Best homeowners insurance in Seattle, WA for 2022

We looked at average costs, coverages available, and customer satisfaction ratings to find the best homeowners insurance companies in Seattle.

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

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Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Financial Advisor

Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

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While Seattle is a great place to own a house, its long rainy season means properties have an outsized risk of mold and mildew damage. Despite this sneaky but expensive problem, the average cost of homeowners insurance in Seattle is just $1,195 per year or $100 a month. This is around 6% lower than the Washington state average, and nearly 37% lower than the national average of $1,899 per year.

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However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Seattle, WA.  

Best homeowners insurance companies in Seattle

Of the top companies we looked at, Allstate has the lowest rate, with an average annual policy cost of $586 — well below the city average of $1,195. Average rates for Farmers, USAA, and PEMCO Insurance also came in below the city average. 

While policy cost is important, you’ll also want to look at customer and claims satisfaction ratings with entities like J.D. Power to see if the company can deliver when it comes time to use your coverage. If your insurance company lets you down when you need it, price no longer matters as much.

Policygenius analyzed thousands of quotes from the 5 largest Seattle insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Seattle residents to find the best homeowners insurance in Seattle.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,624

835

Farmers

$1,218

813

Allstate

$586

829

USAA

$976

882

PEMCO Insurance

$680

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State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm is one of the top companies in the industry when it comes to customer satisfaction ratings with J.D. Power, which takes into consideration policy offerings, price, customer interaction, claims, and the billing process.  

How to get a quote

Online through State Farm

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Seattle teachers, nurses, and first responders have the opportunity to save on homeowners insurance with Farmers. In addition to savings, Farmers gives Seattle residents the option of rebuilding their home with green materials after a covered loss.

How to get a quote

Online through Farmers

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Why Allstate tops our best list

Seattle homeowners not only enjoy generous bundling discounts if they insure their home and their car through Allstate, they also have the option of several high quality policy add-ons to personalize their policy to their liking.  

How to get a quote

Online through Policygenius or Allstate

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA has excellent coverage options, great customer service ratings, and several available discounts for Seattle residents who are affiliated with the military. If you are interested in more than just basic coverage options, USAA offers plenty of ways to personalize your policy to suit your coverage needs.

How to get a quote

Online through USAA

PEMCO Insurance

PEMCO Insurance logo

PEMCO Insurance is ideal for homeowners in high-risk wildfire areas — its special partnership with Wildfire Defense Systems offers free private wildfire services during active brush fires to ensure your home is fully protected.

Pros

  • Offers replacement cost coverage for your belongings — meaning depreciation won't be taken into account for your claim payout

  • Base policies come with up to $5,000 of sewer backup coverage

  • Partnership with Wildfire Defense Systems offers free private wildfire services to maximize your home's protection during an active wildfire

  • Discounts for homeowners who work in education, go 3 years without filing a claim, have safety and sprinkler devices, and more

  • File and track claims online — with 24/7 customer support

Cons

  • Limited information about coverage options available online

  • Not as many discounts as other insurers

Why PEMCO Insurance tops our best list

While Seattle isn’t traditionally a city that is considered a high risk for wildfires, 2021 showed that wildfires can still be a threat in the Pacific Northwest. So PEMCO’s recent partnership with Wildfire Defense Systems (WDS) should come as a relief to Seattle homeowners. Under this new partnership, the WDS team provides free consultation and preventative maintenance to at-risk homes during an active wildfire — providing your home and belongings with an added layer of protection.

How to get a quote

By calling PEMCO Insurance

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Cheapest homeowners insurance companies by ZIP code in Seattle

Looking at average home insurance costs for 15 of the most popular companies in Seattle, we found that the cheapest home insurance in the city can be found in the 98101 ZIP code, the Pike Place market area of Seattle. The average rate with Allstate in this area is $586 per year, which is significantly less than the city average of $1,195 per year. 

Homeowners in every Seattle ZIP code will likely find that Allstate is their cheapest home insurance option. Seattle residents in the most expensive ZIP codes for home insurance can get coverage with Allstate for under $600 per year.

