Washington home insurance

Overview
Coverage & policies
Flood InsuranceHostAdvantage®Mobile homeOptional coveragePersonal umbrella policy
Homeowners extrasHomeowners discounts

Keep your space safe in every season

Most of the year, your home in Washington is exposed to the elements. Learn how a House & Home® policy can help protect it from the inside out.

Types of insurance coverages in Washington

See what may by typically covered by a homeowners insurance for people living in Washington.

Dwelling coverage
Protects the structure of your house, such as the roof and walls

Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house

Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage

Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property

Guest medical protection
Pays medical expenses for someone who's injured on your property

Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss

Get Allstate home insurance today

Find the right coverage option to fit your budget and your specific home insurance needs.

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Optional home coverages

Your homeowners policy might not quite cover all the things that make your place unique. By adding optional coverages, like water back up, building codes, service lines, and more, you can help protect what you love.
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Additional features

Only Allstate offers all three unique features¹ that work together to help protect you and save you money, whether or not you have a claim.

  • Claim RateGuard®

    Helps keep your rate from increasing just because you file a home insurance claim²

  • Claim-Free Rewards

    Gives you a discount for switching to Allstate without any recent claims, plus 5% back for every year you don't have a claim

  • Deductible Rewards℠

    Gives you $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim — up to $500³

How to get home insurance in Washington

  • Choose your coverage

    No two homes are alike. You and your agent will work together to design an insurance policy that fits your place.

  • Apply for a policy

    We help make the process quick and easy, so you can start protecting your home as soon as possible.

  • Stay protected

    As your life changes, so do your home insurance needs. An agent will work with you to help make sure what you love is covered.

Save on your insurance

Protecting your home doesn't have to be expensive. And with a variety of discounts, features and opportunities to save, Allstate makes it even easier to get a good deal in Washington. Here are a few discounts and features:

  • Multi-policy discounts
    Save when you bundle home and auto policies with Allstate.
  • Responsible payment discount
    Savings for using certain payment methods (in-full, escrow) and for having good payment history like paying on time
  • Claim-free discount
    Save when you switch to Allstate without a recent home insurance claim.

See other ways to save on home insurance in Washington.

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©2026 Allstate Insurance Company
¹Features are optional and a part of the Enhanced Package. Not available in all states. Subject to terms, conditions and availability. Savings will vary
²This feature applies to one claim every five years.
³Must add Enhanced Packaged within 60 days of policy inception to earn an additional $100 reward at the 1st annual renewal. Max deductible rewards that can be used in event of a claim is $500. Subject to availability. Exclusions apply. Not available in NY and NC.
Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.