Best home insurance in Washington State: rankings, wildfire scores and the earthquake gap
A best-home-insurance list can tell you which companies keep customers happy. It cannot tell you whether any of them will insure a house near the trees outside Spokane, or what happens to yours in an earthquake near Tacoma.
The short answer
There is no single best home insurance company in Washington. J.D. Power's 2026 study ranked Amica highest for homeowner satisfaction nationally, and State Farm writes the most home insurance in the country. Neither fact tells you who will insure your house, at your address, for the least.
In Washington the address decides more than the brand. East of the Cascades, wildfire risk scores drive which carriers will write or renew a home; 24,106 policies were cancelled or non-renewed statewide. West of the mountains, the gap is earthquake damage, which a standard policy does not cover.
The practical approach: confirm the rebuild cost, choose a deductible you can pay, add earthquake coverage if you are on the west side, and compare several carriers with those same numbers before looking at the price.
NAIC data via the Insurance Information Institute
OIC data via Insurance Business
Office of the Insurance Commissioner — Wildfire risk score transparency
No sign-up. Pick home and your side of the state.
What do the 2026 home insurance rankings say?
Two serious sources, measuring different things. J.D. Power surveys how satisfied homeowners are with their insurer; the NAIC counts who writes the most premium. Both are national. Neither one prices your house, and some top-ranked companies do not write policies in Washington at all.
| Source | What it measures | Who leads |
|---|---|---|
| J.D. Power, 2026 | Homeowner satisfaction, nationwide | Amica (second year), then Erie and Chubb |
| NAIC, 2025 data | Share of homeowners premium, nationwide | State Farm 18.7%, Allstate 9.4%, USAA 7.0%, Liberty Mutual 5.5%, Farmers 5.5% |
Check that the company writes in Washington
A national ranking includes carriers that do not sell here, or not in your county. The Insurance Commissioner's agent and company lookup tool tells you in a minute whether a company is licensed in the state.
How do wildfire risk scores affect home insurance in Eastern Washington?
Carriers buy third-party wildfire scores built from satellite imagery, property data and fire science, and use them to decide eligibility, price and renewal. A high score can mean a higher premium or a non-renewal letter. Today, Washington law does not require insurers to show you the score.
What is changing, and what you can do now
A bill to require disclosure, an explanation of the factors and plain-language steps to improve the score passed the Senate 48-1 and stalled in a House committee; the Commissioner lists an updated version as a 2027 priority. Meanwhile, clearing vegetation and documenting it with photos gives you something to show the next carrier.
◆ We answer the same dayGot a non-renewal letter?Send us a photo of it and your address. We'll tell you which carriers still write homes in your area.Send us the letterOffices in Tacoma and Auburn · Serving all of Washington · English and Spanish
Does home insurance cover earthquakes in Western Washington?
No. Earthquake damage is excluded from standard home policies, and the Insurance Commissioner notes it has to be added as an endorsement or a separate policy. The deductible is usually 10% to 25% of the coverage amount, so on a $500,000 rebuild the first $50,000 to $125,000 is yours. Ask for the price before you decide.
Which carrier fits which home?
These are the carriers we quote that write home insurance, grouped by the kind of house they tend to fit, not by quality. The Farmers group comes first because Farmers owns Foremost. Bristol West is not on the list because it only writes car insurance.
| Carrier | Often fits | Usually not the answer when |
|---|---|---|
| Farmers | A standard home, especially bundled with your car | The home is in a high wildfire-risk area east of the Cascades |
| Foremost Farmers group | Manufactured and mobile homes, and older homes others decline | A standard home with nothing unusual |
| National General owned by Allstate | Homes the standard carriers won't write | You qualify easily elsewhere |
| Liberty Mutual | Homes and condos, as one more quote on the table | Manufactured homes, which it does not write |
| Progressive | Mobile homes, which it writes itself | A standard home: it routes those to partner companies |
How do you compare home insurance quotes?
Make the quotes equal before you compare prices: the same dwelling amount based on rebuild cost, replacement cost on the house and your belongings, the same deductible, and the same liability limit. A much cheaper quote almost always changed one of those, and the difference shows up on the day of the claim.
Our home insurance page covers non-renewals and the east-west price gap; the insurance cost calculator shows your range. To read the policy you already have, see how to read your declarations page; if you're buying, first-time home buyer insurance; and for the car in the driveway, best car insurance in Washington.
Frequently asked questions
Who has the best home insurance in Washington?
No single company. J.D. Power's 2026 study ranked Amica highest for homeowner satisfaction nationally, and State Farm is the largest home insurer by market share. The best policy for you is the one that insures your home's rebuild cost at the lowest price for your address.
Why is home insurance so hard to get in Eastern Washington?
Wildfire. Carriers score each address for wildfire exposure, and in high-scoring areas some stop writing new policies or decline to renew. Statewide, 24,106 home policies were cancelled or non-renewed, double the 2021 figure.
Can I see my home's wildfire risk score?
Not by right, today. A Washington bill that would require insurers to disclose the score and how to improve it passed the Senate 48-1 but stalled in a House committee. The Insurance Commissioner lists an updated version as a priority for 2027.
Does Washington home insurance cover earthquakes?
Not on a standard policy. Earthquake coverage is added as an endorsement or a separate policy, usually with a deductible of 10% to 25% of the coverage amount.
How much is home insurance in Washington?
The NAIC's statewide average is $1,151 a year, below the national $1,569 (2022 data). Your own price depends far more on your address than on the state average, especially east of the Cascades.
Keep reading
Sources
- J.D. Power — 2026 U.S. Home Insurance Study (17,191 homeowners and renters, July 2025 through July 2026).
- NAIC — 2025 Top 25 Groups and Companies by Countrywide Premium, Homeowners Multiple Peril.
- Insurance Information Institute, from NAIC data — Average premiums for homeowners and renters insurance by state, 2022.
- Washington State Office of the Insurance Commissioner — Wildfire risk score transparency.
- Washington State Office of the Insurance Commissioner — Earthquake insurance.
- Insurance Business, citing OIC data — Spokane devastation pressures Washington's homeowners insurance market.
This article is general information about insurance in the state of Washington. It is not legal advice and it is not an offer of coverage. Whether a policy covers a given loss depends on its own wording, its endorsements and its exclusions; read yours, or send it to us and we will read it with you. Anel Galicia is a licensed insurance producer in the state of Washington.