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Washington Home Insurance

Protect Your Home Inside And Out With House & Home®

Washington is home to beautiful evergreens, the famous Space Needle and your family. Whether you live in Seattle or Spokane, protecting your Washington home is likely a priority. And when your home is protected, you can spend less time worrying and more time sailing the Puget Sound, hiking Mount Rainier or enjoying other activities in the great state of Washington.

You can help safeguard your Washington residence with home insurance solutions from Allstate. Your policy will automatically come with the support of a knowledgeable local agent who can help you understand what's covered under your Washington home insurance policy..

State Map

Home insurance information is based on your current location.



Standard Home Insurance Coverage Explained.

Most home insurance policies include standard coverage types to help you protect your home, your belongings and your family. These types of standard coverage usually include:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.

Protection Beyond The Basics.

Flood insurance is not typically included on Washington home insurance policies. To help protect your home from flood damage, consider purchasing a separate flood insurance policy.

If you're interested in additional liability protection, personal umbrella insurance can help. With personal umbrella insurance, you can get liability protection beyond your current home and auto policy limits.

Enjoy More Coverage Options With House & Home.

With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some types of optional coverage you can add may help protect your yard and garden, sports equipment or musical instruments.

Now only Allstate offers these three unique features* together to help protect your rate from going up if you have a claim and reward you by saving you money when you don't. Features like:

  • Claim RateGuard® - Helps protect your rate from going up just because you file a home claim.**
  • Claim Free Rewards - Get a discount for starting out claim-free, plus money back for every year you don't have a claim.
  • NEW! Deductible Rewards for Home - Get $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim - up to $500.***

Claim or not, Allstate House & Home Insurance can help protect you and save you money.

Find an agent to learn more about additional policies and optional coverage that could help protect you and your home in Seattle, Spokane, Tacoma, Olympia and beyond.

A Local Washington Agent Will Be There For You.

Allstate is dedicated to providing you with more than just quality home insurance coverage. You'll have the support of a local Washington agent who can:

Find an agent to learn more about the benefits of Allstate Washington home insurance.

Washington Home Insurance Savings.

In the Evergreen State, quality home insurance from Allstate is more affordable than you might think. You can also take advantage of many home insurance discounts that can help you save on your home insurance premium.

Learn more about Allstate home insurance discounts.

Home Sharing? We've Got You Covered.

A couple traveling.

Renting your home occasionally to home-sharing guests can be a great way to earn extra income, but also brings additional risks. You can help make sure your stuff is protected by adding HostAdvantage® to your home insurance.*

Learn more

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.

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.
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