The typical value of house owners insurance coverage in Washington, D.C. is $995 per 12 months, or about $83 per 30 days, in line with a NerdWallet evaluation. That’s greater than the nationwide common of $1,820 per 12 months.
We’ve analyzed charges and corporations throughout the state to seek out the very best owners insurance coverage in Washington, D.C.
Notice: Some insurance coverage corporations included on this article might have made adjustments of their underwriting practices and now not situation new insurance policies in your state. Even when an insurer serves your state, it could not write insurance policies for all properties in all areas.
Why you may belief NerdWallet
Our writers and editors comply with strict editorial tips to make sure equity and accuracy in our writing and information analyses. You possibly can belief the costs we present you as a result of our information analysts take rigorous measures to get rid of inaccuracies in pricing information and will replace charges for accuracy as new info turns into accessible.
We embrace charges from each locale within the nation the place protection is obtainable and information is offered. When evaluating charges for various protection quantities and backgrounds, we modify just one variable at a time, so you may simply see how every issue impacts pricing.
Our pattern house owner had good credit score, $300,000 of dwelling protection, $300,000 of legal responsibility protection and a $1,000 deductible.
One of the best owners insurance coverage in Washington, D.C.
When you’re trying to purchase owners insurance coverage from a well-rated nationwide model, take into account certainly one of these insurers from NerdWallet’s listing of the Greatest Owners Insurance coverage Firms.
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components incorporates reductions, protection choices, web site transparency, monetary power, grievance information and extra.
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components incorporates reductions, protection choices, web site transparency, monetary power, grievance information and extra.
4.5
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components incorporates reductions, protection choices, web site transparency, monetary power, grievance information and extra.
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components incorporates reductions, protection choices, web site transparency, monetary power, grievance information and extra.
*USAA owners insurance policies can be found solely to lively navy, veterans and their households.
Extra about the very best dwelling insurance coverage corporations in Washington, D.C.
State Farm
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
Effectively-established insurer with a prolonged listing of protection choices.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Fewer than anticipated
Consumer-friendly web site.
Brokers supply customized service.
Insurance policies usually embrace additional protection in your dwelling’s construction.
Fewer reductions than another insurers.
Consists of extra beneficiant dwelling protection in customary insurance policies than many different insurers do.
State Farm
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
Effectively-established insurer with a prolonged listing of protection choices.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Fewer than anticipated
Consumer-friendly web site.
Brokers supply customized service.
Insurance policies usually embrace additional protection in your dwelling’s construction.
Fewer reductions than another insurers.
Consists of extra beneficiant dwelling protection in customary insurance policies than many different insurers do.
State Farm is a superb alternative for owners who wish to work instantly with a consultant, as the corporate sells insurance policies by a large community of brokers. And its consideration to customer support has paid off; the corporate has fewer buyer complaints to state regulators than anticipated for an organization of its dimension.
State Farm gives a free Ting gadget as a perk for dwelling insurance coverage policyholders. Ting is a brilliant plug that displays your private home’s electrical community to assist forestall fires.
Chubb
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
Perks and excessive protection limits for prosperous owners.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
About common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Considerably fewer client complaints than anticipated for an organization of its dimension.
Commonplace protection contains options that many corporations solely supply as extras.
Massive variety of reductions.
Tends to be dearer than different insurers.
Most customers aren’t capable of get a quote on-line and can as an alternative must contact a neighborhood agent.
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
Perks and excessive protection limits for prosperous owners.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
About common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Considerably fewer client complaints than anticipated for an organization of its dimension.
Commonplace protection contains options that many corporations solely supply as extras.
Massive variety of reductions.
Tends to be dearer than different insurers.
Most customers aren’t capable of get a quote on-line and can as an alternative must contact a neighborhood agent.
Chubb usually serves prosperous policyholders with high-value properties, providing lofty protection limits and loads of perks. For instance, the corporate covers water injury from backed-up sewers and drains, and pays to carry your private home as much as the newest constructing codes throughout reconstruction after a declare. (Many insurers cost extra for these kinds of protection.)
