Home Insurance in Washington
Homes in Washington carry a median value of $564,600.
The typical home in Washington was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960.
In Washington, the housing stock is 66% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Washington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Washington has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Washington - 59% - are primarily heated with electricity.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $564,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Counties
- Adams County
- Asotin County
- Benton County
- Chelan County
- Clallam County
- Clark County
- Columbia County
- Cowlitz County
- Douglas County
- Ferry County
- Franklin County
- Garfield County
- Grant County
- Grays Harbor County
- Island County
- Jefferson County
- King County
- Kitsap County
- Kittitas County
- Klickitat County
- Lewis County
- Lincoln County
- Mason County
- Okanogan County
- Pacific County
- Pend Oreille County
- Pierce County
- San Juan County
- Skagit County
- Skamania County
- Snohomish County
- Spokane County
- Stevens County
- Thurston County
- Wahkiakum County
- Walla Walla County
- Whatcom County
- Whitman County
- Yakima County