Seguro de viviendas para Washington

Protect Your Home With Homeowners Insurance in Washington State

Washington homeowners insuranceWhether you’ve recently moved to the Evergreen State or just want to compare quotes for Washington homeowners insurance, the AARP® Seguro de vivienda Program from The Hartford offers insurance options to meet your needs.1 From Tacoma to Spokane and Yakima to Seattle, having the right insurance coverage protects your home and belongings from the unexpected.
We’ve been protecting AARP members since 1984 and have earned a reputation for integrity and trust, as well as high customer ratings for claims services. We make it easy to obtener una cotización online in minutes for homeowners insurance in Washington State.

Is Homeowners Insurance Required in Washington State?

Homeowners insurance washington stateIf you own a home and have a mortgage, your lender will require you to have insurance coverage. Even if you don’t owe money on a home loan, it’s still smart to have homeowners insurance. Your insurance coverage not only protects you if your home is damaged, but it can also help cover defense costs and medical payments if someone who doesn’t live with you is injured on your property.

Washington Homeowners Insurance Coverages

Home insurance Tacoma waThe Hartford offers several insurance options for residents of Washington State. Your home insurance rates will depend on the insurance products you choose. Four basic types of homeowners insurance coverage are:
  • Dwelling insurance: Helps protect not only your home, but also the structures attached to it. This also includes your home’s internal systems like wiring, plumbing, heating and air conditioning.
  • Other structures coverage: This will protect other structures that are not directly attached to your home. For example, if your detached garage or shed is damaged, this type of coverage can help with repair costs.
  • La cobertura de propiedad personal: In the event of a loss, you want to be sure that the items inside your home are also protected. This type of insurance covers personal belongings like furniture, clothing and appliances. You also have the option to add cobertura adicional para artículos valiosos for any expensive items you have such as jewelry, artwork or collectibles.
  • Personal liability insurance: If someone who does not live in your house is injured on your property and you’re sued, this coverage can help with legal costs. For example, if a delivery person slips on your stairs, personal liability insurance can help make sure you are protected and don’t have to pay out-of-pocket expenses for legal representation. This coverage can also protect you if you’re found responsible for injuring someone or damaging their property while you are away from your home.
Choosing the right amount of coverage is important to protect your home. In the event you have to file a claim for a total loss, you’ll need enough coverage to rebuild your home. This amount is known as the replacement cost and includes the price of the materials and labor needed to rebuild your home. It can also help pay to clean-up debris on your property after a loss.

How Much Does Homeowners Insurance Cost in Washington?

Homeowners insurance cost seattleSegún la Insurance Information Institute,2 the national average for home insurance premiums is about $1,211. The average annual cost of Washington homeowners insurance is around $854 per year and Washington State ranks 44th in the nation for home insurance rates.
Homeowners insurance companies will customize your insurance premium based on several factors, including:
  • Your home’s size
  • The location of your home. For instance, your homeowners insurance cost in Seattle will vary from the cost of home insurance in Tacoma, WA.
  • What coverages you purchase
  • Homeowners insurance discounts you’re eligible for: The Hartford offers many ways for you to reduce your insurance premium. We offer retiree credits if you work less than 24 hours a week and discounts for installing simple safety devices. You can also get our auto and home insurance bundle and save up to 5% on car insurance and 20% on home insurance.

Get a Free Home Insurance Quote in WA

No matter where you live Washington, you can count on us to be there when you need us. We cover customers with homes throughout the state, including Vancouver, Bellevue, Kent, Everett and everywhere in between. Discover all that our homeowners insurance in Washington State has to offer with the AARP® Seguro de vivienda Program from The Hartford. Our representatives can help you decide on coverage options to help protect your home and personal property. Reciba una cotización online for Washington homeowners insurance or call us at 800-409-0638 to speak to a representative.
2 Insurance Information Institute (III), “Facts + Statistics: Homeowners and Renters Insurance”
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.