Chubb policyholders may have the ability to make the most of the corporate’s HomeScan service, which makes use of infrared cameras to search for issues behind the partitions of your private home.
Nationwide
4.5
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
For customers in search of a broad vary of protection choices, Nationwide might match the invoice.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Near anticipated
Provides some protection customary that different corporations cost additional for.
Plenty of reductions accessible.
Web site gives plenty of helpful options and data.
Does not insure cell or manufactured properties.
Nationwide’s insurance policies are broadly accessible throughout the nation and supply quite a lot of helpful protection decisions. The corporate additionally has a sturdy listing of reductions that can assist you save in your coverage.
Nationwide
4.5
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
For customers in search of a broad vary of protection choices, Nationwide might match the invoice.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Near anticipated
Provides some protection customary that different corporations cost additional for.
Plenty of reductions accessible.
Web site gives plenty of helpful options and data.
Does not insure cell or manufactured properties.
Nationwide’s insurance policies are broadly accessible throughout the nation and supply quite a lot of helpful protection decisions. The corporate additionally has a sturdy listing of reductions that can assist you save in your coverage.
Nationwide’s customary owners insurance policies embrace ordinance or legislation protection, which pays to carry your private home as much as the newest constructing codes after a lined declare. In addition they embrace protection for unauthorized credit score or debit transactions. For an additional value, you could possibly add protection for issues like water backup, identification theft and stronger supplies to interchange your roof.
The Nationwide web site gives loads of methods to handle your coverage, together with submitting and monitoring claims, paying payments and getting quotes.
USAA
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
Provides perks and reasonably priced charges for the navy group.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
Beneath common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Insurance policies embrace customary protection that always prices additional elsewhere.
Far fewer buyer complaints to state regulators than anticipated for an organization of its dimension.
Common charges are under the nationwide common, in line with NerdWallet’s evaluation.
Obtainable solely to lively navy members, veterans and their households.
With beneficiant protection at charges under the nationwide common, USAA gives good worth for owners.
USAA
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components takes under consideration client grievance and buyer satisfaction information.
Provides perks and reasonably priced charges for the navy group.
Protection choicesRankings are primarily based on the variety of protection choices an organization gives compared to different insurers.
Beneath common
ReductionsRankings are primarily based on the variety of reductions an organization gives compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s dimension, in line with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Insurance policies embrace customary protection that always prices additional elsewhere.
Far fewer buyer complaints to state regulators than anticipated for an organization of its dimension.
Common charges are under the nationwide common, in line with NerdWallet’s evaluation.
Obtainable solely to lively navy members, veterans and their households.
With beneficiant protection at charges under the nationwide common, USAA gives good worth for owners.
USAA sells owners insurance coverage to veterans, lively navy members and their households. If that description suits you, you might need to take into account a USAA coverage. That’s as a result of the corporate’s owners insurance coverage has sure options that different insurers might cost additional for.
For instance, USAA routinely covers your private belongings on a “alternative value” foundation. Many corporations pay out solely what your objects are price on the time of the declare, which implies you might not get a lot for older objects. USAA pays sufficient so that you can purchase brand-new replacements in your stuff.
How a lot does owners insurance coverage value in Washington, D.C.?
The typical annual value of dwelling insurance coverage in Washington, D.C., is $995. That’s 45% lower than the nationwide common of $1,820.
In many of the U.S., together with Washington, D.C., many insurers use your credit-based insurance coverage rating to assist set charges. Your insurance coverage rating is analogous however not equivalent to your conventional credit score rating.
In Washington, D.C., these with poor credit score pay a mean of $2,045 per 12 months for owners insurance coverage, in line with NerdWallet’s charge evaluation. That’s greater than twice as a lot as these with good credit score.
The most cost effective dwelling insurance coverage in Washington, D.C.
Listed here are the insurers we discovered with common annual charges under the Washington, D.C. common of $995.
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components incorporates reductions, protection choices, web site transparency, monetary power, grievance information and extra.
