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The best homeowners insurance in Washington for 2022

Top Home Owners Insurance in Washington in 2022

Owning a home is an investment and just like any investment, you have to do what’s necessary to protect it. Getting homeowners’ insurance safeguards your precious investment in the event of natural disasters, fire, or theft.

If you have just moved to Washington or recently bought your dream house, put your mind at ease with insurance options. Choose from our Top 3 picks with great coverage, competitive rates, and good customer service.

Extensive coverage : Allstate

Established in 1931, Allstate has flourished to be one of the largest insurers with more than 175 million policies in the US. Allstate is favored for its A+ (superior) rating in financial strength and extensive home insurance coverage options from AM Best.

Allstate offers the following standard homeowners insurance coverage:

  • Dwelling coverage for the main home. It encompasses damage to other structures within the property including a detached garage or outbuilding, pool, or fence. Additional policies protect against loss or damage caused by theft, vandalism, fire, flood, earthquake, lighting, wind and hail.
  • Personal property coverage for the belongings inside your home, such as furniture, clothing, and electronics. You can either claim an actual cash value or replacement cost coverage.
  • Liability protection covers you or your family member for property damage or accidental injury.
  • Guest medical protection saves you from medical expenses if your guests are accidentally injured on or around the property.

To get a quote, contact an Allstate agent near you or click here.

Choice for most people : Mutual of Enumclaw

Founded as a way for farmers to support each other in the 1800s, Mutual of
Enumclaw has grown to be the choice for best home insurance company for a majority of Washington residents.

With A- rating (excellent) in AM Best, Mutual of Enumclaw is favored for its excellent insurance rates, good customer service, and diverse discounts and coverages that appeal to a broad range of homeowners. Mutual of Enumclaw likewise offers discounts for home and car insurance bundles. You only have to pay for one deductible if your home and car are both damaged in an accident.

One of the perks is a free wildfire monitoring and protection system. The company will assume paying the firefighters to protect your home in the event of a wildfire.

To find an agent, check here.

Best in agent representation : State Farm

State Farm ranks on top in agent representation, customer satisfaction, and policy add-on options. Its average premium is not the cheapest but State Farm has ways to compensate – like bundling car and home insurance and offering impact-resistant roofing.

Standard homeowners’ coverage includes the typical protection against damage from weather, fire, theft, vandalism, or leaking pipes. However, while your home is being rebuilt or repaired, State Farm offers loss-of-use coverage that helps you pay for temporary lodging and food. You don’t have to worry either for any medical and legal expenses from an injury to someone else on your property. State Farm has liability coverage to help you.

Get a quote here.

Looking for homes for sale in Winthrop, WA? Count on the most trusted real estate team in Winthrop, Coldwell Banker Winthrop, to assist you every step of the way. Call us today at 509.996.2121 or email info(at)cbwinthrop(dotted)com.