ZIP code

Company

Average yearly cost

98101

Allstate

$586

98102

Allstate

$586

98103

Allstate

$586

98104

Allstate

$586

98105

Allstate

$586

98106

Allstate

$590

98107

Allstate

$586

98108

Allstate

$590

98109

Allstate

$586

98112

Allstate

$586

98115

Allstate

$573

98116

Allstate

$590

98117

Allstate

$586

98118

Allstate

$590

98119

Allstate

$586

98121

Allstate

$586

98122

Allstate

$586

98125

Allstate

$573

98126

Allstate

$590

98131

Allstate

$586

98132

Allstate

$586

98133

Allstate

$573

98134

Allstate

$590

98136

Allstate

$590

98144

Allstate

$590

98154

Allstate

$586

98158

Allstate

$590

98161

Allstate

$586

98164

Allstate

$586

98174

Allstate

$586

98195

Allstate

$586

98199

Allstate

$586

The most affordable areas for homeowners insurance in Seattle

With an average home insurance rate of $1,122 per year, the 98109 ZIP code is the most affordable area for home insurance in Seattle. 

ZIP code

Average yearly cost

98109

$1,122

98107

$1,129

98117

$1,131

98105

$1,132

98119

$1,134

The most expensive areas for homeowners insurance in Seattle

With an average home insurance rate of $1,259 per year, the 98154 ZIP code (metro area) is the most expensive area for home insurance in Seattle. However, rates only vary slightly between the highest and lowest cost areas, keeping homeowners insurance rates in Seattle consistent.

ZIP code

Average yearly cost

98154

$1,259

98164

$1,257

98132

$1,239

98104

$1,238

98158

$1,235

Shopping for homeowners insurance in Seattle

When shopping for homeowners insurance, make sure the coverage amounts in your quotes reflect your actual coverage needs. This will allow for a more accurate coverage and rate comparison. A Policygenius expert can help guide you through the process of comparing quotes.

There are a few things you’ll need to consider when purchasing homeowners insurance in Seattle. Earthquakes and volcanic action are a concern in the area, and with the close proximity to Puget Sound, the city also has some flood risk. 

In this section, we break down the average annual home insurance rates in Seattle for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Seattle.

Seattle home insurance costs by coverage amounts

Dwelling coverage is the section of your homeowners insurance policy that protects your home from covered losses, such as fire or wind damage. Your dwelling coverage limit should be equal to the replacement cost of your home, which is determined by things like its square footage and construction costs in your area — not the home’s sale price or market value. 

As the table below indicates, more dwelling coverage equals higher home insurance premiums. In Seattle, for every $100,000 in dwelling coverage, the average insurance premium increases approximately $300 per year. 

Dwelling coverage amount

Average yearly cost

$100,000

$613

$200,000

$898

$300,000

$1,195

$400,000

$1,539

$500,000

$1,878

Liability coverage is the section of your policy that covers legal, medical, and repair bills if someone is injured or their property is damaged and you are legally responsible. This covers instances such as dog bites, pool or trampoline-related injuries, or if a visitor falls down your stairs. 

You should have enough coverage to cover the value of all of your assets in the event that the victim decides to sue. When choosing a liability coverage amount, consider the value of your home, cars, potential future earnings, and anything else that holds value. 

As seen in the table below, more liability coverage doesn’t always mean higher average home insurance rates. In this case, a policy with $100,000 in liability coverage is only about $100 less than one with $500,000 in coverage. While your premiums will differ slightly from the average, opting for high liability coverage limits is a great value add for any policy.

Liability coverage amount

Average yearly cost

$100,000

$1,172

$200,000

$956

$300,000

$1,195

$400,000

$738

$500,000

$1,283

Seattle home insurance costs by deductible amount

Your deductible is the amount that you will need to pay toward a loss when you file a claim. That means if you file a claim for $5,000 and you have a $1,000 deductible, you’ll have to pay $1,000 before your insurer reimburses you for the remaining $4,000. 

A higher deductible typically means lower premiums, but there is a risk in doing this. You’ll want to make sure it’s set to an amount you can afford in the event of a loss. 

As seen in the table below, a policy with a $500 deductible doesn’t cost much more than a policy with a $2,000 deductible. 

