies that offer the best home insurance in Washington, established in 1898 with its headquarters in Washington, Enumclaw, United States.
Its “Members Best” insurance offers a wide range of home and auto coverage options, reasonable pricing, and excellent customer service. It provides coverage that will appeal to rural communities, such as free wildfire protection.
The only way to purchase Mutual of Enumclaw insurance is through an independent agent. The insurer does have a smartphone app that enables you to save your insurance card and start the claim process right from your phone.
Generally, Mutual of Enumclaw is a better choice for customers who want to have a close relationship with an agent who knows them and their needs.
Company URL: https://www.mutualofenumclaw.com/
10. Country Financial
Country Financial is a group of U.S. financial and insurance companies which provide a wide range of coverage and unique discounts, such as a Roofing Material Discount and Schedule Personal Property coverage, that could support policies and make them more affordable.
Customers who require more home insurance coverage can choose from various unique options at Country Financial, including earthquake insurance, which protects your home from earthquake-related damage.
Company URL: http://www.countryfinancial.com/
Our Recommendations
All these home insurance in Washington offer impressive customer service and financial strength ratings. However, we recommend Allstate if you want to purchase the best home insurance in Washington.
Allstate has a combination of low rates, financial strength ratings, excellent customer service, and comprehensive policy options, which is why we recommend them.
Get started with AllState Insurance.
Conclusion
When building your home insurance policy, there are various policy types and different coverage add-ons to consider. A primary consideration while looking for the best home insurance in Washington is choosing coverage to protect your finances from common catastrophes. If you’re in Washington, choose any of these top 10 best home insurance and invest in them.