5.0
NerdWallet ranking
NerdWallet’s rankings are decided by our editorial crew. The scoring components incorporates reductions, protection choices, web site transparency, monetary power, grievance information and extra.
*USAA owners insurance policies can be found solely to lively navy, veterans and their households.
What to find out about Washington, D.C. owners insurance coverage
When you’re looking for the very best owners insurance coverage in Washington, D.C., be sure to contemplate dangers like flooding and winter climate when shopping for your coverage.
Flooding
Washington, D.C. is prone to flooding, particularly throughout heavy rain. Commonplace owners insurance coverage doesn’t cowl flood injury, so owners susceptible to flooding ought to look into separate flood insurance coverage.
To seek out out your danger, try the Federal Emergency Administration Company’s flood maps and RiskFactor.com, a web site from the nonprofit First Avenue Basis. Even when your property is deemed low danger, it could be worthwhile to buy flood insurance coverage for additional peace of thoughts. Roughly 20 to 25% of all flood claims come from properties in low-risk areas.
Do not forget that whereas you should buy flood protection at any time, there’s sometimes a 30-day ready interval earlier than the insurance coverage takes impact. Right here’s extra details about flood insurance coverage and ready durations.
Winter climate
Washington, D.C. will get its justifiable share of winter storms, together with freezing temperatures and heavy snows throughout Nor’easters. These chilly winters can result in issues like frozen pipes and roof injury from snow and ice accumulation.
Owners insurance coverage usually covers winter storm-related injury, however some forms of winter climate injury might require additional protection. For example, you’ll sometimes want a separate flood insurance coverage coverage to cowl flood injury attributable to snowmelt, and insurers might refuse to pay for injury attributable to frozen pipes if it seems you uncared for to take steps to scale back danger by, for instance, holding your private home at an sufficient temperature, even while you’re out of city.
Earthquakes
Earthquakes within the Washington D.C. space are not often of excessive magnitude, however even minor quakes can injury getting old buildings. Since customary owners insurance coverage insurance policies don’t sometimes cowl structural injury attributable to earthquakes, you will want to purchase further earthquake insurance coverage for those who’re involved concerning the danger of earthquakes to your private home.
Earthquake insurance coverage typically has a separate deductible, which may be between 10% and 20% of your dwelling protection restrict. If in case you have a ten% deductible on $200,000 of protection, you’d must pay $20,000 to restore earthquake injury earlier than your insurance coverage covers something.
Washington, D.C. insurance coverage division
The District of Columbia Division of Insurance coverage, Securities and Banking oversees the district’s insurance coverage business. Along with offering details about owners insurance coverage, the division can even assist in case you have a dispute along with your insurer. You possibly can submit a grievance type on-line, by mail or fax, or by delivering it on to the workplace. Name the division with questions at 202-727-8000.
Steadily requested questions
Is owners insurance coverage required in Washington, D.C.?
Owners insurance coverage is just not required by legislation in Washington D.C. Nonetheless, your lender might require you to buy dwelling insurance coverage. For extra info, learn Is Owners Insurance coverage Required?
How can I lower your expenses on owners insurance coverage in Washington, D.C.?
There are a number of methods to save cash on owners insurance coverage in Washington, D.C.
Store round to be sure to’re getting the very best charge.
Select a better deductible. In case of any claims, you’ll pay extra out of pocket, however your premiums can be decrease.
Is owners insurance coverage required in Washington, D.C.?
Owners insurance coverage is just not required by legislation in Washington D.C. Nonetheless, your lender might require you to buy dwelling insurance coverage. For extra info, learn
Is Owners Insurance coverage Required?
How can I lower your expenses on owners insurance coverage in Washington, D.C.?
There are a number of methods to save cash on owners insurance coverage in Washington, D.C.
Store round to be sure to’re getting the very best charge.
Select a better deductible. In case of any claims, you’ll pay extra out of pocket, however your premiums can be decrease.
Bundle your private home and auto insurance coverage for a decrease total charge. See the
greatest dwelling and auto insurance coverage bundles