Deductible amount

Average yearly cost

$500

$1,309

$1,000

$1,195

$2,000

$1,227

Home insurance discounts in Seattle

If you protect your home with safety features, you will see a small discount in your insurance premiums. Insurance companies incentivize homeowners to be proactive about protecting their home, including installing deadbolts, smoke alarms, and security systems. 

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate for homes in Seattle with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,194

Smoke alarm

$1,194

Burglar alarm

$1,149

Home insurance companies in Seattle for dog owners

Insurance companies consider certain dog breeds to be “aggressive.” This is because, statistically, these breeds are responsible for a large percentage of dog bite-related liability claims. If you own a breed your insurance company considers to be aggressive, you’ll likely see higher rates than most.

With an average rate of $586 per year, Allstate has the cheapest home insurance rates in Seattle for a home with a dangerous dog breed, while State Farms’ average yearly premium of $2,624 is the highest.

Company

Average yearly cost

Allstate

$586

PEMCO Insurance

$680

USAA

$976

Farmers

$1,218

State Farm

$2,624

Home insurance companies in Seattle for pool owners

Owning a pool can also result in higher home insurance premiums. Pools are considered a liability risk due to the risk of accidents in and around pools. Additionally, a pool is considered a separate structure that will need coverage under your dwelling coverage in case of damage.

Some insurance companies put more weight on pool ownership than others when it comes to calculating your rate.  

With an average rate of $586 per year, Allstate has the cheapest home insurance rates for Seattle homes with a swimming pool, while State Farms’s average yearly premium of $2,624 is the most expensive. If you are a pool owner, make sure you compare policies to see who has the best rates.

Company

Average yearly cost

Allstate

$586

PEMCO Insurance

$680

USAA

$976

Farmers

$1,271

State Farm

$2,624

How to buy homeowners insurance in Seattle

Finding the right amount of coverage at the right price may seem like an overwhelming endeavor, but it’s actually fairly easy if you know what to look for in a company and policy. Since Seattle’s average annual premium of $1,195 is slightly below the state average, you will still enjoy lower rates than other Washington residents, but there are other things you should consider when choosing a policy.

Here are a few steps to follow as you shop for homeowners insurance in Seattle: 

  1. Reach out to a licensed Policygenius agent. Our team of licensed insurance experts are waiting to help you figure out how much coverage you need and what company offers it at the best price. Our agents do this for free with no impact to your credit score.

  2. Ask about Washington’s FAIR Plan coverage. The Washington FAIR Plan Association provides basic fire coverage for those who have difficulty obtaining a policy, provided the property is occupied and reasonably maintained. Coverage for the structure may be obtained, but coverage for liability and theft are not available. If you have applied for and been rejected by several private market insurers, you can look into this coverage.

  3. Consider purchasing flood and earthquake insurance. Since most standard home insurance doesn’t cover flooding and earthquake damage is often excluded from policies, you may need to purchase separate flood insurance or earthquake insurance to ensure your house is fully protected. A Policygenius agent can help you do this, too.

  4. Figure out how low of a deductible you can afford. You’ll want to set this to an amount you can afford to pay in the event you need to file a claim.

  5. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs, limits, and deductibles, a Policygenius agent will walk you through your quotes from multiple different companies to help you find the best policy for your coverage and budget needs.

  6. Sign the policy and pay your first premium. After you’ve chosen the policy you want, your Policygenius agent will complete all of the paperwork for you, including canceling your old policy, if you had one. The only thing left to do is sign and pay your first premium. 

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Frequently asked questions

What is the average cost of homeowners insurance in Seattle?

The average cost of homeowners insurance in Seattle is $100 per month, or $1,195 per year.

Why does the breed of my dog matter?

Having a dog considered to be an “aggressive” breed means that you are statistically more likely to file a dog bite liability claim. Therefore, your premiums will reflect the increased risk. Shopping around can find you the best policy for your home and your dog.

Does Washington consider my credit score?

There is a rule on the table in Washington that would ban insurance companies from using your credit score to calculate your premiums, but that rule has not yet been put into effect. If it is, those with low credit will see a one time decrease in their premiums, while those enjoying the discounts and benefits of good credit will see a one time increase.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Freelance contributor

Meredith Napolitano

Freelance contributor

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As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

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