Washington home insurance
Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.
Home insurance premium estimator
What homeowners insurance costs in your state, and whether what you pay is out of line.
Replacement cost calculator
Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.
Deductible comparison
What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.
Renewal increase check
Did your renewal go up more than premiums did across your state — and what to do about it.
Full coverage check
All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.
Washington at a glance
- Average premium
- $1,633/ yr
- At $300,000 of dwelling coverage.
- Standard deductible
- $1,000
- Applies to everyday claims.
- Storm deductible
- No separate wind, hail, or hurricane deductible is standard in Washington — the deductible above applies to storm damage too.
- Insurer of last resort
- Washington FAIR Plan Association
- Washington's insurer of last resort, established in 1968 under Chapter 284-19 WAC and operating as a joint reinsurance association that every property insurer licensed in Washington must belong to. It takes no taxpayer funding and is overseen by the Office of the Insurance Commissioner. Critically, it is NOT a homeowners policy: it writes basic fire and lightning coverage on dwellings and commercial buildings, with wind, hail, explosion, riot, aircraft, vehicle and smoke perils available as an Extended Coverage add-on and vandalism as a further option. Liability, theft, water damage and flood are excluded outright, and policies are written exclusively on an actual cash value basis - replacement cost is not available, so depreciation comes out of every claim payment. Coverage is capped at $1.5 million per location and is available anywhere in the state provided the property is occupied and reasonably maintained. Wildfire is paid as a fire loss under ordinary fire-policy terms. Usage remains very small - roughly 306 habitational policies in force as of May 2026, plateauing near 400 over the preceding three quarters - which is the honest signal here: Washington's admitted market is still writing most risks, and the FAIR plan is a bridge rather than a destination. Whether the Spokane fire moves that number is being watched by state officials but is not yet in the data.
Last updated 2026-08-28. How we source every figure